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Shop with Q to be in to win^ your balance back

What’s sweeter than berries in summer? How about a chance to win^ your balance back?
Every time you shop with Q Mastercard or Q card between 1 October – 2 November 2025, is a chance to win^ your balance back up to $10,000! There are 3 prizes to be won.

Doing your weekly grocery run? Check out with Q.
Planning your next holiday? Book your flights with Q.
Working on your next DIY project? Pick up your supplies with Q.

Whatever your plans are, be sure to have Q on hand.

Plus, Q gives you a minimum of 3 months zero interest, zero payments* on every standard purchase (Standard Interest Rate of 28.95% p.a. applies at the end of interest free period).

Q Mastercard card

Don't have a card? Apply for a Q Mastercard today.

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Fees and Charges

  • Standard Interest Rate

    28.95%

  • Cash Advance Rate

    29.50%

  • Establishment Fee

    A fee charged when you make your first Purchase using Long Term Finance. This is $55.

  • Account Fee

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

These rates may vary from time to time and we reserve the right to change them.

LEARN MORE ABOUT FEES & CHARGES

Eligibility criteria

  • 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 current NZ Driver Licence or have a valid NZ or Australian Passport.
  • Agree to a credit check.
  • Have had the opportunity to seek independent financial advice on whether this product is appropriate for you.
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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 zero interest, zero 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.

QMC app showing available balance
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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
Q Mastercard card

Apply online in less than 10 minutes!

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Things you should know

New customers need to apply and be approved for a Q Mastercard credit card. 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.

  1. Valid from 12:01am Wednesday 1 October to 11:59pm Sunday 2 November 2025 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”).
  3. Three (3) Prize Draw winners will receive a credit equal to the balance of their account as at 11.59pm on 2 November 2025 on their Q Mastercard account or Q Card account, up to a maximum amount of $10,000 (“Prize”). Only one prize per account holder.
  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 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. Three (3) 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 7 November 2025.
  11. The Prize Draw winners will be notified via phone or email by Friday 14 November 2025. 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 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. Zero interest, zero 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.