1. Promotional offer available for new approved customers only, from Q Mastercard applications submitted between 20 January 12:00am to 28 February 2025 11:59pm New Zealand local time (“Offer Period”). Applications received outside the Offer Period will be ineligible.  
2. Eligible customers who have applied for a Q Mastercard account during the Offer Period, and have been approved and opened an account within 45 days of applying, will have the annual Account Fee ($50) waived for the first year (“Offer”). Annual fees are applied to your Account in two 6-monthly instalments ($25 on opening and every 6 months thereafter). This Offer means that the two initial annual fee instalments will be charged and then refunded to your account on each of the respective instalments.   
3. To be eligible to redeem the Offer the promo code ‘ONEYEAR‘ must be entered into the promo field on the first page of the application.  
4. Excludes any new accounts created with a first purchase being a Long-Term Finance purchase (including Flexi Pay purchases) or Fixed Instalments.  
5. After the first year, the annual Account Fee of $50 applies and will be charged in accordance with the terms and conditions applying to your Q Mastercard.  
6. Q Mastercard reserves the right to extend, amend, suspend, or terminate this offer and these terms and conditions at any time without notice.  
7. Lending criteria, fees, Ts&Cs apply. $50 annual Account Fee applies after the promotional period ends. 
8. Q Mastercard terms and conditions apply. If you have any queries, please visit our contact page here.  

^Lending criteria, $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). 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.

^#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.