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Two years
$0 annual Account Fee*
Bloomin' lovely.

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Offer ends 30 April 2025. *Promotional Ts&Cs, promo code, lending criteria, fees, Ts&Cs & exclusions 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. $50 annual Account Fee applies after promotional period ends. See below for full details.

Pay no annual Account Fee for two years* when you join Q Mastercard

We’re welcoming new customers to Q with an offer that’s as fresh as a daisy. Apply for your credit card online and if approved, you’ll pay no annual Account Fee for two years, as long as you use your card every month*.

APPLY NOW, IT’S AS EASY AS 1, 2, 3!

Apply online

Apply online between 1 - 30 April 2025 using the promo code TWOYEARS.

Approved for Q

Get approved and receive your new Q Mastercard credit card.

Spend monthly

Make sure you use your card every month*. There's no minimum spend.

This offer excludes new accounts that are opened when making a Long Term Finance (LTF) purchase at one of our retail partners.

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Using your new credit card

From weekly groceries and household bills to monthly subscriptions and coffee with friends – Q helps you take care of your expenses. It’s the credit card with 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).

TOP TIP: Load your new Q Mastercard as your preferred payment option for a monthly subscription to ensure you use your card every month – and continue to qualify for no annual Account Fee for two years*.

Q Mastercard card

Apply with promo code TWOYEARS

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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.


Scan to download the app

Q Mastercard app

Apply online in less than 10 minutes

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Things you should know

*Pay no annual Account Fee for 2 years Terms & Conditions apply.

  1. Promotional offer available for new approved customers only, from online Q Mastercard applications submitted between 1 April 12:00am to 30 April 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 via the website 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 2 years (“Offer”).  
  3. To be eligible to redeem the Offer the promo code ‘TWOYEARS‘ 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 Payment Purchases) or Fixed Instalments.   
  5. A minimum card use applies being the use of the Q Mastercard credit card within each monthly statement period during the 2 year promotional period. 
  6. After the second year, the annual Account Fee of $50 applies and will be charged in accordance with the terms and conditions applying to your Q Mastercard. 
  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, fees, Q Mastercard terms and conditions apply. 
  9. 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 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.

+Balance Back Prize Draw Terms & Conditions.

  1. Valid from 12:01am Saturday 22 March to 11:59pm Wednesday 30 April 2025 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 two (2) prizes in total to give away (“Prize Draw”).
  3. Two (2) Prize Draw winners will receive a credit equal to the balance of their account as at 11.59pm on 11.59pm on 30 April 2025 on their Q Mastercard account or Q Card account, up to a maximum amount of $5,000 (“Prize”). Only one prize per account holder.
  4. An entry into the Prize Draw is automatic every time an eligible purchase (which is any purchase excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) is made with Q Mastercard or Q Card during the Prize Draw Period. The transaction date and time is determined by when the merchant processes the purchase and is outside of the Promoters 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 for cash.
  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 or 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. Two (2) 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 May 2025.
  11. The Prize Draw winner/s will be notified via phone or email by Friday 16 May 2025. If the 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.

 

Credit provided by Columbus Financial Services Limited

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