*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.

Pay no account fee for 1 year^ with Q Mastercard®

Apply and be approved for a Q Mastercard between 1-30 June 2022 and you'll pay no account fee for 1 year^.


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*. The application process only takes around 5 minutes - you're so close!


Apply Now

Lending criteria, Fees, Terms and Conditions apply


Perfect for everyday spend

Dinners with friends, the daily coffee run, stocking the pantry and filling up the car...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 the sales 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 referred 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 and spend to get a $50 Credit Back^ and to pay no annual Account Fee for 1 year^


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 after the 1st year. 1st year fee waiver applied in two parts: See full promotional Ts&Cs. 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: Pay no account fee for 1 year

  1. Promotional offer valid for all new accounts opened from approved online Q Mastercard applications received from 1 June 2022 to 11:59pm NZST 30 June 2022 (inclusive) (“Offer Period”), using the Promo Code ‘NOFEE’.
  2. To be eligible to redeem this offer you must enter the promo code ‘NOFEE’ on the first page of 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. Note that the 1st year fee waiver is processed as follows: You’ll see a charge of the first instalment of the $50 Annual Account Fee ($25) followed by a refund of the same amount ($25) shortly after opening your Account. After 6 months, the second instalment of $25 will be charged and then refunded back to your Account.
  4. After the first year, the Annual Account Fee of $50 applies and will be charged in accordance with the Terms & Conditions applying to your Q Mastercard.
  5. Excludes any new accounts created in line with Long Term Finance purchases such as 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.
  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. Click here for full details.




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