*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 end of the interest free period. Lending criteria, $50 annual account fee, fees, terms and conditions apply.

Get organised this weekend with 6 Months zero interest, zero payments*. No minimum spend. 23 July – 24 July 2022
Get organised this weekend with 6 Months zero interest, zero payments*. No minimum spend. 23 July – 24 July 2022
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Spend 3 times for a $30 credit back+
Spend 3 times for a $30 credit back+

Hit the shops this weekend with an epic 6 months zero interest, zero payments* on every Q Mastercard® purchase, Saturday 23 July to Sunday 24 July 2022.

 

There’s no minimum spend, so whether you’re getting the kids sorted for the school term, enjoying a family dinner out, or grabbing a weekend coffee and muffin. Q’s got you sorted with nothing* to pay until January 2023!

$20K^ worth of groceries could be coming your way! 9 July – 14 August 2022
$20K^ worth of groceries could be coming your way! 9 July – 14 August 2022

Don’t miss your chance to win^ groceries for a year worth $20k! Every purchase you make on your Q Mastercard until Sunday 14th August 2022 puts you in the draw to win^.

Shop with your Q Mastercard everywhere Mastercard is accepted online & in-store.

Follow us: for more chances to win.
 

Terms & Conditions

*6 months zero interest and zero payments (“Payment Holiday”) is available on all in-store and online standard purchases made with Q Mastercard at accepting merchants from Saturday 23 July 2022 to 23:59 on Sunday 24 July 2022 New Zealand Standard Time (NZST). Excludes LTF purchases, cash advances, balance transfers, fees, interest charges or quasi-cash transactions. The purchase transaction date is determined by when the merchant processes the purchase and is outside the control of Columbus Financial Services Limited (“Issuer”). To avoid paying interest on your purchase, you must pay off the amount owing before expiry of the interest free period. Annual Account Fee of NZD$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. The Issuer reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. Q Mastercard standard terms and conditions apply.

+$30 credit back offer: Valid for the closed group of selected cardholders receiving this direct mail/email (“Eligible Cardholders”). Eligible Cardholders who make three (3) or more Standard Purchases on their Q Card or Q Mastercard (LTF purchases cash advances, balance transfers, interest charges, and quasi-cash transactions excluded) at any retailer that accepts Q Card or Q Mastercard, in-store or online, between Saturday 9 July 2022 and 11:59pm on Sunday 14 August 2022 will receive a credit back on their Q Card or Q Mastercard account of an amount equal to the closing balance of their account as at 11.59 PM on Sunday 14 August 2022 up to a maximum amount of NZD$30 (“Credit Back”). Any applicable credit back will be applied to the Eligible Cardholder’s Q Card or Q Mastercard account by 9 September 2022. The Credit Back is not transferrable, negotiable or redeemable for cash. The entities responsible for this promotion are Consumer Finance Limited (Q Card) and Columbus Financial Services Limited (Q Mastercard) (“Promoter”) and reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time. Q Card and Q Mastercard terms and conditions apply. See qcard.co.nz and qmastercard.co.nz for full details. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

^Free Groceries for a year Prize Draw:
1. Valid from Saturday 9 July 2022 to Sunday 14 August 2022
2. There are 38 prizes in total to give away (“Prize Draw”). One Prize Draw winner will win $20,000 deposited into their nominated bank account. (“Grand Prize”). 37 prize winners will each receive a receive a NZD$200 of their credit back on their Q Card or Q Mastercard account to an amount equal to the closing balance of their account as at 11.59 PM on 14 August 2022, up to a maximum amount of $200 (“Daily Prize”).
3. Every transaction made with Q Card or Q Mastercard at any accepting retailer in-store or online during the Prize Draw Period automatically gives you 1 entry into the Grand Prize and 1 entry into the Daily Prize (dependent on date of transaction, LTF purchases excluded).
4. The entities responsible for this promotion are Consumer Finance Limited (Q Card) and Columbus Financial Services Limited (Q Mastercard) (each, the “Promoter”).
5. At the end of the Prize Draw Period, 1 winner will be drawn at random from all eligible entries for the Grand Prize, and 1 winner will be drawn for each day of the 37 days of the Prize Draw Period from all eligible entries received that day for a Daily Prize at 111 Carlton Gore Rd, Newmarket, Auckland on 19 August 2022.
6. The Prize winners will be notified by phone/email by 26 August 2022.
7. The Daily Prize credit backs will be applied on or before 9 September 2022 to the winning Q Card or Q Mastercard account(s).
8. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
Any purchases made on Q Card or Q Mastercard during the Prize Draw Period that have been cancelled, refunded, returned or suspended before the Prize Draw date will be considered an ineligible entry into the Prize Draw.
9. The Promoter reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. If for any reason a prize becomes unavailable, the Promoter may substitute an alternative equivalent prize without notice.
10. The Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
11. Any decisions made by the Promoter in relation to the Prize Draw are final and no correspondence will be entered into.
12. Entry into the Prize Draw is deemed acceptance of these terms and conditions.
13. Acceptance of the Prize is deemed consent for the Promoter to use the winner’s details for promotional and media purposes.
14. Employees of the Promoter and/or FlexiGroup (New Zealand) Limited are not eligible to enter the Prize Draw.
15. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with the Prize or Prize Draw.
16. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. Nothing in these terms and conditions is intended to exclude, restrict or modify a consumer’s rights under the Consumer Guarantees Act 1993.
17. Q Card and Q Mastercard terms and conditions apply (as applicable).

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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