Terms & Conditions: 12 months interest free is available on Flexi Payment Plans (for in-store purchases only) until 31st August 2019. Minimum spend $5000.00. Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. 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. Standard Interest Rate, currently 25.99% p.a, applies to any outstanding balance at end of interest free period. Offer expires 31st August 2019. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.