*Annual Account Fee of $50 applies. New Q Cardholder fees - $55 Establishment and $3 PPSR. Existing Q Cardholder fee - $35 advance. Q Card Standard Interest Rate currently 25.25%p.a. applies to any outstanding balance at end of Payment Holiday. Offer is until further notice. Q Card lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.