How to read your Q Card Statement

A: Your Q Card Number - use this number for easy reference when talking to our Customer Service team or when making payments.

B: Your Q Card Credit Limit - total credit you have been approved for.

C: Your Available Credit - how much credit you have remaining to spend on your card (as at the date of your statement).

D: Total Q Card Balance - the total amount owing on your account.

E: Payments Received - payments we have received during this statement period.

F: Due Date - date your payment is due.

G: Minimum Payment Due - the minimum amount due for payment. Pay before due date to avoid any default fees.

H: Remittance Section - Include this with payments at any BNZ Bank.

I: Q EFTPOS - a Flexi Payment Plan initiated through an EFTPOS terminal.

J: Interest Free Expiry - the date your interest free period expires. This is only displayed for purchases made within the statement period.

K: Current Months Interest - interest charged to your account since your last statement.

L: Closing Balance - the amount owing under each Plan.

M: Voucher Number - your reference number for this purchase.

N: Interest Rate - current interest rate for a particular plan.

O: Fees and Misc. Plan - shows fees charged or small balance transferred during this statement period.

P: Totals - shows total opening and closing balances of all plans (at the time of this statement).

Q: Flexi Payment Plan - is an advance we make to you with a payment holiday and/or period during which an interest rate other than the Standard Interest Rate is charged.

R: Fixed Instalment Plan - is an advance we make to you which is repaid by fixed, monthly instalments.


By continuing to browse this site, you agree to the terms of our Privacy Policy, including providing us with the consents contained therein, and our use of cookies. You can review our Privacy Policy page to find out more about how we collect, disclose, use, store or otherwise handle Personal Information and how we use cookies.

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