on all standard purchases with Q
Minimum 3 months zero interest, zero payments^ on all standard purchases. Excludes Long Term Finance and Cash Advances. No minimum spend.
Save with Long Term Finance* deals in-store and online at thousands of partner retailers.
View deals
Explore exciting offers that give you more reasons to love Q.
View offers
An awesome perk of our cards is the access to Long Term Finance deals* in-store and online at thousands of participating stores throughout New Zealand. Whether you're planning a holiday or refurnishing your home, enjoy extended interest free deals and/or payment holidays on your big ticket purchases.
Access your account anytime, anywhere with the Q Mastercard App to view your statements, credit limit and much more.
Scams are often sophisticated, so it’s important to stay alert. Never click on a link in an email, and never share your card number, account number, PIN number, your CVC or a One Time Code with anyone.
For more hints and tips, and to find out more on Cyber Security, click here.
Do not respond and do not click on any links. If in doubt report it.
For more information on Cyber Security, click here.
Do not respond and do not click on any links. If in doubt report it.
For more information on Cyber Security, click here.
View our repayment options here.
Please go to Q Deals to see what offers are currently available
Q Card: we do not offer credit limit increases on Q Card.
Q Mastercard: To apply for a credit limit increase please log in to My Account or the mobile app.
Q Card: You can use your Q Card at selected online stores. Please see here for the latest merchants that accept Q Card online.
Q Mastercard: Your Q Mastercard is accepted anywhere Mastercard is accepted worldwide, in-store and online.
Things you should know
^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Card and Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies to outstanding balance at end of interest free period. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions and Q Card terms and conditions for full details.
*Minimum spend may apply. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Standard Interest Rate of 28.95% p.a. applies at the end of LTF Interest Free Period. Rates and fees subject to change.
Q Mastercard app
Scan to download the app