Pay Nothing Until Spring!

Up to 15 Months Interest Free with 3 Month Payment Holiday on Us

Unwind in your new Galaxy spa sanctuary while enjoying no payments for the first 3 months and up to 15 months interest free. Available with new or existing Q Card / Q Mastercard or Gem Visa holders until 30th September 2020.

New to Interest Free Finance? Sign up now!

It takes 5 minutes and once approved, you’re ready to start your spa journey…

Apply Now on the Q Card Website

Apply Now on the Gem Visa Website

Already a Gem or Q Card holder? Get in touch with your nearest dealer now…

Q Card Terms & Conditions

  • No interest for 15 months with 1st 3 Months ‘Payment Holiday’ is available until 30th September 2020.
  • Minimum spend $500.
  • Annual Account Fee of $50 applies.
  • A $55 Establishment Fee for new Q Mastercard Cardholders and a $35 Advance Fee for existing Q Mastercard Cardholders will apply.
  • Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period (excluding the 3 month ‘Payment Holiday’ period).
  • Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period.
  • Q Mastercard Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at the end of a payment holiday or interest free period.
  • Q Mastercard lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.

Gem Visa Terms & Conditions

  • 3 Months Deferred then 12 Months Interest Free.
  • Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply.
  • Minimum purchase $500.
  • Payment for your purchase will be deferred for the stated period, during which, no interest will accrue and no monthly payments need to be made.
  • The interest free period will continue after the deferred payment period, for the stated time which requires a minimum monthly payment.
  • 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 interest free period.
  • Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.