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Get Christmas cracking with Q and bag $100 credit back*

Apply for a Q Mastercard credit card using the promo code GET100 between 3 November – 3 December 2025 and if approved, get $100 credit back* when you spend $100 or more in your first month. Easy as that. 

Whether it’s your weekly grocery shop, dinner out, or filling up the tank – it all adds up. Plus, you can use Q for Long Term Finance# at one of our retail partners on things like furniture, tech, home improvements, and more. Now you can manage the big stuff and get $100 credit back* on your first $100 spend.

What’s not to love? 

Q Mastercard card

Apply with promo code GET100

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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.

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


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Things you should know

*$100 Credit Back Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received from 12:00am 3 November to 11:59pm 3 December 2025 New Zealand local time (“Offer Period”).
  2. To be eligible to redeem the Offer the promo code GET100 must be entered into the promo field on the first page of the Q Mastercard application.
  3. 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 $100 on their Q Mastercard within the first 31 calendar days (“first month”) of account opening date (“Spend Back Period”)
    will receive $100 credit on their Q Mastercard account (“Offer”).
  4. Eligible spend during the Spend Back Period is limited to standard purchases and Long Term Finance, and excludes cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.
  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 $100 credit will be applied by 20 February 2026 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. $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 at the end of the Interest Free Period. Rates and fees subject to change.
  9. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.
  10. Credit provided by Columbus Financial Services Limited.

 

+Lending criteria, $50 annual Account Fee, 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. 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, $50 annual Account Fee, 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. 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.

^$50,000 Cash Prize Draw Terms & Conditions apply.

  1. Valid from 12:01am Monday 3 November 2025 to 11:59pm Friday 26 December 2025 New Zealand local time (“Prize Draw Period”). Entries received outside this time will be ineligible for entry.
  2. The entities responsible for this promotion are Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) (together the “Promoter”). There is one (1) prize in total to give away (“Prize Draw”).
  3. One (1) Prize Draw winner will receive $50,000 deposited into their NZ nominated bank account as verified by the Promoter (“Prize”).
  4. An entry into the Prize Draw is automatic every time an eligible purchase is made with Q Mastercard and Q Card during the Prize Draw Period (which is all purchases excluding cash advances, balance transfers, interest charges, and quasi-cash transactions. The transaction date and time is determined by when the merchant processes the purchase and is outside of the Promoter’s control and may affect eligibility.
  5. If a Prize Draw winner is deemed ineligible for any reasons, the Promoter reserves the right to draw a replacement Prize Draw winner.
  6. The Prize is not negotiable or transferable.
  7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
  8. Any purchases made on Q Mastercard and Q Card during the Prize Draw Period that have been cancelled, refunded, returned, or suspended before the Prize Draw date will not be eligible for entry into the Prize Draw.
  9. One (1) winner will be drawn at random from all eligible entries from the Prize Draw Period.
  10. The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 16 January 2026.
  11. The Prize Draw winner will be notified via phone or email by Friday 23 January 2026. If a Prize Draw winner cannot be contacted within 5 business days, Promoter reserves the right to re-draw an alternative Prize winner.
  12. Acceptance of the Prize is deemed consent for the Promoter to use the Prize Draw winners’ details, first name and photograph, for promotional and media purposes. The Promoter collects and processes personal information in order to run the promotion and offer the Prize and as otherwise set out in our Privacy Policy.
  13. The Promoter’s decision is final, and no correspondence will be entered into. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  14. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
  15. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions.
  16. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from winning the prize. Independent financial advice should be sought.
  17. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with a prize or this Prize Draw.
  18. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. However, nothing in these terms and conditions is intended to exclude, restrict, or modify a consumer’s rights under the Consumer Guarantees Act 1993.
  19. Employees of the Promoter and/or Humm Group Limited are not eligible to enter the Prize Draw.
  20. All dates and time are in New Zealand local time.
  21. Q Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply.
  22. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).
  23. If you have any queries, please visit the Promoter’s contact page here.