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Get a credit back* of up to $500 with Q Mastercard

Apply^ for a Q Mastercard online using the promo code WINTERSPEND by 14 August 2024.

If approved, simply activate your card and spend in your first month to qualify for one of the following credit backs: 

Spend $2,000 to get a $200 credit back*
Spend $3,000 to get a $300 credit back*,
or Spend $5,000 to get a $500 credit back*.  

Offer available to new customers only. Spend valid for standard purchases only (excludes Long Term Finance purchases, see full T&Cs below).

With Q you also enjoy a minimum of 3 months zero interest, zero payments^ on all standard purchases, big or small. Always.  

So, whether it’s going to dinner with friends, stocking up the pantry or filling up the tank, be sure to use your new Q Mastercard to enjoy more time to pay. 

Let’s get started!

Clarification as of 2 August 2024

The 10 working day period outlined in the terms and conditions is to allow time for a customer to receive their Q Mastercard credit card, to ensure that everyone has a full month (31 days), as a minimum, to spend as part of the credit back criteria. From a credit back perspective we will be providing the credit back for eligible spend during the first 45 days from account open (being, 10 working days to receive the Q Mastercard credit card and one month of spending). The credit backs will be applied as per the dates set out in the terms and conditions.

Q Mastercard card

Apply^ now with promo code WINTERSPEND

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There's more to love as a Q Mastercard customer

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 Month Payment Holiday

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

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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 on the go with the Q Mastercard app

Introducing new and easy-to-use features that make managing your account even more convenient.

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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). Interest Rate, currently 28.50% p.a., applies to outstanding balance at end of interest free period. Rate and fees subject to change.


*Spend and Get terms and conditions apply.
Updated as of 2 August 2024

  1. Promotional offer available for new approved customers only, from Q Mastercard applications received from 1 July 12:00am to 14 August 2024 11:59pm New Zealand local time (“Offer Period”). Applications received outside the Offer Period will be ineligible. 
  2. To be eligible to redeem this offer you must enter the promo code ‘WINTERSPEND’ in the promo field on the first page of your application. 
  3. New Q Mastercard customers approved from online applications completed using the promo code ‘WINTERSPEND’ during the Offer Period (“Eligible Customers”) may qualify to earn a Credit Back for Standard Purchases (Long Term Finance transactions excluded) as follows:
    1. Eligible Customers who spend between $2,000-$2,999 within 31 calendar days (first month) starting 10 working days after the account has been opened (allowing for the card to be received), will receive a credit back of $200
    2. Eligible Customers who spend between $3,000-$4,999 within 31 calendar days (first month) starting 10 working days after the account has been opened, will receive a credit back of $300;  or 
    3. Eligible Customers who spend $5,000 or over within 31 calendar days (first month) starting 10 working days after the account has been opened, will receive a credit back of $500.
      (Noting, the above mentioned 10 working day period allows time for the Q Mastercard credit card to be received by an Eligible Customer. However, eligible spend within that 10 working day period (depending on when the Q Mastercard credit card was received within that 10 working day period) will be included in the credit back promotion – providing up to a 45-day promotional spend period (“Spend Back Period”)).
  4. Promotional offer excludes any new accounts created in line with Long Term Finance (“LTF”) purchases including Flexi Pay purchases and fixed instalments (“LTF New Account”). New accounts created online and with a first purchase being a LTF purchase are deemed a LTF New Account and are not eligible for this promotion. Eligible spend during the Spend Back Period is limited to standard purchases and excludes long term finance, cash advances, balance transfers, interest charges, and quasi-cash transactions. 
  5. Any purchases made on Q Mastercard during the Spend Back Period that have been cancelled, refunded, returned or suspended before 29 October 2024 will not be eligible for inclusion in the Offer. 
  6. The Credit Back will be applied by 31 October 2024 to each qualifying customer’s Q Mastercard account. 
  7. Q Mastercard reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. 
  8. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here. 

+$5,000 Winter Warmer prize draw conditions apply.

  1. Valid from 12:01am Monday 1 to 11:59pm Wednesday 31 July 2024 New Zealand local time (“Prize Draw Period”). Entries received outside this time will be ineligible for entry.
  2. The entities responsible for this promotion are Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) (together the “Promoter”). There are six (6) prizes in total to give away (“Prize Draw”).
  3. Six (6) Prize Draw winners will receive $5,000 deposited into their NZ nominated bank account as verified by the Promoter (“Prize”).
  4. An entry into the Prize Draw is automatic every time an eligible purchase is made with Q Mastercard and Q Card during the Prize Draw Period (which is all purchases excluding long term finance, cash advances, balance transfers, interest charges, and quasi-cash transactions. The transaction date and time is determined by when and where the merchant processes the purchase and is outside of the Promoter’s control and may affect eligibility.
  5. If a Prize Draw winner is deemed ineligible for any reasons, the Promoter reserves the right to draw a replacement Prize Draw winner.
  6. The Prize is not negotiable or transferable.
  7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
  8. Any purchases made on Q Mastercard and Q Card during the Prize Draw Period that have been cancelled, refunded, returned, or suspended before the Prize Draw date will not be eligible for entry into the Prize Draw.
  9. Six (6) winners will be drawn at random from all eligible entries from the Prize Draw Period.
  10. The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 9 August 2024.
  11. The Prize Draw winners will be notified via phone or email by Friday 16 August 2024. If a Prize Draw winner cannot be contacted within 5 business days, Promoter reserves the right to re-draw an alternative Prize winner.
  12. Acceptance of the Prize is deemed consent for the Promoter to use the Prize Draw winners’ details, first name and photograph, for promotional and media purposes. The Promoter collects and processes personal information in order to run the promotion and offer the Prize and as otherwise set out in our Privacy Policy.
  13. The Promoter’s decision is final, and no correspondence will be entered into. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  14. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
  15. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions.
  16. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from winning the prize. Independent financial advice should be sought.
  17. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with a prize or this Prize Draw.
  18. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. However, nothing in these terms and conditions is intended to exclude, restrict, or modify a consumer’s rights under the Consumer Guarantees Act 1993.
  19. Employees of the Promoter and/or Humm Group Limited are not eligible to enter the Prize Draw.
  20. All dates and time are in New Zealand local time.
  21. Q Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply.
  22. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).
  23. If you have any queries, please visit the Promoter’s contact page here.

+$3,000 Chill Your Bill Prize Draw terms and conditions apply.

  1. Valid from Thursday 1 to 11:59pm Saturday 31 August 2024 New Zealand local time (“Prize Draw Period”). Entries received outside this time will be ineligible for entry.
  2. The entities responsible for this promotion are Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) (together the “Promoter”). There are five (5) prizes in total to give away (“Prize Draw”).
  3. Five (5) Prize Draw winners will receive $3,000 deposited into their NZ nominated bank account as verified by the Promoter (“Prize”).
  4. An entry into the Prize Draw is automatic every time an eligible purchase is made with Q Mastercard and Q Card during the Prize Draw Period (which is all purchases excluding long term finance, cash advances, balance transfers, interest charges, and quasi-cash transactions. The transaction date and time is determined by when and where the merchant processes the purchase and is outside of the Promoter’s control and may affect eligibility.
  5. If a Prize Draw winner is deemed ineligible for any reasons, the Promoter reserves the right to draw a replacement Prize Draw winner.
  6. The Prize is not negotiable or transferable.
  7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
  8. Any purchases made on Q Mastercard and Q Card during the Prize Draw Period that have been cancelled, refunded, returned, or suspended before the Prize Draw date will not be eligible for entry into the Prize Draw.
  9. Five (5) winners will be drawn at random from all eligible entries from the Prize Draw Period.
  10. The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 6 September 2024.
  11. The Prize Draw winners will be notified via phone or email by Friday 13 September 2024. If a Prize Draw winner cannot be contacted within 5 business days, Promoter reserves the right to re-draw an alternative Prize winner.
  12. Acceptance of the Prize is deemed consent for the Promoter to use the Prize Draw winners’ details, first name and photograph, for promotional and media purposes. The Promoter collects and processes personal information in order to run the promotion and offer the Prize and as otherwise set out in our Privacy Policy.
  13. The Promoter’s decision is final, and no correspondence will be entered into. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  14. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
  15. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions.
  16. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from winning the prize. Independent financial advice should be sought.
  17. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with a prize or this Prize Draw.
  18. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. However, nothing in these terms and conditions is intended to exclude, restrict, or modify a consumer’s rights under the Consumer Guarantees Act 1993.
  19. Employees of the Promoter and/or Humm Group Limited are not eligible to enter the Prize Draw.
  20. All dates and time are in New Zealand local time.
  21. Q Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply.
  22. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).
  23. If you have any queries, please visit the Promoter’s 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 28.50% 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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