12 months no payments and no interest* at Target

If you’re in the market for some big-ticket items, now’s the time to shop with Q Mastercard! Not only do we have some amazing long term finance deals, we’re also offering credit backs across some of our biggest brands! Your first transaction with Q Mastercard over $1,000 at one of our participating retailers will get you a credit back^ of $50, or better yet make your first transaction over $2,000 and you will get a credit back^ of $100! Get more info here.

Head to your local Target store today to check out their range and take advantage of 12 months no payments & no interest* on in-store purchases $499 & over until 31 October 2020.

Apply here and shop once you receive your Card (within 10 business days).

Apply in-store and if you are approved, make a purchase today, then we'll send you your Card.

Things you should know:

^$50 credit back and $100 credit back: The following promotional offer is valid from 1 October to 31 October 2020 (“Promotional Period”). Q Mastercard and Q Card cardholders who make a first purchase of between $1,000 and $1,999 in a single transaction at a qualifying retailer (list of retailers set out below) during the Promotional Period will receive a $50 credit back credited to their Q Mastercard or Q Card Account (as applicable). However, Q Mastercard and Q Card cardholders who make a first purchase of more than $2,000 in a single transaction at a qualifying retailer during the Promotional Period will instead receive a $100 credit back credited to their Q Mastercard or Q Card Account (as applicable) (“Credit Back”). You will receive a Credit Back for your first qualifying transaction only (i.e. if your first transaction is $1,500 and your second transaction is $3,000 you will only receive a $50 Credit Back for the first transaction). There is a limit of one Credit Back per Q Card or Q Mastercard Account (as applicable). Qualifying retailers are 4 Season, Appliance Connexion, Bedpost, Beds R Us, Big Save, Danske Mobler, Freedom Furniture, Fujitsu NZ, Furniture Zone, Flooring Design, Furniture Now, Godfreys Vacuum Cleaners, Guthrie Bowron, Heathcotes, HRV, Hunter Furniture, I-Relax, JB Hi-FI, Michael Hill, Mitre 10, Nido, Oxygen Air, PB Technologies Furniture, Target Furniture, Van Dyks. For a purchase to be eligible to receive the Credit Back, the required spend must be made in one transaction at the qualifying retailer. This promotion includes qualifying purchases made using Long Term Finance including Flexi Payment Purchases and Fixed Instalments. Other fees associated with Purchases and Long Term Finance still apply. Any applicable Credit Back will be applied to the eligible Q Mastercard or Q Card Account (as applicable) by 30 November 2020. The Credit Back is not transferrable, negotiable or redeemable for cash. Any Q Mastercard or Q Card that has been cancelled or suspended on or before 31 October 2020 will be ineligible to receive the Credit Back. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time. Q Mastercard and Q Card terms and conditions apply.

*No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Purchases for in-store purchases $500 & over. Offer is valid until 31 October 2020. Annual Account Fee of $50 applies. Establishment fee of $55 applies to new cardholders. Advance fee of $35 applies to existing cardholders. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate, currently 25.99% p.a applies to any outstanding balance at end of interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services limited reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice.