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Crack on with your Christmas shopping!

Christmas is not far away and Q is here to help you crack through the last minute shopping and Christmas Day prep.

Shop with Q between Saturday 13 December 2025 and Friday 2 January 2026 and you’ll get a cracking 6 months zero interest, zero payments* there’s no minimum spend. (Standard Interest Rate of 28.95% p.a. applies after interest free period.)

So, whether you’re checking off your gift list or stocking up on festive food and drinks, be sure to keep Q on hand.

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?

 

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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 13 December 2025 to 11.59pm Friday 2 January 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 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).  

 

+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.

 

*Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero 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.