![]() (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) Rates and fees correct as at date of publication, subject to change. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store and online purchases. Credit provided by Latitude Financial Services Limited. New customers must apply and be approved for a Gem Visa credit card. Available on participating Gem Visa or Gem CreditLine credit cards only. Prevailing interest rate (currently Gem Visa 28.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. During this period, no interest will accrue and no monthly payments need to be made. Payment for your purchase will be deferred for the stated period. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly)/$55 Gem CreditLine (charged $27.50 half yearly)). 12 months interest free with no repayments during the stated period. Amount payable will be shown on your monthly statement. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)).
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