Pay no annual Account Fee for 1 year* with Q Mastercard

Apply^ for a Q Mastercard online using the promo code FREEZE between 1 – 30 June 2024 and if approved we’ll freeze your annual Account Fee for the first year*. (Excludes new accounts created with a first purchase being a Long-Term Finance purchase, see Ts&Cs below).

Q Mastercard is the credit card that gives you a minimum of 3 months zero interest, zero payments^ on every standard purchase

Dinners with friends, the daily coffee run, stocking the pantry and filling up the car… it can all add up! Enjoy some breathing space with Q, by spreading credit card payments over three months^, without having to pay any interest. (Standard Interest Rate of 28.50% p.a. applies at end of interest free period).

Enjoy more time to pay with Q. 

Q Mastercard card

Apply^ now with promo code FREEZE

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, fees, Ts&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 after interest free period ends. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details. $50 annual Account Fee applies after the promotional period ends.

*Pay no annual Account Fee for 1 year terms and conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted between 1 June 12:00am to 30 June 2024 11:59pm New Zealand local time (“Offer Period”). Applications received outside the Offer Period will be ineligible. 
  2. Eligible customers who have applied for a Q Mastercard account during the Offer Period, and have been approved and opened an account within 45 days of applying, will have the annual Account Fee ($50) waived for the first year (“Offer”). Annual fees are applied to your Account in two 6-monthly instalments ($25 on opening and every 6 months thereafter). This Offer means that the two initial annual fee instalments will be charged and then refunded to your account on each of the respective instalments.  
  3. To be eligible to redeem the Offer the promo code ‘FREEZE’ must be entered into the promo field on the first page of the application. 
  4. Excludes any new accounts created with a first purchase being a Long-Term Finance purchase (including Flexi Pay purchases) or Fixed Instalments. 
  5. After the first year, the annual Account Fee of $50 applies and will be charged in accordance with the terms and conditions applying to your Q Mastercard. 
  6. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.   
  7. 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.