Q Mastercard
Apply for a Q Mastercard credit card & if approved, pay no annual Account Fee for 2 years if you spend every month.
Ends 30 June 2026. Ts&Cs, fees, promo code 2YEARSFREE & exclusions apply.
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.
Minimum 3 months no interest, no payments^ on all purchases. Always. No minimum spend.
The universal acceptance of Mastercard means you can shop wherever, online or in-store.
Get access to Long Term Finance+ (LTF) deals in-store and online at thousands of participating stores throughout New Zealand.
Apply for Q Mastercard
If approved, you can load your Q Mastercard to your
digital wallet straight away and shop today.
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 you’ll enjoy 3 months breathing space between the dayyou shop and when you need to repay.
That’s a minimum 3 months no interest, no payments^ on all purchases. Always.
With no minimum spend and the ability to use your card wherever Mastercard is accepted, Q Mastercard gives you the flexibility of more time to pay on every purchase.
Perfect for all your daily essentials, regular purchases and special occasion treats both online and in-store.
Use your Q Mastercard as the payment method for all your household utilities including power, internet and water.
Manage your gym membership and workout app subscription payments with Q Mastercard.
Add your Q Mastercard to your video and music streaming subscriptions like Netflix, Spotify, Amazon Prime, Disney+ and Lightbox.
Use Q Mastercard as your payment method for Uber, Ola, Zoomy or for your AT HOP top-ups.
Make the most of your Q Mastercard and get breathing space when you pay for Healthcare, Vets, and Pharmacy purchases.
No interest, no payments for 3 months on all Standard Purchases. No minimum spend. Always.
Standard Interest Rate applies after 3 month interest free term ends.
annual Account Fee ($25 fee on opening an account and every 6 months thereafter).
on Long Term Finance deals. See where you can shop interest free.
Establishment Fee applies to your first 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.
Find more information on our types of credit card charges, rates and fees here.
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™.
The PIN limit for contactless card payments has increased from $80 to $200 to make it easier when purchasing in-store.
Get the Q Mastercard App today to access your account anytime, view your statements, check your credit limit, shop without your card and much more!
Things you should know
^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No interest, no payments for three months is available on all Q Card Standard Purchases (excludes Long Term Finance). Standard Interest Rate, currently 28.95% 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 28.95% p.a. applies to outstanding balance at end of LTF interest free period. Rates and fees subject to change.
Q Mastercard app
