What is Q Card?

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.

Q Mastercard offers access to Long Term Finance deals in-store at thousands of participating retailers throughout New Zealand. Whether you’re planning a holiday or refurnishing your home, Q Mastercard lets you make big ticket purchases on our interest-free and/or payment holiday terms.

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Important Information

3 Months No Payments & No Interest

This is automatically applied when you use your Q or Q Mastercard as a credit card online, or via swiping/tap and go in-store. From time to time cardholder promotional days may offer a longer Interest Free period – these will automatically be applied to your card.

No payments and no interest for three months (“Payment Holiday”) is available on all Q Mastercard Standard Purchases (excludes cash advances) in-store and online. Annual Account Fee of $50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. A PB Tech Surcharge of 2.5% applies for all Q EFTPOS transactions.

Although we make reasonable efforts to update information about Q Card on our website, we make no representations, warranties or guarantees, whether express or implied, that this content on our website is accurate, complete or up-to-date. We also do not warrant or represent that the information regarding Q Card available through the website will meet your particular requirements or needs. We therefore suggest visiting www.qmastercard.co.nz or clicking the button below for the most accurate and up-to-date information.