Terms and Conditions

Please click on the links below to access important documents and policies relating to the Q Mastercard®.


Cardholder Terms and Conditions
These are the terms and conditions that govern the use of your card.

Initial Disclosure Statement
This is the disclosure statement that we provide you under the Credit Contracts and Consumer Finance Act 2003 which sets out key information about your card.

QFE Disclosure Statement
This document includes important information about us and the financial products we offer.

Privacy Statement
We recognise the importance of safeguarding your personal and financial information. This document details how we collect, hold and use your information.

Web Self Service Terms and Conditions
This outlines how we govern the use of our online servicing environment, ‘Web Self Service’.

Website Terms and Conditions
This outlines how we govern the use of our website.

Mobile App Terms and Conditions
This outlines how we govern the use of our Mobile App.


Public Notice

We're making some changes to Q Mastercard effective from 4 December 2019 (Effective Date).


These changes bring clarity and simplicity.


The Interest free period now has a simple cut off.

If you don’t pay off your purchases in full by the Due Date this is the most important change. If your purchases go over the Due Date without being repaid you will be charged interest from the end of the interest free period. To avoid interest, you need to pay your purchases in full and on time.


To avoid confusion, 5 months equals 150 days.

When you see a Q promotion of ‘Zero Interest, Zero Payments for 150 days’, that’s the same as 5 months.


Absolutely, always, Zero Payments and Zero Interest for 3 months.

This bit isn’t changing. If you pay your Standard Purchases in full by their Due Date, you will continue to pay 0% p.a. interest.


To view the new Terms & Conditions, just click here.