^*$50 spend back Terms & Conditions apply.

1. Promotional offer available for new approved customers only, from Q Mastercard applications received online from 12:00am 1 May to 11:59pm 31 May 2025 New Zealand local time (“Offer Period”).  
2. Eligible customers who have:
   (a) applied during the Offer Period, and
   (b) been approved, and opened a Q Mastercard account within 45 days of applying, and
   (c) spent a minimum of $50 on their Q Mastercard within the first 31 calendar days of account opening date (“Spend Back Period”) 
   will receive a $50 credit on their Q Mastercard account (“Offer”).  
3. Offer excludes any new accounts created in line with Long Term Finance purchases (including Flexi Pay purchases) and Fixed Instalments. Eligible customers in relation to this Offer excludes new accounts created online with a first purchase being a Long Term Finance purchase. Eligible spend during the Spend Back Period is limited to standard purchases and excludes Long Ferm Finance purchases, cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.  
4. To be eligible to redeem the Offer the promo code ‘FIRST50’ must be entered into the promo field on the first page of the Q Mastercard application.  
5. Any purchases made on Q Mastercard during the Spend Back Period that have been cancelled, refunded, returned or suspended will not be eligible for inclusion in the Offer.  
6. The $50 credit will be applied by 21 August 2025 to each qualifying customer’s Q Mastercard account.  
7. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.   
8. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. 
9. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.