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Benefits of Q Mastercard

Q 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 Month Payment Holiday

Minimum 3 months zero interest, zero payments^ on all purchases. Always. 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.

Q Mastercard card

Apply for Q Mastercard online.

You can use your Q Mastercard for everything!

You can use Q Mastercard for purchases big and small. From everyday essentials such as groceries, coffee, and fuel, through to household purchases, big ticket items, new season clothing, dining out, everyday travel, bills and subscriptions. With Q Mastercard you could enjoy more of the things you love with a minimum 3 months zero interest, zero payments^ on all purchases. No minimum spend. Always. Plus you can use your card everywhere Mastercard is accepted, in-store, online and around the world.

Get daily essentials

Perfect for all your daily essentials, regular purchases and special occasion treats both online and in-store.

Pay for utilities

Use your Q Mastercard as the payment method for all your household utilities including power, internet and water.

Subscription payments

Manage your gym membership and workout app subscription payments with Q Mastercard.

Home entertainment

Add your Q Mastercard to your video and music streaming subscriptions like Netflix, Spotify, Amazon Prime, Disney+ and Lightbox.

Get a ride

Use Q Mastercard as your payment method for Uber, Ola, Zoomy or for your AT HOP top-ups.

Take care of yourself

Make the most of your Q Mastercard and get breathing space when you pay for Healthcare, Vets, and Pharmacy purchases.

Q Mastercard Rates, Fees & Conditions of Use

Everyday spend

0

Zero interest, zero payments for 3 months on all Standard Purchases. No minimum spend. Always.

28.50

Standard Interest Rate applies after 3 month interest free term ends.

$50

annual Account Fee ($25 fee on opening an account and every 6 months thereafter).

Long term finance

0

on Long Term Finance deals. See where you can shop interest free.

$55

Establishment Fee applies to your first 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.

Q Mastercard Current Promotions

Thinking about a Q Mastercard?

Apply^ online using the promo code ‘FREEZE’ by 30 June 2024 and if approved we’ll freeze your annual Account Fee for the first year*.

Are you dreaming of a winter getaway?

Every purchase with your Q Mastercard or Q Card from Saturday 18 May to Sunday 23 June 2024 is a chance to win^ a $5,000 winter getaway! The destination is up to you.

Additional Q Mastercard Features

Customer paying for coffee via digital wallet

Pay with your digital wallet

Pay easily and securely on the go using your Q Mastercard digital wallet. Make secure contactless transactions with a touch or a wave on your phone or wearable device. Spend in-store and online with Apple Pay™, Google Pay™ and Garmin Pay™.

Customer paying with his Q Mastercard while waitress is presenting the Eftpos at the restaurant

Contactless Payments

The PIN limit for contactless card payments has increased from $80 to $200 to make it easier when purchasing in-store.

Mobile phone with Q Mastercard App open displaying balance

Manage your account on the go

Introducing new and easy-to-use features that make managing your account even more convenient.

Mobile phone with Q Mastercard App open displaying balance


Scan to download the app

Do what you love to do with Q!

Things you should know

^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Card Standard Purchases (excludes Long Term Finance). Standard Interest Rate, currently 28.50% p.a., applies to outstanding balance at end of interest free period. Rate and fees subject to change. Rate and fees correct as at date of publication.

+ 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.

Read the Apple Pay Terms of Use here
 
Read the Google Pay Terms of Use here
 
Read the Garmin Pay Terms of Use here
 
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.