Shop IKEA for furniture, storage, or kitchen must-haves with Q and enjoy interest free^ deals that let you shop your way.
Shopping with Q Mastercard: simply pay in-store or online and the applicable interest free^ period will be automatically applied to your purchase.
Shopping with Q Card: pay in-store and the applicable interest free^ period will be automatically applied to your purchase. Q Card cannot be used for IKEA purchases online.
Spend $5,000 or more to activate 50 months interest free1
Spend $2,500 to $4,999 to activate 36 months interest free2
Spend $1,500 to $2,499 to activate 24 months interest free3
Spend $800 to $1,499 to activate 12 months no interest, no payments4
Spend $250 to $799 to activate 6 months no interest, no payments5
Spend up to $250 to activate 3 months no interest, no payments6
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#.
Apply for a Q Mastercard credit card online now and once approved you can use your digital wallet to shop online or in-store straight away. Your physical card may take up to 10 days to arrive.
Minimum 3 months zero interest, zero payments+ on all purchases. Always. 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.
Introducing new and easy-to-use features that make managing your account even more convenient.
Download on Apple Store/Get it on Google Play
150 months interest free is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, $5,000 and over at IKEA. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions (not charged on IKEA purchases). Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
236 months interest free is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, $2,500 to $4,999 at IKEA. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions (not charged on IKEA purchases). Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
324 months interest free is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, $1,500 to $2,499 at IKEA. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions (not charged on IKEA purchases). Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
412 months no interest, no payments is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, between $800 and $1,499 at IKEA. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions (not charged on IKEA purchases). Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
56 months no interest, no payments is automatically applied to in-store transactions with Q Card and in-store and online purchases with Q Mastercard, between $250 and $799 at IKEA. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions (not charged on IKEA purchases). Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
63 months no interest, no payments is automatically applied to in-store purchases with Q Card and in-store and online purchases with Q Mastercard, up to $250 at IKEA. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions (not charged on IKEA purchases). Standard Interest Rate of 28.95% p.a. applies at end of interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
+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.
