View our repayment options here.
^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. Rate and fees subject to change. Rate and fees correct as at date of publication.
Long-term Interest Free* allows you to make a purchase and pay it off over an extended period of time without having to pay any interest*. With your Q Card or Q Mastercard you have access to:
Explore our extensive network of merchants and their diverse product selections
Once you find an Interest Free* option that suits your needs talk to a staff member in-store
Purchase! Our merchants will help you process the transaction through their portal which takes less than two minutes
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Depending on the merchant and the deal available you may not be charged any interest on the cost of your purchase for at least 12 months. In some cases, you may also have a payment holiday which means you won’t need to make any payments either.
However, after the promotional period finishes, interest will begin being charged at the published rate (currently 28.50% p.a.), and if you have also been enjoying a payment holiday, you will need to begin making payments as well or else you will incur late payment fees and your credit record may be affected.
You can keep track of your balances, available credit, how long your long-term finance period has left and make payments easily using the Q Mastercard App, or by logging into My Account online.
It is also important to think about what other spending you are doing on your Q Card and Q Mastercard during this time as these long-term finance deals only apply to the specific purchase they are used for, not all the purchases made with your card.
*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.
View our repayment options here.
Please go to Q Deals to see what offers are currently available
Q Card: we do not offer credit limit increases on Q Card.
Q Mastercard: To apply for a credit limit increase please log in to My Account or the mobile app.
Q Card: You can use your Q Card at selected online stores. Please see here for the latest merchants that accept Q Card online.
Q Mastercard: Your Q Mastercard is accepted anywhere Mastercard is accepted worldwide, in-store and online.
