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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

$10,000 Cash Splash

Apply for a Q Mastercard credit card & if approved, be in to WIN* $10,000. Every purchase puts you in the draw to win.
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Ends 2 March 2026. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Promotional Ts&Cs apply.
Q Mastercard

Balance Transfer to Q

For a limited time we’re offering 1.99% p.a. interest for 18 months on eligible balances transferred to a Q Mastercard.
Learn more
Ends 22 March 2026. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
Q Mastercard
Q Card

Win your balance back up to $5,000

Holidays are over but don’t pack a sad! Shop with Q between 12 January – 8 February 2026 and be in to win your balance back up to $5,000.
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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  • In-store

24 Months Interest Free at Flight Centre

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PB Tech 2025 Lifestyle
  • In-store, Online

24 Months Interest Free* at PB Tech

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Harrisons 34IF Oct 2025
  • In-house

1,000 Days Interest Free* at Harrisons

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Michael Hill Nov New 2025
  • In-store

18 Months Interest Free* at Michael Hill

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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

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.