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.

We’re here to help

Our customer services teams are available and ready to help should you have any questions about your current situation during this time. Head to our contact us page to find out more on how to get in touch.


Helping Kiwis get what they need  

Don’t forget with Q Mastercard you’ll enjoy 3 months zero interest, zero payments* on purchases, always. And that’s with no minimum spend.


Plus your Q Mastercard unlocks Long Term Finance Deals at hundreds of retailers around New Zealand which means you may have the choice to purchase your essential items through a longer term flexible finance option. Find out what offers are available by heading to our Q Deals page.



We’re doing what we can to assist in the current environment. If you’ve found yourself in a difficult situation due to recent events, please fill in this form and we’ll be in touch. 


Keeping your details safe 

Please watch out for online scams and fraud – this includes suspicious and unsolicited emails, phone calls and text messages. We’ll never contact you asking for your password, credit card number, PIN, CVC number, or access to your device in an email or text. If you receive a suspicious email or text message you should immediately delete it and do not click on any links. You can always contact us if you’re not sure of the authenticity.


Set up online statements

Still getting paper statements? It’s easy to set them up online and is a much faster and convenient way to access them while also relieving some of the pressure on NZ Post. Log on to My Account here and select the ‘online statements’ option. You’ll automatically get your next statement via email.


Download our App

Stay connected with the Q Mastercard app. Access your account, view real-time transactions, balance and upcoming payments anytime, anywhere. Search ‘Q Mastercard’ and download now through the App store for iPhone or Google Play for Android .


Contactless and Apple Pay

Don’t forget, with Q Mastercard you can use Contactless, Apple Pay^ and Google Play. 


You can use your Q Mastercard during this time for Contactless purchases of up to $200 however, it is merchant dependent. For Contactless payments over $200, the terminal will still ask for a PIN number so just follow the prompts.


Using Apple Pay with your Q Mastercard?
The $200 PIN limit will automatically be applied to payments made in store using your mobile phone with Apple Pay. You will not have to make any changes to the existing card details on your phone. You may have noticed that some terminals already don’t ask for a PIN. This is because some terminals are set up to know your mobile has identified you using your fingerprint or face ID, and don’t then require a PIN for any limit. That will continue at those terminals.


New to Contactless Payments? Here’s what you need to know:
All you need to do is follow the usual prompts on the PIN pad when paying. If the limit has become active on that payment terminal, it will kick in automatically. You will simply see the Contactless symbol show on screen, hold your card directly above the screen and you will see the status of your payment on screen. That’s it.


What about safety and security?
Q Mastercard will continue to monitor transaction accounts and alert customers to any unusual activity. If you have any concerns about unauthorised transactions on your account, please contact us. We also advise all customers to treat their Contactless cards like they would cash and take the necessary precautions to keep them safe. While Contactless cards are a secure way to pay, if lost or stolen, they should be reported immediately here.


Take care of yourself, your whānau and your loved ones. 



The Q Mastercard Team 


*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.


^For a list of compatible Apple Pay devices, visit Support.

Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries.


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