Things you should know

⁺7 months zero interest, zero payments: Lending criteria, $50 annual Account Fee, fees, exclusions, terms and conditions apply. No interest, no payments for seven months is available on all eligible purchases (excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) made with Q Card (in-store) at Repco, Mag & Turbo, Hyper Drive, AA, Tony’s Tyres, Burnsco, Advantage Tyres (at participating stores), Smart Marine and Pit Stop, and Q Mastercard (in-store or online) at Repco, Supercheap Auto, Mag & Turbo, Hyper Drive, AA, VTNZ, Smith & Smith, Tony’s Tyres, Burnsco, Advantage Tyres, Smart Marine and Pit Stop, from 12:01am Friday 13 February to 11.59pm Sunday 1 March 2026 New Zealand local time. Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at end of interest free period. The date and time of the transaction is determined by when the merchant processes the purchase and is outside of the control of Columbus Financial Services Limited and Consumer Finance Limited and may affect eligibility. For Long Term Finance (LTF) purchases a $55 Establishment Fee applies to your first (LTF) transaction; $35 Advance Fee applies to subsequent LTF transactions. Other interest rates and fees may apply and are subject to change, further information is available here. Q Card & Q Mastercard terms and conditions (which includes any and all relevant privacy notices) apply. Credit is provided by Consumer Finance Limited (Q Card) and Columbus Financial Services (Q Mastercard).

*$100 Credit Back Terms & Conditions apply. 

1. 1. Promotional offer available for new approved customers only, from Q Mastercard online applications received from 12:00am 13 February to 11:59pm 1 March 2026 New Zealand local time (“Offer Period”).
   2. To be eligible to redeem the Offer the promo code AUTO100 must be entered into the promo field on the first page of the Q Mastercard application via our website.
   3. Eligible customers who have:
      (a) applied during the Offer Period, and
      (b) been approved, and opened a Q Mastercard account within 45 days of applying, and
      (c) spent a minimum of $100 on standard purchases on their Q Mastercard within the first 31 calendar days (“first month”) of account opening date (“Spend Back Period”) will receive $100 credit on their Q Mastercard account (“Offer”).
   4. Offer excludes any new accounts that are opened when making a Long Term Finance (LTF) purchase at one of our retail partners (including Flexi Pay purchases) and Fixed Instalments. Eligible spend during the Spend Back Period is limited to standard purchases, and excludes Long Term Finance purchases, cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.
   5. Any purchases made on Q Mastercard during the Spend Back Period that have been cancelled, refunded, returned or suspended will not be eligible for inclusion in the Offer.
   6. The $100 credit will be applied by 20 May 2026 to each qualifying customer’s Q Mastercard account.
   7. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.
   8. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
   9. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.
   10. Credit provided by Columbus Financial Services Limited.