Enjoy Interest Free deals* in-store and online at thousands of partner retailers.
Minimum 3 months with zero interest, no payments* on all standard purchases. Always. No minimum spend.
If approved, one of our merchant & retail partners will help you process the transaction in-store.
If you have questions about our Long Term Interest Free deals or want to apply now just ask one of the friendly team members in-store.
How it works
Sign up with Q Mastercard to access Interest Free deals. You can apply online or in-store.
Talk to a staff member about their Interest Free* options that may suit your needs.
Purchase! Our merchant partners will help you process the transaction through their store. See where you can shop interest free.
An awesome perk of our cards is the access to Long Term Finance deals* in-store and online at thousands of participating stores throughout New Zealand. Whether you're planning a holiday or refurnishing your home, enjoy extended interest free deals and/or payment holidays on your big ticket purchases.
28.95%
29.50%
A fee charged when you make your first Purchase using Long Term Finance. This is $55.
An annual fee of $50 applied to your account in two 6 monthly instalments. (A fee of $25 applied to your Account on opening and every 6 months thereafter).
These rates may vary from time to time and we reserve the right to change them.
Things you should know
^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Card Standard Purchases (excludes Long Term Finance). Standard Interest Rate, currently 28.95% p.a., applies to outstanding balance at end of interest free period. Rate and fees subject to change. Rate and fees correct as at date of publication.
+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 28.95% p.a. applies to outstanding balance at end of LTF interest free period. Rates and fees subject to change.
