Get your first $100 spend back* with Q Mastercard

Apply^ for a Q Mastercard by 31 May 2024 using the promo code SPENDBACK on your application to get your first $100 back* when you spend $100 or more in your first month (excludes Long Term Finance purchases, see T&Cs below).  

With Q you’ll also enjoy a minimum of 3 months zero interest, zero payments^ on all standard purchases, big or small. Always.  

So, whether you need a little bit of breathing space, are shopping for groceries, or simply grabbing a coffee on the run, Q’s got you covered. 

Let’s get started! 

Q Mastercard card

Apply^ now with promo code SPENDBACK

What you get with Q

Q Mastercard is your perfect shopping partner for purchases big or small, combining the benefits
of a credit card with a range of interest free deals and payment holidays.

3 Month Payment Holiday

Minimum 3 months zero interest, zero payments^ on all purchases. Always. No minimum spend.


The universal acceptance of Mastercard means you can shop wherever, online or in-store.

Shop Our Partner Deals

Q Mastercard offers access to Long Term Finance# (LTF) deals in-store and online at thousands of participating retailers throughout New Zealand.

Do what you love to do with Q!

Things you should know

^Lending criteria, $50 annual Account Fee, fees, T&Cs apply. Zero interest, zero payments for three months available on all Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.50% p.a., applies to outstanding balance at end of interest free period. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details.

*$100 spend back terms & conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received online from 3 April 12:00am to 31 May 2024 11:59pm 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 $100 on their Q Mastercard within the first 31 calendar days of becoming a customer (“Spend Back Period”)
    will receive a $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, and quasi-cash transactions.
  4. To be eligible to redeem the Offer the promo code ‘SPENDBACK’ 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 July 2024 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. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.

#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 28.50% 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. 

Credit provided by Columbus Financial Services Limited.