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

Complete your Q Mastercard online application using promo code FEEFREE by 31 March 2024 and if approved^ we’ll waive your annual Account Fee for the first year*. 

Whether you’re booking a 2024 getaway, shopping for groceries, or simply grabbing a coffee on the run, Q’s for you. 

With Q Mastercard you’ll also enjoy a minimum of 3 months zero interest, zero payments^ on every standard purchase, big or small. Always. No minimum spend (Interest rate of 28.50% p.a. applies at end of interest free period).

Enjoy more of the things you love with Q. 

Q Mastercard card

Apply^ now with promo code FEEFREE.

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.



Q Mastercard offers a simple instalment plan to repay eligible Standard Purchases over $250^^

Mobile phone with Q Mastercard App open displaying balance

Manage your account on the go with the Q Mastercard app

Introducing new and easy-to-use features that make managing your account even more convenient.

Mobile phone with Q Mastercard App open displaying balance

Download on Apple Store/Get it on Google Play

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). Interest Rate, currently 28.50% p.a., applies to outstanding balance at end of interest free period. Rate and fees subject to change. $50 annual Account Fee applies after the promotional period ends. *Promotional terms and conditions apply.

Information on how to enter the promotion forms part of these terms and conditions of entry. Entry into the promotion is deemed as acceptance of its terms and conditions. 

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

  1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted between 1 February 12:00am to 31 March 2024 11:59pm New Zealand local time (“Offer Period”). Applications received outside the Offer Period will be ineligible. 
  2. Eligible customers who have (a) applied for a Q Mastercard account during the Offer Period and (b) been approved and opened an account within 45 days of applying will have the annual Account Fee (NZD$50) waived for the first year (“Offer”). Note that the 1st year fee waiver is processed as follows: the charge of the first instalment of the $50 Annual Account Fee ($25) will be followed by a refund of the same amount ($25) shortly after opening your Account. The second instalment of $25 will be charged and refunded six months after opening your Account.  
  3. To be eligible to redeem the Offer the promo code ‘FEEFREE’ must be entered into the promo field on the first page of the application. 
  4. The Offer is not negotiable, transferable or redeemable for cash. 
  5. After the first year, the annual Account Fee of $50 applies and will be charged in accordance with the Terms & Conditions applying to your Q Mastercard. 
  6. The entity responsible for this promotion is Columbus Financial Services Limited (“Promoter”).  
  7. Excludes any new accounts created with a first purchase being a Long Term Finance purchase (including Flexi Pay purchases) or Fixed Instalments. Excludes Cash Advances.  
  8. The Promoter reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice. Any decisions made by the Promoter in relation to the Offer are final and no correspondence will be entered into. 
  9. The Promoter collects personal information to fulfil the Offer. Acceptance of the Offer is deemed consent for the Promoter to use the details for promotional and media purposes. Refer to our Privacy Policy.     
  10. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with the Offer.
  11. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. Nothing in these terms and conditions is intended to exclude, restrict, or modify a consumer’s rights under the Consumer Guarantees Act 1993. 
  12. All dates and times are in New Zealand local time.  
  13. Q Mastercard terms and conditions apply. 
  14. If you have any queries, please visit the Promoter’s contact page here. 


#Minimum purchase and/or minimum payment amounts may be required, see offers for details. $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. Rates and fees subject to change. 

^^Q PLAN is a Fixed Instalment option available for selection for 30 days from date of eligible transaction. Under a Q PLAN, you can convert Standard Purchases with $250 or more outstanding (including under a Q Promotion) and repay in equal monthly Instalments at a fixed interest rate of 12.5% (9 months), 13% (12 months) or 13.5% (15 months) (“Q PLAN Interest Rate” (“Q PLAN Term”)). Instalments calculated by taking Purchase amount that is the subject of the Q PLAN, together with interest calculated at the applicable Q PLAN Interest Rate and dividing that amount over the Q PLAN Term. Minimum Payment due will increase as Instalment is added to Minimum Payment due each month. By converting, you waive any Payment Holiday/interest free period applying to your purchase (including under a Q Promotion). This may mean the amount of interest you pay under a Q PLAN is greater than if you had not converted. Long Term Finance transactions, Cash Advances & Balance Transfers are excluded from conversion. Transactions converted to a Q PLAN cannot make up 80% or more of your available credit limit. If you fail to pay all or part of an Instalment, that amount will be overdue and will become part of the Closing Balance of your Account and interest will be calculated and debited to your Account on that overdue amount at the Standard Interest Rate applying to your Account (currently 28.50%). Click here to see the full Q PLAN Terms and Conditions.

Read the Apple Pay Terms of Use here
Read the Google Pay Terms of Use here
Read the Garmin Pay Terms of Use here
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.