Complete your Q Mastercard online application using promo code ‘FEEFREE’ by 31 March 2024 and if approved^ we’ll waive your annual Account Fee for the first year*.
Whether you’re booking a 2024 getaway, shopping for groceries, or simply grabbing a coffee on the run, Q’s for you.
With Q Mastercard you’ll also enjoy a minimum of 3 months zero interest, zero payments^ on every standard purchase, big or small. Always. No minimum spend (Interest rate of 28.50% p.a. applies at end of interest free period).
Enjoy more of the things you love 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.
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.
Q Mastercard offers a simple instalment plan to repay eligible Standard Purchases over $250^^
Information on how to enter the promotion forms part of these terms and conditions of entry. Entry into the promotion is deemed as acceptance of its terms and conditions.
#Minimum purchase and/or minimum payment amounts may be required, see offers for details. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at end of LTF interest free period. Rates and fees subject to change.
^^Q PLAN is a Fixed Instalment option available for selection for 30 days from date of eligible transaction. Under a Q PLAN, you can convert Standard Purchases with $250 or more outstanding (including under a Q Promotion) and repay in equal monthly Instalments at a fixed interest rate of 12.5% (9 months), 13% (12 months) or 13.5% (15 months) (“Q PLAN Interest Rate” (“Q PLAN Term”)). Instalments calculated by taking Purchase amount that is the subject of the Q PLAN, together with interest calculated at the applicable Q PLAN Interest Rate and dividing that amount over the Q PLAN Term. Minimum Payment due will increase as Instalment is added to Minimum Payment due each month. By converting, you waive any Payment Holiday/interest free period applying to your purchase (including under a Q Promotion). This may mean the amount of interest you pay under a Q PLAN is greater than if you had not converted. Long Term Finance transactions, Cash Advances & Balance Transfers are excluded from conversion. Transactions converted to a Q PLAN cannot make up 80% or more of your available credit limit. If you fail to pay all or part of an Instalment, that amount will be overdue and will become part of the Closing Balance of your Account and interest will be calculated and debited to your Account on that overdue amount at the Standard Interest Rate applying to your Account (currently 28.50%). Click here to see the full Q PLAN Terms and Conditions.