QMC-QCC-Main-Logo.svg
Apply now
Apply now
Get 6 months zero interest, zero payments*
Get 6 months zero interest, zero payments*

Grab your wish list because Black Friday is here!

Q is giving you a fang-tastic 6 months zero interest, zero payments* when you shop between Saturday 22 November to Monday 1 December 2025 – there’s no minimum spend. (Standard Interest Rate of 28.95% p.a. applies after interest free period).

We know the Black Friday sales can get a little batty but if you’ve been holding off on that big purchase or want to get the Christmas pressies sorted in one swoop – Black Friday sales with Q as your wingman is the perfect combination.

We’re here for Qiwis, who love to score a great deal!

Not yet a Q Mastercard customer?

Bag $100 credit back
Bag $100 credit back

Apply for a credit card today using the promo code GET100 between 3 November – 3 December 2025 and if approved, get $100 credit back+ when you spend $100 or more in your first month. Why wait?

 

Q Mastercard card

Apply for Q Mastercard in less than 10 minutes.

GET STARTED

Things you should know

*6 months zero interest, zero payments: Lending criteria, $50 annual Account Fee, fees, exclusions, terms and conditions apply. Zero interest, zero payments for six 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 & Q Mastercard from 12:01am Saturday 22 November to 11.59pm Monday 1 December 2025 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 Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).

 

+$100 Credit Back Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received from 12:00am 3 November to 11:59pm 3 December 2025 New Zealand local time (“Offer Period”).
  2. To be eligible to redeem the Offer the promo code GET100 must be entered into the promo field on the first page of the Q Mastercard application.
  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 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. Eligible spend during the Spend Back Period is limited to standard purchases and Long Term Finance, and excludes 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 February 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. $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 at the end of the Interest Free Period. Rates and fees subject to change.
  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.