QMC-QCC-Main-Logo.svg
Apply now
Apply now

The holidays might be over and the alarm clocks may be back on, but don’t pack a sad just yet! 

Shop with your Q Card or Q Mastercard and every purchase between Monday 12 January – Sunday 8 February 2026 is a chance to win^ your balance back up to $5,000! There are 2 to be won.  

So, whether you’re updating your work wardrobe, topping up the bus pass, getting the kids back to school ready with new stationery, uniforms or a BYOD device, Q has you covered.  

Remember, as always, you’ll get 3 months no interest, no payments* on every standard purchase with no minimum spend (Standard Interest Rate of 28.95% p.a. applies after interest free period). 

Not yet a Q Mastercard customer?

Apply for a Q Mastercard credit card by 1 February 2026 using the promo code SNOOZE, and if approved, we’ll snooze the annual Account Fee for 1 year+. Why wait?

 

Q Mastercard card

Apply for Q Mastercard in less than 10 minutes.

GET STARTED

Things you should know

All information relating to this Prize Draw (including but not limited to how to enter and the nature of the prizes) forms part of these terms and conditions of entry.

^Balance Back Prize Draw Terms & Conditions apply.

  1. Valid from 12:01am Monday 12 January 2026 to 11:59pm Sunday 8 February 2026 New Zealand local time (“Prize Draw Period”). Entries received outside this time will be ineligible for entry.  
  2. The entities responsible for this promotion are Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) (together the “Promoter”). There are two (2) prizes in total to give away (“Prize Draw”). 
  3. Two (2) Prize Draw winners will receive a credit equal to the balance of their account as at 11.59pm on 8 February 2026 on their Q Mastercard account or Q Card account, up to a maximum amount of $5,000 (“Prize”). Only one prize per account holder.  
  4. An entry into the Prize Draw is automatic every time an eligible purchase is made with Q Mastercard or Q Card during the Prize Draw Period, (which is all purchases excluding cash advances, balance transfers, interest charges, and quasi-cash transactions.) The transaction date and time is determined by when the merchant processes the purchase and is outside of the Promoter’s control and may affect eligibility.  
  5. If a Prize Draw winner is deemed ineligible for any reasons, the Promoter reserves the right to draw a replacement Prize Draw winner. 
  6. The Prize is not negotiable or transferable for cash.  
  7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place. 
  8. Any purchases made on Q Mastercard or Q Card during the Prize Draw Period that have been cancelled, refunded, returned, or suspended before the Prize Draw date will not be eligible for entry into the Prize Draw. 
  9. Two (2) winners will be drawn at random from all eligible entries from the Prize Draw Period.  
  10.  The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 13 February 2026.  
  11. The Prize Draw winner will be notified via phone or email by Friday 20 February 2026. If a Prize Draw winner cannot be contacted within 5 business days, Promoter reserves the right to re-draw an alternative Prize winner. 
  12. Acceptance of the Prize is deemed consent for the Promoter to use the Prize Draw winners’ details, first name and photograph, for promotional and media purposes. The Promoter collects and processes personal information in order to run the promotion and offer the Prize and as otherwise set out in our Privacy Policy. 
  13. The Promoter’s decision is final, and no correspondence will be entered into.  Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. 
  14. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw. 
  15. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions. 
  16. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from winning the prize. Independent financial advice should be sought. 
  17. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with a prize or this Prize Draw. 
  18. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. However, nothing in these terms and conditions is intended to exclude, restrict, or modify a consumer’s rights under the Consumer Guarantees Act 1993. 
  19. Employees of the Promoter and/or Humm Group Limited are not eligible to enter the Prize Draw. 
  20. All dates and time are in New Zealand local time. 
  21. Q Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply.  
  22. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.  Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).  
  23. If you have any queries, please visit the Promoter’s contact page here.   

 

*Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No interest, no payments for three months is available on all Q Card and Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies to outstanding balance at end of interest free period. Other interest rates and fees may apply. See qcard.co.nz for full details. Rates and fees are correct as at date of publication and are subject to change.

 

+Pay no annual Account Fee for 1 year Terms & Conditions apply

  1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted online between 12:00am 4 December 2025 to 11:59pm 1 February 2026 New Zealand local time (“Offer Period”). Applications received outside the Offer Period will be ineligible.
  2. Eligible customers who have applied for a Q Mastercard account during the Offer Period, and have been approved and opened an account within 45 days of applying, will have the annual Account Fee ($50) waived for the first year (“Offer”).
  3. To be eligible to redeem the Offer the promo code SNOOZE must be entered into the promo field on the first page of the application. 
  4. Excludes any new accounts created with a first purchase being a Long-Term Finance purchase (including Flexi Pay purchases) or Fixed Instalments.
  5. After the first year, the annual Account Fee of $50 applies and will be charged in accordance with the terms and conditions applying to your Q Mastercard.
  6. New customers are eligible for one new customer Offer only and cannot combine it with any other new customer Offers or Promotions. 
  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, fees, and Q Mastercard terms and conditions apply.
  9. If you have any queries, please visit our contact page here.