Q Mastercard® - it’s more than just a credit card
Q Mastercard is your perfect shopping partner for purchases big or small, combining the benefits of a credit card with a range of interest-free deals and payment holidays.
With Q Mastercard you can enjoy a minimum of 3 months zero interest, zero payments^ on all purchases, always. No minimum spend. You can use your Q Mastercard everywhere Mastercard is accepted, in-store and online.
Lending criteria, $50 account fee, Ts&Cs apply. 25.99% p.a. applies from the end of the interest and payment free period.
Do what you love to do with Q Mastercard
Breathing Space
Minimum 3 months zero interest, zero payments^ on all purchases. Always. No minimum spend. Accepted everywhere Mastercard is accepted.
Manage your account on the go with the Q Mastercard app
Introducing new and easy-to-use features that make managing your account even more convenient.
Shop our Partner Deals
Q Mastercard offers access to Long Term Finance deals+ in-store and online at thousands of participating retailers throughout New Zealand. Whether you're planning a holiday or refurnishing your home, Q Mastercard lets you make a big ticket purchases on our interest-free and/or payment holiday terms.
An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.
Contactless Payments
The PIN limit for contactless card payments has increased from $80 to $200 to make it easier when purchasing in-store.
Frequently Asked Questions
How do I activate my Q Mastercard?
Where can I find my Customer ID?
What is your bank account number?
What Long Term Finance deals are available?
Terms & Conditions
^No payments and no interest for three months (“Payment Holiday”) is available on all Q Mastercard Standard Purchases (excludes cash advances) in-store and online. Annual Account Fee of $50 applies. 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.
+A minimum purchase amount may be required. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at the end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rates and fees correct as at date of publication, subject to change
