FINANCE TERMS AND CONDITIONS: 18 Months No Payments and No Interest^ ^No payments and no interest for 18 Months (“Payment Holiday”) is available on Flexi Payment Plans for in-store purchases only until 31 October 2019. Minimum spend $1,000. Annual Account Fee of $50 applies. New Cardholder fee - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.