A warmer home starts with Q

We believe that all kiwi’s deserve a warm, dry, healthy home and we would like to help make that happen with our special interest free^ offer over the colder months.

Shop using Long Term Finance with Q and you can get 12 months no interest, no payments^ on home insulation, heating and ventilation at one our preferred partners. Minimum spend $499 applies. 

Our preferred partners

Shop for Heatpumps | Ventilation | Insulation

DVS Home Ventilation

Premier Insulation

What to do next:

Not a Q customer?

Join Q today! You can shop straight away, without your physical card. Simply download the Q Mastercard app and add your new credit card to your digital wallet – that’s Apple Pay or Google Pay. 

Apply by 30 June 2026 using promo code 2YEARSFREE and if approved, you’ll pay no annual Account Fee for 2 years*, as long as you use your card every month. 

Q Mastercard card

Apply with promo code 2YEARSFREE

Renovating or upgrading your home?

Shop it all interest free#

Complete the warmer home of your dreams with interest free# options across everything from new carpet & flooring, curtains & blinds, homewares.

48 Months Interest Free# at Curtain Studio

34 Months Interest Free# at Harrisons Carpets & Flooring

24 Months Interest Free# at Flooring Xtra

18 Months Interest Free#
at Farmers

12 Months No Payments & No Interest#at Mitre 10

An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.

Things you should know

^No interest, no payments for 12 months is available on Long Term Finance (LTF) for in-store/in-home purchases only at HRV, Oxygen Air, Premier Insulation, Insulmax and DVS. $499 minimum spend applies. This offer is ongoing until further notice. 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 the end of LTF interest free period. 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. Credit is provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).  

+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. 

#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.