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Kia Ora IKEA

Get up to 50 months interest free^ at IKEA with Q.

Apply for a Q Mastercard

Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate of 28.95% p.a. applies after interest free period.

Apply now

Match your style and your budget

Shop IKEA for furniture, storage, or kitchen must-haves with Q and enjoy interest free^ deals that let you shop your way.

Shopping with Q Mastercard: simply pay in-store or online and the applicable interest free^ period will be automatically applied to your purchase.

Shopping with Q Card: pay in-store and the applicable interest free^ period will be automatically applied to your purchase. Q Card cannot be used for IKEA purchases online.

Spend $5,000 or more to activate 50 months interest free1

Spend $2,500 to $4,999 to activate 36 months interest free2

Spend $1,500 to $2,499 to activate 24 months interest free3

Spend $800 to $1,499 to activate 12 months no interest, no payments4

Spend $250 to $799 to activate 6 months no interest, no payments5

Spend up to $250 to activate 3 months no interest, no payments6

Latest Offer

Win⁺ one of five $100 IKEA Gift Cards

Every purchase at IKEA with your Q Mastercard or Q Card between 19 - 31 May 2026 is an entry in the draw to win+ a $100 IKEA Gift Card.

+Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
BROWSE IKEA

Not yet a Q Mastercard customer?

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#.

Apply for a Q Mastercard credit card online now and once approved you can use your digital wallet to shop online or in-store straight away. Your physical card may take up to 10 days to arrive. 

3 Month Payment Holiday

Minimum 3 months no interest, no payments++ on all purchases. Always. 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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Apply online in less than 10 minutes

APPLY NOW
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Manage your account on the go with the Q Mastercard app

Introducing new and easy-to-use features that make managing your account even more convenient.

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Download on Apple Store/Get it on Google Play

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Here for Qiwi's who love a flat-pack

APPLY NOW FOR Q MASTERCARD

Things you should know

150 months interest free is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, $5,000 and over at IKEA. 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 (not charged on IKEA purchases). 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 at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

236 months interest free is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, $2,500 to $4,999 at IKEA. 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 (not charged on IKEA purchases). 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 at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

324 months interest free is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, $1,500 to $2,499 at IKEA. 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 (not charged on IKEA purchases). 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 at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

412 months no interest, no payments is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, between $800 and $1,499 at IKEA. 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 (not charged on IKEA purchases). Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

56 months no interest, no payments is automatically applied to in-store transactions with Q Card and in-store and online purchases with Q Mastercard, between $250 and $799 at IKEA. 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 (not charged on IKEA purchases). Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

63 months no interest, no payments is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, up to $250 at IKEA. 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 (not charged on IKEA purchases). Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

++Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No interest, No payments for three months is 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.
 
Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).
 

+IKEA Gift Card prize draw conditions apply.

  1. Valid from 12:01am Tuesday 19 to 11:59pm Sunday 31 May 2026 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 are five (5) prizes in total to give away (“Prize Draw”).
  3. Five (5) Prize Draw winners will receive an IKEA gift card to the total value of $100 (“Prize”); gift card issuer’s terms and conditions of use apply (“Prize”). Only one prize per account holder. 
  4. An entry into the Prize Draw is automatic every time an eligible purchase (which is any purchase excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) is made at IKEA with Q Mastercard or Q Card during the Prize Draw Period. 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 for cash. 
  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. Five (5) winners 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 12 June 2026. 
  11. The Prize Draw winner will be notified via phone or email by Friday 19 June 2026. If a Prize Draw winner cannot be contacted within 5 business days, the 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.