4 months to pay

Limited time only

Spring is almost here! Enjoy 4 months zero interest, zero payments* when you shop with your Q Card or Q Mastercard between Thursday 28 – Sunday 31 August 2025. That’s online or in-store, with no minimum spend. (Standard Interest Rate of 28.95% p.a. applies after interest free period.)

Whether you’re doing the weekly shop, topping up the tank, sprucing up the garden or refreshing your home and wardrobe for the new season - Q’s here to help your plans take flight - interest free*.

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Things you should know

*4 months zero interest, zero payments: Lending criteria, $50 annual Account Fee, fees, exclusions, terms and conditions apply. Zero interest, zero payments for four months is available on all eligible purchases (excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) made with Q Card or Q Mastercard from 12:01am Thursday 28 August to 11.59pm Sunday 31 August 2025 New Zealand local time. Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at end of interest free period. The date and time of the transaction is determined by when the merchant processes the purchase and is outside of the control of Columbus Financial Services Limited and Consumer Finance Limited and may affect eligibility. For Long Term Finance (LTF) purchases a $55 Establishment Fee applies to your first (LTF) transaction; $35 Advance Fee applies to subsequent LTF transactions. Other interest rates and fees may apply and are subject to change, further information is available here. Q Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).