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Win a share of $50,000
Win a share of $50,000
Win a share of $50,000

One lucky winner will take home $25,000 and 25 winners
will each score $1,000.

This Christmas, say yes to more of what matters most to you. Shop with your Q Card or Q Mastercard between 1 November and 27 December 2026, and every purchase is an entry in the draw to win^ a share of $50,000.

One lucky winner will take home $25,000 plus 25 winners will each score $1,000.

Remember, you get a minimum of 3 months no interest, no payments* on every purchase. (Standard Interest Rate of 28.95% p.a. applies after the interest free period.)

So say yes to making memories with the people you love. Yes to the excitement of finding the perfect gift, the laughter around the table and the family photos in matching PJs. Yes to making this your best Christmas yet!

Here’s to making Christmas merrier with Q.

Not yet a Q Mastercard customer?

Apply for a Q Mastercard credit card online using the promo code YES100 by 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).  

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Things you should know

All information relating to this Prize Draw (including but not limited to how to enter and the nature of the prizes) forms part of these terms and conditions of entry.

^Christmas prize draw conditions apply:

  1. Valid from 12:01am Sunday 1 November to 11:59pm Sunday 27 December 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 twenty-six (26) prizes in total to give away (“Prize Draw”). Only one prize per account holder.
  3. One (1) Prize Draw winner will receive $25,000 deposited into their NZ nominated bank account as verified by the Promoter (“Major Prize”) and twenty-five (25) Prize Draw winners will receive $1,000 deposited into their NZ nominated bank account as verified by the Promoter (“Minor Prize”) (together the “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 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, exchangeable 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 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. Twenty-six (26) 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 15 January 2027.
  11. The Prize Draw winners will be notified via phone or email by Friday 22 January 2027. 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 is available on all Q Card and Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies to outstanding balance at end of interest free period. Other interest rates and fees may apply. Rates and fees are correct as at date of publication and are subject to change.

+$100 Credit Back Terms & Conditions apply

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received online from 12:00am 12 October to 11:59pm 30 November 2026 New Zealand local time (“Offer Period”).  
  2. Eligible customers who have:
    (a) applied during the Offer Period, and
    (b) been approved, and opened a Q Mastercard account within 45 days of applying, and
    (c) spent a minimum of $50 on their Q Mastercard within the first 31 calendar days of account opening date (“Spend Back Period”) 
    will receive $100 credit on their Q Mastercard account (“Offer”).  
  3. Offer excludes any new accounts created in line with Long Term Finance purchases (including Flexi Pay purchases) and Fixed Instalments. Eligible spend in relation to this Offer excludes new accounts created online with a first purchase being a Long Term Finance purchase. Eligible spend during the Spend Back Period is limited to standard purchases and excludes Long Term Finance, cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.  
  4. To be eligible to redeem the Offer the promo code YES100 must be entered into the promo field on the first page of the Q Mastercard application.  
  5. Any purchases made on Q Mastercard during the Spend Back Period that have been cancelled, refunded, returned or suspended will not be eligible for inclusion in the Offer.  
  6. The $100 credit will be applied by 15 February 2027 to each qualifying customer’s Q Mastercard account.  
  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, $50 annual Account Fee, fees, Ts&Cs apply. 
  9. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.