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Get an $80 summer bounce back with Q

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Apply now

Offer ends 30 April 2026. 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. *Promotional Ts&Cs, promo code and exclusions apply. See below for full details.

Spend $40 to get $80 credit back*

Apply for a Q Mastercard credit card online using the promo code GET80 between 3 March and 30 April 2026, and if approved, get $80 credit back* when you spend $40 or more in your first month.

 (This offer excludes new accounts that are opened when making a Long Term Finance (LTF) purchase at one of our retail partners. Spend 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 no interest, no payments^ on every standard purchase! (Standard Interest Rate of 28.95% p.a. applies at the end of interest free period).

Q Mastercard card

Apply with promo code GET80

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What you get with Q

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.

3 Months Payment Holiday

Minimum 3 months no interest, no payments^ on all standard purchases. No minimum spend.

Shop
Everywhere

The universal acceptance of Mastercard means you can shop wherever, online or in-store.

Shop Our Partner Deals

Q Mastercard offers access to Long Term Finance# (LTF) deals in-store and online at thousands of participating retailers throughout New Zealand.

APPLY NOW
APPLY NOW
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Manage your account.
Anytime. Anywhere.

Access your account anytime, anywhere with the Q Mastercard App to view your statements, credit limit and much more.


Scan to download the app

Q Mastercard app

Frequently Asked Questions

You will be eligible to apply if you:

• Are 18 years or older.
• Live in New Zealand and are a NZ citizen or permanent resident.
• Can provide both a valid email address and mobile number.
• Hold a NZ Drivers License, or Passport, or Australian Passport, or any other nationality Passport with valid NZ Resident Visa.

Unfortunately we are no longer accepting Q Card applications. However, instead we’ve combined all the best bits of Q Card and Mastercard to create Q Mastercard.

You can apply if you are 18 years or over and are a New Zealand citizen or permanent resident.
Apply online now by clicking “Apply now” or apply in-store while making a Long-Term Finance purchase at one of our retail partners.

Most people complete an application in less than 10 minutes.

You may be approved right away.

If we do need further information to process your application, you will usually receive a response from our team within a day, but depending on what additional information is required, it might take up to 48 hours.

Yes, if you are approved you can download the Q Mastercard app to push your new credit card to your digital wallet to shop straight away.

Your Q Mastercard is accepted anywhere Mastercard is accepted worldwide, in-store and online.

Your physical card should arrive within 10 working days.

An annual Account Fee of $50 is applied to your account in two 6 monthly instalments. (A fee of $25 applied to your Account on opening and every 6 months thereafter).

To find out more visit our Fees and Charges page.

With Q Mastercard you get access to Long Term Interest Free# finance options at thousands of our partner retailers throughout New Zealand. Please go to Q Deals to see what offers are currently available.

Whether you’re planning a holiday or refurnishing your home, enjoy extended interest free deals and/or payment holidays on your big ticket purchases.

Apply online in less than 10 minutes!

APPLY NOW

Things you should know

*$80 Credit Back Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received online from 12:00am 3 March to 11:59pm 30 April 2026 New Zealand local time (“Offer Period”).  
  2. 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 $40 on their Q Mastercard within the first 31 calendar days of account opening date (“Spend Back Period”) 
    will receive $80 credit on their Q Mastercard account (“Offer”).  
  3. Offer excludes any new accounts created in line with Long Term Finance purchases (including Flexi Pay purchases) and Fixed Instalments. Eligible spend in relation to this Offer excludes new accounts created online with a first purchase being a Long Term Finance purchase. Eligible spend during the Spend Back Period is limited to standard purchases and excludes Long Term Finance, cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.  
  4. To be eligible to redeem the Offer the promo code GET80 must be entered into the promo field on the first page of the Q Mastercard application.  
  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 $80 credit will be applied by 16 July 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. 


^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No interest, no payments for three months 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.

#Minimum purchase and/or minimum payment amounts may be required, see offers for details. 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 to outstanding balance at end of LTF interest free period. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details. Rates and fees subject to change.
 

+$10,000 Cash Prize Draw Terms & Conditions apply.

  1. Valid from 12:01am Wednesday 1 April to 11:59pm Sunday 31 May 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 is one (1) prize in total to give away (“Prize Draw”). 
  3. One (1) Prize Draw winner will receive $10,000 deposited into their NZ nominated bank account as verified by the Promoter (“Prize”). 
  4. An entry into the Prize Draw is automatic every time an eligible purchase (which is any purchase excluding cash advances, balance transfers, fees, interest charges or quasi-cash transactions) is made with Q Mastercard or Q Card during the Prize Draw Period. The transaction date and time is determined by when the merchant processes the purchase and is outside of the Promoters 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.  
  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. One (1) winner 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 Friday 12 June 2026. 
  11. The Prize Draw winner/s will be notified via phone or email by Friday 19 June 2026. If the 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 that information including 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.

Credit provided by Columbus Financial Services Limited. 

+Groceries Prize Draw Terms & Conditions apply
  1. Valid from 12:01am Monday 9 February to 11:59pm Tuesday 31 March 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 is one (1) prize in total to give away (“Prize Draw”).  
  3. One (1) Prize Draw winner will receive $20,000 deposited into their NZ nominated bank account as verified by the Promoter (“Prize”). 
  4. An entry into the Prize Draw is automatic every time an eligible purchase is made with Q Mastercard and 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. 
  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 and 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. One (1) winner 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 10 April 2026. 
  11. The Prize Draw winners will be notified via phone or email by Friday 24 April 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.