QMC-QCC-Main-Logo.svg
Apply now
Apply now

Music to your ears

Apply for Q Mastercard
Apply now

Lending criteria, fees, Ts&Cs apply. Standard Interest Rate of 28.95% p.a. applies after interest free period ends. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. *Samsung Terms & Conditions apply. ^^Promotional Ts&Cs, promo code and exclusions apply. $50 annual Account Fee applies after the promotional period ends. See below for full details.

Get a FREE* pair of Galaxy Buds3

Spend $800 or more at Samsung on Long Term Finance^ with Q and get a FREE* pair of the Galaxy Buds3.

Whether you’re eyeing the latest Galaxy smartphones, upgrading your home entertainment, or refreshing your appliances – now’s the perfect time to power up your tech!

Simply shop online at Samsung, select ‘Shop Interest Free with Q’ at checkout and then enter the promo code QCARDBUDS25 before you pay. 

Don’t miss out! This offer is only available between 1 July and 31 August 2025, or while stocks last.

 

Don't have a card?

Apply for a Q Mastercard credit card online using the promo code QCARDBUDS25 between 1 – 31 July 2025 and, if approved, you’ll pay no annual Account Fee for the first year^^.

What are you waiting for? Apply online today. 

 

Q Mastercard card

Apply with promo code QCARDBUDS25

APPLY NOW

What you get with Q

Q Mastercard is your perfect shopping partner for purchases big or small, combining the benefits
of a credit card with a range of interest free deals and payment holidays.

3 Months Payment Holiday

Minimum 3 months zero interest, zero payments+ on all standard purchases. No minimum spend.

Shop
Everywhere

The universal acceptance of Mastercard means you can shop wherever, online or in-store.

Shop Our Partner Deals

Q Mastercard offers access to Long Term Finance# (LTF) deals in-store and online at thousands of participating retailers throughout New Zealand.

QMC app showing available balance
Download the app

Manage your account.
Anytime. Anywhere.

Access your account anytime, anywhere with the Q Mastercard App to view your statements, credit limit and much more.


Scan to download the app

Q Mastercard app

Apply online in less than 10 minutes!

APPLY NOW

Things you should know

*Bonus Galaxy Buds3 Terms and Conditions apply: Valid for Long Term Finance purchase(s) with minimum spend of $800 using Q Mastercard or Q Card at samsung.com/nz/ between 12:00am 1 July and 11:59pm 31 August 2025 only (“Promotional Period”). Promo code QCARDBUDS25 must be applied at checkout. Eligible customers will receive the Galaxy Buds3 (Bonus) available while stocks last. The entity responsible for this promotion is Samsung Electronics New Zealand Limited (the Promoter). Unless otherwise specified by the Promoter, this Promotion is not available in conjunction with any other existing offer including discounts or vouchers offered by the Promoter. New customers need to apply & be approved for a Q Mastercard credit card. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card). Q Mastercard and Q Card terms and conditions apply. For full details see samsung.com/nz/.

^^Pay no annual Account Fee for 1 year Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted between 1 July 12:00am to 31 July 2025 11:59pm New Zealand local time (“Offer Period”) using the promo code QCARDBUDS25. Applications received outside the Offer Period will be ineligible. 
  2. Eligible customers who have applied for a Q Mastercard account during the Offer Period, and have been approved and opened an account within 45 days of applying, will have the annual Account Fee ($50) waived for the first year (“Offer”). Annual fees are applied to your Account in two 6-monthly instalments ($25 on opening and every 6 months thereafter). This Offer means that the two initial annual fee instalments will be charged and then refunded to your account on each of the respective instalments.  
  3. To be eligible to redeem the Offer the promo code QCARDBUDS25 must be entered into the promo field on the first page of the application. 
  4. After the first year, the annual Account Fee of $50 applies and will be charged in accordance with the terms and conditions applying to your Q Mastercard. 
  5. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.   
  6. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.
 
^12/24/36/48/60 Months Interest Free – Available on Long Term Finance (LTF) for online only. Min Spend $200/$600/$800/$1,000/$1,200 respectively. Lending criteria, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (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. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. $50 annual Account Fee applies after the promotional period ends. Other interest rates and fees may apply. Rates and fees subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
 
+Lending criteria, fees, Ts&Cs apply. Zero interest, zero payments for three months available on all Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies after interest free period ends. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. $50 annual Account Fee applies after the promotional period ends. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details.
 
#Minimum purchase and/or minimum payment amounts may be required, see offers for details. Lending criteria, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at end of LTF interest free period. $50 annual Account Fee applies after the promotional period ends. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details. Rates and fees subject to change.
 
Credit provided by Columbus Financial Services Limited.

Quick Links

Help & Support

Things to know

Connect

Q Mastercard:

Facebook Instagram

Q Card:

Facebook