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Enjoy 3 months zero interest, zero payments^

on all standard purchases with Q

Apply for Q Mastercard
Benefits

For purchases big or small, Q’s got you covered

3 months breathing space

Minimum 3 months zero interest, zero payments^ on all standard purchases. Excludes Long Term Finance and Cash Advances. No minimum spend.

Long Term Finance deals

Save with Long Term Finance* deals in-store and online at thousands of partner retailers.

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Offers and Promotions

Explore exciting offers that give you more reasons to love Q.

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Get more with Q

Latest Offers & Promotions

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Q Mastercard

Be in to WIN $20,000. What would you do?

Apply & if approved, be in to win $20,000 cash when you make a standard purchase in your first month.
Learn more
Ends 2 Nov 2025. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Promotional Ts&Cs apply.
Q Mastercard
Q Card

Get 6 months zero interest, zero payments

Enjoy 6 months zero interest, zero payments when you shop with Q between 3-5 October 2025.
Learn more
Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate of 28.95% p.a. applies after interest free period.
Q Mastercard
Q Card

Win your balance back up to $10,000

Every purchase with your Q Card or Q Mastercard between 1 October – 2 November 2025, is a chance to win your balance back up to $10,000.
Learn more
Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
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Long Term Finance

Shop the latest Long Term Finance Deals

An awesome perk of our cards is the access to Long Term Finance deals* in-store and online at thousands of participating stores throughout New Zealand. Whether you're planning a holiday or refurnishing your home, enjoy extended interest free deals and/or payment holidays on your big ticket purchases.

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travel image
  • In-store

18 Months No Payments & No Interest @ Flight Centre

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PB Tech 2025 Lifestyle
  • In-store, Online

18 Months Interest Free* @ PB Tech

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18 months interest free at Farmers
  • In-store, Online

50 Months Interest Free* @ Farmers

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rsz_michael_hill_august_2025
  • In-store

24 Months Interest Free* @ Michael Hill

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Download the app

Manage your account.
Anytime. Anywhere.

Access your account anytime, anywhere with the Q Mastercard App to view your statements, credit limit and much more.

Scan to download the app

Q Mastercard app

Frequently Asked Questions

Help and support

Check our FAQs and get in touch with us for more info.

Q Mastercard app

Things you should know

^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Card and Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies to outstanding balance at end of interest free period. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions and Q Card terms and conditions for full details.

*Minimum spend may apply. 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. Standard Interest Rate of 28.95% p.a. applies at the end of LTF Interest Free Period. Rates and fees subject to change.