View our repayment options here.
Whether you prefer shopping at large merchants or boutique stores, you have the opportunity to enjoy Interest Free* payment options with Q.
Long-term Interest Free* allows you to make a purchase and pay it off over an extended period of time without having to pay any interest*. With your Q Card or Q Mastercard you have access to:
Once you find an Interest Free* option that suits your needs talk to a staff member in-store
Purchase! Our merchants will help you process the transaction through their portal which takes less than two minutes
Depending on the merchant and the deal available you may not be charged any interest on the cost of your purchase for at least 12 months. In some cases, you may also have a payment holiday which means you won’t need to make any payments either.
However, after the promotional period finishes, interest will begin being charged at the published rate (currently 27.99% for Q Card and 27.89% for Q Mastercard), and if you have also been enjoying a payment holiday, you will need to begin making payments as well or else you will incur late payment fees and your credit record may be affected.
You can keep track of your balances, available credit, how long your long-term finance period has left and make payments easily using the Q Mastercard App, or by logging into My Account online.
It is also important to think about what other spending you are doing on your Q Card and Q Mastercard during this time as these long-term finance deals only apply to the specific purchase they are used for, not all the purchases made with your card.
Q Card Holders: we do not offer credit limit increases on Q Card.
Q MasterCard Holders: To apply for a credit limit increase please log in to My Account or the mobile app.
Q Card Holders: You can use your Q Card at selected online stores. Please see here for the latest merchants that accept Q Card online.
Q MasterCard Holders: Your Q Mastercard is accepted anywhere Mastercard is accepted worldwide, in-store and online.