Offer ends 2 November 2025. *Promotional Ts&Cs, promo code and exclusions apply. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate of 28.95% p.a. applies after interest free period ends. Other interest rates and fees including $55 estb. fee may apply. See below for full details.
Apply for a Q Mastercard credit card online using the promo code ‘WIN20K’ between 1 October and 2 November 2025, and if approved, you’ll be in to win* $20,000 cash when you make a standard purchase in your first month.
(Offer* excludes new accounts that are opened when making a Long Term Finance (LTF) purchase at one of our retail partners. Spend within the first month is valid on standard purchases only and excludes LTF purchases. See full Ts&Cs below).
Groceries, shopping, dinner with friends…daily expenses can quickly add up! Q Mastercard helps manage these costs – it’s the credit card that gives you a minimum of 3 months zero interest, zero payments^ on every standard purchase! (Standard Interest Rate of 28.95% p.a. applies at the end of interest free period).
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.
Minimum 3 months zero interest, zero payments^ on all standard purchases. No minimum spend.
The universal acceptance of Mastercard means you can shop wherever, online or in-store.
Q Mastercard offers access to Long Term Finance# (LTF) deals in-store and online at thousands of participating retailers throughout New Zealand.
Access your account anytime, anywhere with the Q Mastercard App to view your statements, credit limit and much more.
^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies after interest free period ends. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details.
Credit provided by Columbus Financial Services Limited.