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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: *Lending criteria is $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances) in-store and online. 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.

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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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