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Enjoy 3 months zero interest, zero payments^

on all standard purchases with Q

Apply for Q Mastercard
Benefits

For purchases big or small, Q’s got you covered

3 months breathing space

Minimum 3 months zero interest, zero payments^ on all standard purchases. Excludes Long Term Finance and Cash Advances. No minimum spend.

Long Term Finance deals

Save with Long Term Finance* deals in-store and online at thousands of partner retailers.

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Offers and Promotions

Explore exciting offers that give you more reasons to love Q.

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Get more with Q

Latest Offers & Promotions

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Q Mastercard

Apply & if appoved spend $40 to get $80 credit back*

Apply for a Q Mastercard credit card online using the promo code & if approved get $80 credit back* when you spend $40
Learn more
Ends 31 July 2025. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
Q Mastercard
Q Card

Be in to win^ $20,000 with Q

Use your Q Card or Q Mastercard from 1 July to 3 August 2025 to go in the draw to win^ $20,000. What would you do, with $20,000?
Learn more
Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
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Long Term Finance

Shop the latest Long Term Finance Deals

An awesome perk of our cards is the access to Long Term Finance deals* in-store and online at thousands of participating 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.

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Flight centre e1562204586505
  • In-store

12 Months No Payments & No Interest* @Flight Centre

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12 months no payments and no interest at PB Tech
  • In-store, Online

18 Months Interest Free* @ PB Tech

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18 months interest free at Farmers
  • In-store, Online

12 Months Interest Free* @ Farmers

View deal
Michael Hill March
  • In-store

36 Months Interest Free* @ Michael Hill

View deal
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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

  • How do I stay safe from scams?

    Scams are often sophisticated, so it’s important to stay alert. Never click on a link in an email, and never share your card number, account number, PIN number, your CVC or a One Time Code with anyone.
    For more hints and tips, and to find out more on Cyber Security, click here.

  • I’ve received an email from Q, but it looks suspicious?

    Do not respond and do not click on any links. If in doubt report it.

    For more information on Cyber Security, click here.

  • I’ve received an SMS from Q, but it looks suspicious?

    Do not respond and do not click on any links. If in doubt report it.

    For more information on Cyber Security, click here.

  • How can I pay?

    View our repayment options here.

  • What Long Term Finance deals are available?

    Please go to Q Deals to see what offers are currently available

  • How can I request a credit limit increase?

    Q Card: we do not offer credit limit increases on Q Card.

    Q Mastercard: To apply for a credit limit increase please log in to My Account or the mobile app.

  • Can I shop online with my card?

    Q Card: You can use your Q Card at selected online stores. Please see here for the latest merchants that accept Q Card online.

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

Help and support

Check our FAQs and get in touch with us for more info.

Q Mastercard app

Things you should know

^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero 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. $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 and Q Card terms and conditions for full details.

*Minimum spend may apply. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Standard Interest Rate of 28.95% p.a. applies at the end of LTF Interest Free Period. Rates and fees subject to change.

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