Apply for Q Mastercard®

Q Mastercard combines the best of Q Card and Mastercard in an everyday credit card.

You'll always get 3 months zero interest, zero payments* on any purchase in store and online anywhere in the world Mastercard is accepted, with no minimum spend!


There’s also the added bonus of ongoing long term finance deals in-store at
thousands of participating retailers throughout New Zealand.

Card benefits

Zero interest, zero payments* for 3 months on any purchase. There’s no minimum spend.

All the great features of a Mastercard – accepted in-store, online and worldwide.

Access to Long Term Finance Deals*.
Learn More

Plus, Tap & go for contactless transactions.

Applying for a Q Mastercard will
only take 5–10 minutes

Who can apply?

You must be 18 years or older
You must live in New Zealand and be a NZ citizen or resident

What you’ll need:

Your current NZ drivers licence details for identification
Your email address and current residential address

Things you should know
*No interest and no payments for three months (“Payment Holiday”) is available on all purchases at participating retailers on Q Mastercard. Annual Account Fee of $50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.


Please select the Q Card you have

Don’t have a Q Card? Apply Today

Please select the Q Card you have

Don’t have a Q Card? Apply Today