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on any online purchase of $500 & above using Q Mastercard

*Lending criteria, $50 annual account fee. Prevailing interest rate (currently 28.50% p.a) applies after the 12 months interest free term period ends., T&C applies.

1,2, and Zzzz easily with MasterCard

You can’t apply for a Q Card anymore. Instead, we’ve combined all the best bits of Q Card and Mastercard to create the Q Mastercard. We think you’re going to love it. Apply for your new Q Mastercard today and you could be shopping for great deals pronto, wherever Mastercard is accepted.

Things you should know: *12 months interest free is available on Long Term Finance (LTF) for in-store/online purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.

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Frequently asked questions

  • How does the Q Card work?
    Q Card is a credit card that gives Q Cardholders a minimum of 3 months no payments and no interest when they use their Card for in-store and online purchases. Today, Q Card has a prominent place in the wallets of thousands of New Zealanders, helping them buy the things that matter.
  • Can Q Mastercard be used anywhere?
    You can use your Q Mastercard everywhere Mastercard is accepted, in-store and online.
  • How do I use my Q Mastercard in-store?
    It's easy - with 'Q Eftpos', the customer swipes their Q Card through your EFTPOS terminal and enters their PIN (or signs) or it can be used online to pay for their purchase on your website - just like any other credit card. Then, we pay you within two business days.
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