Enjoy a minimum of 3 months zero interest, zero payments^ on every standard purchase. Always.
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.
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Explore exciting offers that give you more reasons to love Q.
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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 Q Apps to view your statements, credit limit and much more.
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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 Card app
Q Mastercard app