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What interest rates are changing?

Please note this article applies to

On 23 May 2023, the Standard Interest Rate applying to your Q Mastercard will increase from 26.69% p.a. to 27.89% p.a. This is the interest rate which applies to any outstanding balance of any Standard Purchase if you do not repay your purchase in full before the expiry of the 3 months no interest, no payments period (or other Q Promotion interest free period which we offer from time to time). Standard purchases are your everyday purchases made wherever Q Mastercard is accepted (and exclude any Purchase made under Long Term Finance).

The Expired Promotional Rate which applies to Long Term Finance Purchases is not changing.

Need more help?

Contact us
If you’ve got any queries or issues with your card, or your card has been lost or stolen, you can get in touch with us by phone, email, or mail. See below for all of our contact information.

Call us

You can contact our call centre during the following times:

Monday – Friday: 9am – 6pm      Sundays: closed

Are you a Q Mastercard holder?

Write to us

If you would prefer to contact us in writing, then please send your correspondence to the following address:

Q Mastercard:
Columbus Financial Services Ltd
– Dispute Resolution Team
Private Bag 94013
Auckland 2241

Call us

You can contact our call centre during the following times:

Monday – Saturday: 9am – 6pm    Sunday: closed

Are you a Q Card holder?

Write to us

If you would prefer to contact us in writing, then please send your correspondence to the following address:

Q Card:
Consumer Finance Ltd
– Dispute Resolution Team
Private Bag 94013
Auckland 2241