**BOQ Instalment Plans are defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.
^If you carry a balance on your credit card from month to month (exclusive of the Instalment Plan amount), the interest free period does not apply and you are charged interest from the purchase date. No interest free period is available on Cash Advances or when you have Balance Transfers.
Citigroup Pty Ltd ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Bank of Queensland Limited ABN 32 009 656 740 (BOQ) AFSL distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally be read as a reference to Citigroup, but if the context requires these words to refer to BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.