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2 years
$0 annual
Account Fee*

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Join Q Mastercard with $0 annual Account Fee*

Now is the best time to get started. Apply for a Q Mastercard credit card between 1 May and 30 June 2026, and if approved, you’ll pay no annual Account Fee for 2 years*, as long as you use your card every month.

Apply now, it’s as easy as 1, 2, 3! If approved, shop straight away. Simply download the Q Mastercard app and add your new credit card to your digital wallet, that’s Apple Pay or Google Pay, and you can shop right away. 

Apply

Apply between 1 May - 30 June 2026 using the promo code 2YEARSFREE. This can be done online, or in-store at one of our retail partners.

Approved

If approved, download the Q Mastercard app and push your card to your digital wallet. Your physical card will arrive in the mail within 10 working days.

Spend

Make sure you use your card every month*. There's no minimum spend.

TOP TIP: Load your new Q Mastercard as your preferred payment option for a monthly subscription to ensure you use your card every month to continue to qualify for $0 annual Account Fee for 2 years*.

APPLY NOW

Offer ends 30 June 2026. *Promotional Ts&Cs, promo code, lending criteria, fees, Ts&Cs & exclusions apply. Standard Interest Rate of 28.95% p.a. applies after interest free period ends. Other interest rates and fees including $55 estb. fee may apply. $50 annual Account Fee applies after promotional period ends. See below for full details.

Using your new credit card

From weekly groceries and household bills to monthly subscriptions and coffee with friends – Q helps you take care of your expenses. It’s the credit card with a minimum of 3 months no interest, no payments^ on every purchase. Always. (Standard Interest Rate of 28.95% p.a. applies at the end of interest free period).

An awesome perk of Q is the access to Long Term Finance deals# in-store and online at thousands of participating retail stores throughout New Zealand. Whether you’re planning a holiday or refurnishing your home, enjoy extended interest free deals and/or payment holidays on your big ticket purchases.

Q Mastercard card

Apply with promo code 2YEARSFREE

APPLY NOW

What you get with Q

3 Months Payment Holiday

Enjoy a minimum 3 months no interest, no payments^ on every purchases. Always.

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.

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 NOW
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

Frequently Asked Questions

You will be eligible to apply if you:

• Are 18 years or older.
• Live in New Zealand and are a NZ citizen or permanent resident.
• Can provide both a valid email address and mobile number.
• Hold a NZ Drivers License, or Passport, or Australian Passport, or any other nationality Passport with valid NZ Resident Visa.

Unfortunately we are no longer accepting Q Card applications. However, instead we’ve combined all the best bits of Q Card and Mastercard to create Q Mastercard.

You can apply if you are 18 years or over and are a New Zealand citizen or permanent resident.
Apply online now by clicking “Apply now” or apply in-store while making a Long-Term Finance purchase at one of our retail partners.

Most people complete an application in less than 10 minutes.

You may be approved right away.

If we do need further information to process your application, you will usually receive a response from our team within a day, but depending on what additional information is required, it might take up to 48 hours.

Yes, if you are approved you can download the Q Mastercard app to push your new credit card to your digital wallet to shop straight away.

Your Q Mastercard is accepted anywhere Mastercard is accepted worldwide, in-store and online.

Your physical card should arrive within 10 working days.

An annual Account Fee of $50 is applied to your account in two 6 monthly instalments. (A fee of $25 applied to your Account on opening and every 6 months thereafter).

To find out more visit our Fees and Charges page.

With Q Mastercard you get access to Long Term Interest Free# finance options at thousands of our partner retailers throughout New Zealand. Please go to Q Deals to see what offers are currently available.

Whether you’re planning a holiday or refurnishing your home, enjoy extended interest free deals and/or payment holidays on your big ticket purchases.

Apply online in less than 10 minutes

APPLY NOW

Things you should know

*Pay no annual Account Fee for 2 years Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted between 1 May 12:00am to 30 June 2026 11:59pm New Zealand local time (“Offer Period”). 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 2 years (“Offer”).   
  3. To be eligible to redeem the Offer, the promo code 2YEARSFREE must be entered into the promo field on the first page of the application.     
  4. A minimum card use applies being the use of the Q Mastercard credit card within each monthly statement period during the 2 year promotional period. Use is limited to standard purchases or Long Term Finance purchases and excludes cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.
  5. If the credit card is not used in any monthly statement period during the promotional period, the annual Account Fee will be charged and continued to be charged in accordance with the Q Mastercard terms and conditions. 
  6. After the second year, the $50 annual Account Fee applies. 
  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, fees, Q Mastercard terms and conditions apply.  
  9. If you have any queries, please visit our contact page here. 

^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No interest, no 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.

+$10,000 Cash Prize Draw Terms & Conditions apply.
 
  1. Valid from 12:01am Wednesday 1 April 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 is one (1) prize in total to give away (“Prize Draw”). 
  3. One (1) Prize Draw winner will receive $10,000 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 (which is any purchase excluding cash advances, balance transfers, fees, interest charges or quasi-cash transactions) is made 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 Promoters 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 or 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 Friday 12 June 2026. 
  11. The Prize Draw winner/s will be notified via phone or email by Friday 19 June 2026. If the 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 that information including 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.

Credit provided by Columbus Financial Services Limited.