*12 months no payments and no interest (“Payment Holiday”) is available on Q Card Flexi Payment Plans. Minimum spend $200. Account Fees may apply. A $55 Establishment Fee for new Q Cardholders and a $35 Advance Fee for existing Q Cardholders will apply. Q Card Standard Interest Rate applies to any outstanding balance at end of Payment Holiday. Offer is ongoing. Q Card lending criteria, fees, terms and conditions apply.