Apply for a Q Mastercard credit card online using the promo code YES100 between 12 October and 30 November 2026, and if approved, get $100 credit back* when you spend $50 or more in your first month. It’s as simple as that. An online treat, a grocery top up or a tank of gas and you’re there.
(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).
Applying online takes under 10 minutes.
Don't forget to add the promo code on the first page of your application.
You’ll know if you’re approved before you spend a cent.
Once approved, as a Q Mastercard customer, a $50 annual Account Fee applies.
Spend $50 or more in your first month and we’ll pop $100 credit back* into your account.
Spend exclusions* apply.
A Q Mastercard credit card is built for saying yes to the good stuff – the weekend away, the appliance upgrade, the occasional “why not.” But that’s not all.
Get at least 3 months with no interest and no payments^^ on every purchase. Always.
Shop online, in-store and overseas, wherever Mastercard is accepted.
Q Mastercard offers access to Long Term Finance# deals at thousands of 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.
*$100 Credit Back Terms & Conditions apply:
^^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.
Q Mastercard app
Can I apply for a Q Card?