*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.

Win a $500 Husqvarna voucher with Q Mastercard®

Apply and be approved for a Q Mastercard between 1 May and 31 July 2022 and you'll be in to WIN^ one of ten $500 Husqvarna gift vouchers!


It's easy to do more of what you love to do with Q Mastercard where you can rest easy with 3 months to pay* on every purchase you make. Whether you're doing the grocery run, digging into a backyard project, getting some new fitness gear, or starting a new hobby, you'll enjoy a minimum of 3 months zero interest, zero payments* on all purchases big or small. Always.


So, what are you waiting for?


Apply for a Q Mastercard today

Why wait? 

Apply for your Q Mastercard today to start enjoying a minimum of 3 months zero interest, zero payments* on every standard purchase made, big or small. Always.


Apply Now


Perfect for everyday spend

Friday night takeaways with the fam, a spot of online shopping, stocking the pantry or filling up the tank...it can all add up! With Q Mastercard you can get some breathing space by spreading payments over three months* and not worry about having to pay interest.

Get everything you need with Q Mastercard


Get everything you need

Shop anytime with Q Mastercard and enjoy a minimum of 3 months zero interest, zero payments* on every purchase big or small, online or in-store.


Make it your go to

Make your Q Mastercard your preferred payment option for your streaming services, utility bills, your weekly food box delivery, your gym membership and more! Take care of all your regular subscriptions with Q Mastercard.


Apply for a Q Mastercard Today

Be approved for a Q Mastercard and you'll be in to WIN^ a $500 Husqvarna Gift Voucher!



Or is a Balance Transfer Offer Right For You?


Things you should know

*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. An 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.

^WIN a $500 Husqvarna Gift Voucher Promotional Terms and Conditions

  1. Promotional offer available for all new accounts opened from approved online Q Mastercard applications received from 12:00am 1 May 2022 to 11:59pm NZT 31 July 2022 (inclusive) (“Offer Period”). Excludes any new accounts created in line with Long Term Finance purchases (including Flexi Pay purchases) and Fixed Instalments, and new accounts created online with a first purchase being a Long-Term Finance purchase.
  2. There are ten Prizes to be won (“Prize Draw”).
  3. Each Prize Draw winner will receive a $500 Husqvarna Gift Voucher (“Prize”), voucher issuer’s terms and conditions apply.
  4. The Prize is not negotiable, non-transferable, or redeemable for cash.
  5. The entity responsible for this promotion is Columbus Financial Services Limited (“Promoter”).
  6. The Prize Draw winners will be drawn at random from all eligible entries at 111 Carlton Gore Rd, Newmarket, Auckland on 5 August 2022 ("Prize Draw Date").
  7. The Prize Draw winner will be notified via phone or email by 12 August 2022.
  8. If a winner does not respond within 5 business days of being contacted, the Promoter reserves the right to re-draw a prize.
  9. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
  10. 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.
  11. The Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
  12. Any decisions made by the Promoter in relation to the Prize Draw are final and no correspondence will be entered into.
  13. Entry into the Prize Draw is deemed acceptance of these terms and conditions.
  14. Acceptance of the Prize is deemed consent for the Promoter to use the winner’s details for promotional and media purposes.
  15. Employees of the Promoter and/or FlexiGroup (New Zealand) are not eligible to enter the Prize Draw.
  16. 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.
  17. 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.
  18. Q Mastercard terms and conditions apply.


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