Q Card things you should know: * To be eligible for Q Card finance you must be over 18 years old. 12 months interest free is available on Q Card Flexi Payment Plans. Offer excludes foreign currency and online purchases and is available for travel returning to New Zealand only. Minimum purchase of $999 is required. Account Fees may apply. A $45 Establishment Fee for new Q Cardholders and a $35 Advance Fee for existing Q Cardholders will apply. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Offer expires 2 March 2014. Q Card lending criteria, fees, terms and conditions apply.