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What is Q Card?

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*.

Popular products purchased with Q Card

Important Information

12 Months No Payments & No Interest*

*12 Months No Payments & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store & online purchases. Min Spend $200. 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. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

6 Months No Payments & No Interest**

**6 Months No Payments & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store & online purchases. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

18 Months No Payments & No Interest (Promotional) ***

***18 Months No Payments & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store & online purchases in the time range specified within the marketing campaign. Min Spend $200. 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. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

24 Months Interest Free (Promotional)****

****24 months interest free is available on Long Term Finance (LTF) for in-store & online purchases in the time range specified within the marketing campaign. Min Spend $200. 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. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

40 Months Interest Free (Promotional)*****

*****40 months interest free is available on Long Term Finance (LTF) for in-store & online purchases in the time range specified within the marketing campaign. Min Spend $200. 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. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.

Long Term Finance Online

Please note that Long Term Finance is currently only available online to existing cardholders only.

Long Term Finance in store

Long Term Finance is available in-store at all times – a new application can be completed in-store and a sale can be processed immediately. You can also apply prior to your visit at application.qmastercard.co.nz and take your Customer ID number and Photographic ID with you to a PB Tech store.

3 Months No Payments & No Interest

^This is automatically applied when you use your Q or Q Mastercard as a credit card online, or via swiping/tap and go in-store. From time to time cardholder promotional days may offer a longer Interest Free period – these will automatically be applied to your card. 3 Months No Payments & No Interest (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store & online purchases. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Lending criteria, fees, Ts&Cs apply. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. A PB Tech surcharge of 2.5% applies for all Q Card EFTPOS transactions and a 1% surcharge applies for all Q Mastercard EFTPOS transactions.

Although we make reasonable efforts to update information about Q Card on our website, we make no representations, warranties or guarantees, whether express or implied, that this content on our website is accurate, complete or up-to-date. We also do not warrant or represent that the information regarding Q Card available through the website will meet your particular requirements or needs. We therefore suggest visiting www.qmastercard.co.nz or clicking the button below for the most accurate and up-to-date information.