Do more of what you love to do with Q

Whilst you can’t apply for a Q Card anymore, we have combined all the best bits of Q Card and Mastercard to create the Q Mastercard. We think you’re going to love it.

Our Q products are your perfect shopping partners for purchases big or small, combining the benefits of a credit card with a range of interest free deals and payment holidays. 

You can enjoy a minimum of 3 months zero interest, zero payments^ on all standard purchases, always. No minimum spend.

Want to join Q? Apply for your new Q Mastercard today and you could be shopping for great deals pronto.

Q Mastercard Current Promotion

New Customer Offer: Pay No annual Account Fee for 1 year*

Apply^ for a Q Mastercard online using promo code ‘FEEFREE’ before 31 March 2024 and if approved we’ll waive your annual Account Fee for the first year*.

Merchant offers

Access to Long Term Finance deals+ in-store and online at thousands of participating retailers throughout New Zealand. Whether you're planning a holiday or refurnishing your home, our Q products let you make big ticket purchases on our interest-free and/or payment holiday terms.

*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 28.50% p.a. applies at the end of LTF Interest Free Period. Rates and fees subject to change.

Frequently asked questions

Need more help?

View our product FAQs below
Are you a Q Mastercard holder?
Are you a Q Card holder?
  • How can I pay?

    View our repayment options here.

  • What Long Term Finance deals are available?

    Please go to Q Deals to see what offers are currently available

  • How can I request a credit limit increase?

    Q Card Holders: we do not offer credit limit increases on Q Card.

    Q MasterCard Holders: To apply for a credit limit increase please log in to My Account or the mobile app.

  • Can I shop online with my card?

    Q Card Holders: You can use your Q Card at selected online stores. Please see here for the latest merchants that accept Q Card online.

    Q MasterCard Holders: 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 28.50% p.a., applies to outstanding balance at end of interest free period. Rate and fees subject to change. Rate and fees correct as at date of publication.

*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 28.50% p.a. applies at the end of LTF Interest Free Period. Rates and fees subject to change.