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Get $50 spend back* with
Q Mastercard

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Offer ends 19 January 2025.^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate of 28.95% p.a. applies after interest free period ends. Other interest rates and fees including $55 estb. fee may apply. *Promotional Ts&Cs, promo code and exclusions apply. See below for full details.

Sea, Sand, Summer, Spendback*

Apply^ for a Q Mastercard credit card online using the promo code ‘50BACK’ between 12 December 2024 and 19 January 2025, and if approved, get $50 credit back* when you spend $50 or more in your first month.

 (Offer* excludes new accounts created in-line with Long Term Finance (LTF) purchases. Spend valid on standard purchases only and excludes LTF purchases. See Ts&Cs below).  

Groceries, shopping, dinner with friends… daily expenses can quickly add up! Q Mastercard helps manage these costs – it’s the credit card that gives you a minimum of 3 months zero interest, zero payments^ on every standard purchase! (Standard Interest Rate of 28.95% p.a. applies at the end of interest free period).

Q Mastercard card

Apply^ with promo code 50BACK

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What you get with Q

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.

3 Months Payment Holiday

Minimum 3 months zero interest, zero payments^ on all standard purchases. No minimum spend.

Shop
Everywhere

The universal acceptance of Mastercard means you can shop wherever, online or in-store.

Shop Our Partner Deals

Q Mastercard offers access to Long Term Finance# (LTF) deals in-store and online at thousands of participating retailers throughout New Zealand.

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Manage your account.
Anytime. Anywhere.

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


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Q Mastercard app

Apply^ online in less than 10 minutes!

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Things you should know

^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months available on all Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances). Standard Interest Rate, currently 28.95% p.a., applies after interest free period ends. $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 for full details.

Information on how to enter the promotion forms part of these terms and conditions of entry. Entry into the promotion is deemed as acceptance of its terms and conditions.

*$50 spend back Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received online from 12:00am 12 December 2024 to 11:59pm 19 January 2025 New Zealand local time (“Offer Period”).  
  2. Eligible customers who have:
    (a) applied during the Offer Period, and
    (b) been approved, and opened a Q Mastercard account within 45 days of applying, and
    (c) spent a minimum of $50 on their Q Mastercard within the first 31 calendar days of account opening date (“Spend Back Period”) 
    will receive a $50 credit on their Q Mastercard account (“Offer”).  
  3. Offer excludes any new accounts created in line with Long Term Finance purchases (including Flexi Pay purchases) and Fixed Instalments. Eligible spend in relation to this Offer excludes new accounts created online with a first purchase being a Long Term Finance purchase. Eligible spend during the Spend Back Period is limited to standard purchases and excludes long term finance, cash advances, balance transfers, interest charges, gambling, crypto and quasi-cash transactions.  
  4. To be eligible to redeem the Offer the promo code ‘50BACK’ must be entered into the promo field on the first page of the Q Mastercard application.  
  5. Any purchases made on Q Mastercard during the Spend Back Period that have been cancelled, refunded, returned or suspended will not be eligible for inclusion in the Offer.  
  6. The $50 credit will be applied by 5 April 2025 to each qualifying customer’s Q Mastercard account.  
  7. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.   
  8. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. 
  9. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.  

 

#Minimum purchase and/or minimum payment amounts may be required, see offers for details. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at end of LTF interest free period. Other interest rates and fees may apply and are subject to change, see Q Mastercard terms and conditions for full details. Rates and fees subject to change.   

Credit provided by Columbus Financial Services Limited. 

 

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