A smarter way to get started. Apply for a Q Mastercard credit card online using the promo code SCORE80 between 1 July and 16 August 2026, and if approved, get $80 credit back* when you spend $40 or more in your first month.
(This offer excludes new accounts that are opened when making a Long Term Finance (LTF) purchase at one of our retail partners. Spend valid on standard purchases only and excludes LTF purchases. See full Ts&Cs below).
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.
Minimum 3 months no interest, no payments^^ on all standard purchases. No minimum spend.
The universal acceptance of Mastercard means you can shop wherever, online or in-store.
Q Mastercard offers access to Long Term Finance# (LTF) deals in-store and online at thousands of participating retailers throughout New Zealand.
Plus, be in to win^ a Toyota RAV4 GXL Plug-in Hybrid (worth $57,990 RRP) when you use your Q Mastercard between 1 July–16 August 2026. One lucky winner will drive away in a new RAV4 and it could be you.
Groceries, shopping, dinner with friends… daily expenses can quickly add up! Q Mastercard helps manage these costs – it’s the credit card that gives you a minimum of 3 months no interest, no payments^^ on every standard purchase! (Standard Interest Rate of 28.95% p.a. applies at the end of the interest-free period).
Access your account anytime, anywhere with the Q Mastercard App to view your statements, credit limit and much more.
• 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.
*$80 Credit Back Terms & Conditions apply.
^Car prize draw terms & conditions apply.
1. Valid from 12:01am Wednesday 1 July to 11:59pm Sunday 16 August 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 a Toyota RAV4 GXL Plug-in Hybrid and a $1,000 Prezzy Card (“Prize”).
a. For the Toyota RAV4 GXL Plug-in Hybrid, Toyota New Zealand Limited is not the Promoter and is not responsible for the Prize Draw or the Prize. The vehicle colour will be Glacier White. Collection of the prize will be as follow: The Prize must be collected from Albany Toyota. If the Prize Winner is located outside of Auckland, the Promoter will arrange for the Prize Winner to come to Auckland for collection. The Promoter will cover all reasonable costs associated with shipping the Prize to the Prize Winner if outside of Auckland. The Prize Winner is responsible for any additional costs, including motor vehicle insurance, servicing and any vehicle accessories not included in the Prize.
b. For the $1,000 Prezzy Card, the gift card issuer’s terms and conditions of use apply.
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 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 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. One (1) Prize Draw 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 28 August 2026.
11. The Prize Draw winners will be notified via phone or email by Friday 4 September 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, photograph and video, 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.
^^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.
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