Apply now for a Q Mastercard®
With Q Mastercard you could enjoy more of the things you love with a minimum 3 months zero interest, zero payments* on all purchases. No minimum spend. Always.
Enjoy all the things you love, thanks to Q Mastercard
You can use Q Mastercard for purchases big and small. From everyday essentials such as groceries, coffee, and fuel, through to household purchases, big ticket items, new season clothing, dining out, everyday travel, bills and subscriptions. With Q Mastercard you can use your card anywhere Mastercard is accepted and always have 3 months to pay.*
That's the magic of Q.
With Q Mastercard you could enjoy more of the things you love with a minimum
3 months zero interest, zero payments*
on all purchases. No minimum spend. Always
Perfect for all your daily essentials, regular purchases and special occasion treats both online and in-store.
Use your Q Mastercard as the payment method for all your household utilities including power, internet and water.
Manage your gym membership and workout app subscription payments with Q Mastercard.
Add your Q Mastercard to your video and music streaming subscriptions like Netflix, Spotify, Amazon Prime, Disney+ and Lightbox.
Use Q Mastercard as your payment method for Uber, Ola, Zoomy or for your AT HOP top-ups.
Make the most of your Q Mastercard and get breathing space when you pay for Healthcare, Vets, and Pharmacy purchases.
No purchase is too small with Q Mastercard, enjoy no minimum spend on your everyday necessities.
With your Q Mastercard you can shop for long term finance deals at participating retailers around New Zealand.
As a Q cardholder, you'll receive exclusive deals and access to Q extended finance days.
Pay with ease all around the world wherever Mastercard is accepted.
OFFER EXTENDED. Apply for a Q Mastercard between 12 February - 31 March 2020 and on approval we will waive your account fee for the first year†. You've got to love that.
Simply use the promo code ZEROFEE on your application.
Apply for a Q Mastercard from 1 March – 31 March 2021, be approved, and pay no Account Fee for 1 year^
You've got to love that!
Did you know your Q Mastercard gives you access to long term finance offers and deals at participating retailers nationwide? View our partner details.
Things you should know
*Zero interest and zero payments 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. ^Promotional Terms and Conditions 1. Promotional offer valid for all new accounts opened from approved online Q Mastercard applications received from 1 March 2021 to 11:59pm NZST 31 March 2021 (inclusive) (“Offer Period”), using the Promo Code ‘NOFEE’. 2. To be eligible to redeem this offer you must enter the promo code ‘NOFEE’ on your application. 3. Eligible new Q Mastercard customers approved during the Offer Period will have the annual Account Fee (NZD$50) waived for the first year. After the first year an annual Account Fee of $50 applies and will be charged in accordance with the Ts&Cs qmastercard.co.nz. Note that the first instalment of the $50 Annual Account Fee ($25) will initially be charged to your account but will then be refunded back to your Q Mastercard account within 15 working days. 4. Excludes any new accounts created in line with Long Term Finance purchases including Flexi pay purchases and fixed instalments (LTF New Account). New accounts created online and with a first purchase being a Long Term Finance purchase are deemed a LTF New Account and are not eligible for this promotion. 5. The ‘NOFEE’ offer cannot be redeemed in conjunction with any other new application offer. 6. The entity responsible for this promotion is Columbus Financial Services Limited (“Promoter”). 7. The Promoter reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. 8. Q Mastercard terms and conditions apply. See qmastercard.co.nz for full details.
Things you should know
*Zero interest and zero payments 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.
^Promotional Terms and Conditions
1. Promotional offer valid for all new accounts opened from approved online Q Mastercard applications received from 1 March 2021 to 11:59pm NZST 31 March 2021 (inclusive) (“Offer Period”), using the Promo Code ‘NOFEE’.
2. To be eligible to redeem this offer you must enter the promo code ‘NOFEE’ on your application.
3. Eligible new Q Mastercard customers approved during the Offer Period will have the annual Account Fee (NZD$50) waived for the first year. After the first year an annual Account Fee of $50 applies and will be charged in accordance with the Ts&Cs qmastercard.co.nz. Note that the first instalment of the $50 Annual Account Fee ($25) will initially be charged to your account but will then be refunded back to your Q Mastercard account within 15 working days.
4. Excludes any new accounts created in line with Long Term Finance purchases including Flexi pay purchases and fixed instalments (LTF New Account). New accounts created online and with a first purchase being a Long Term Finance purchase are deemed a LTF New Account and are not eligible for this promotion.
5. The ‘NOFEE’ offer cannot be redeemed in conjunction with any other new application offer.
6. The entity responsible for this promotion is Columbus Financial Services Limited (“Promoter”).
7. The Promoter reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.
8. Q Mastercard terms and conditions apply. See qmastercard.co.nz for full details.
