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Q Card

What is Q Card?

Q MasterCard gives you access to a range of interest-free deals and payment holidays. Use your Q card in-store or online and enjoy a minimum of 3 months no payments and no interest on every purchase*

FOR BUYING THE THINGS THAT MATTER

  • Enjoy no minimum spend on your everyday necessities.

  • Pay with ease all around the globe with Q Mastercard.

  • Shop for Long Term Finance deals at participating NZ retailers.

  • Quick & Easy 5 minute online application process.

APPLY ONLINE

Q Mastercard offers access to Long Term Finance deals^ in-store at thousands of participating retailers throughout New Zealand. Whether you’re planning a holiday or refurnishing your home, Q Mastercard lets you make big ticket purchases on our interest-free and/or payment holiday terms.

Learn More

THINGS TO KNOW

* No payments and no interest for three months (“Payment Holiday”) is available on all Q Mastercard Standard Purchases (excludes cash advances) in store and online. Annual Account Fee of $50 applies. A $55 Establishment Fee for new Q Mastercard Cardholders and a $35 Advance Fee for existing Q Mastercard Cardholders will apply. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.

^Lending Criteria, fees, terms and conditions apply.

Flexi Payment Plan (with a Payment Holiday): This finance product will be a Flexi Payment Plan where the monthly payments will be 3% of the Closing Balance or $10 (whichever is the greater). No Payment is required during the Payment Holiday period. The Q Card Standard Interest Rate applies to any outstanding balance at the expiry of the Payment Holiday

Flexi Payment Plan (without a Payment Holiday): This finance product will be a Flexi Payment Plan where the monthly payments will be 3% of the Closing Balance or $10 (whichever is the greater). Principal payments are required through the interest free period. Upon the expiry of the interest free period the Q Card Standard Interest Rate will apply to any remaining balance.

Fixed Payment Plans: Fixed monthly instalments within the specified term.

Fees

Finance codes include the following unless otherwise stated:

PPSR (Personal Property Security Register) Fee of $3 for New Applications only.

Establishment Fee $55.00 for New Applications

OR

Advance Fee $35.00 for Repeat Purchases (existing Q Cardholders) except Q EFTPOS.

Annual Account Fee of $50 is also charged to customer's Q Card Account in two six-monthly advance instalments of $25 to cover administration costs.

Qcard Long term Finance

Long term finance online is available to existing Q Cardholders only. 12 months interest free is available on online purchases at PB Tech on Q Card Flexi Payment Plans. Minimum purchase $200. Account Fees may apply. A $35 Advance Fee will apply. Minimum 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. Q Card Standard Interest Rate applies to any outstanding balance at end of interest free period. Offer is ongoing. Q Card lending criteria, fees, terms and conditions apply.

Qcard Click and Buy Finance Online

Click and Buy online is available to existing Q Cardholders only. interest free is available on online purchases at PB Tech on Q Card Flexi Payment Plans. Minimum purchase is determined by the promotion type. Account Fees may apply. A $35 Advance Fee may apply. Minimum 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. Q Card Standard Interest Rate applies to any outstanding balance at end of inter1st free period. Offer is ongoing. Q Card lending criteria, fees, terms and conditions apply.

Q EFTPOS surcharge

Please note that PB Tech charges a 2.5% surcharge for all Q 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 below button for the most accurate and up-to-date information.

Home Finance Q Card
Customer Testimonials - See More
"I came in to your shop in manukau, and Mark Neunzerling helped me with my new pc build, would like to say that he is a really knowledgeable guy and helped me a-lot with choosing great parts for my budget! Very pleasant bloke did me a really good deal and am very happy with my pc! Thank you"
Rynhardt - 01/01/2020
"Came into PBTech Christchurch looking for a new Laptop. Was VERY impressed by a certain staff member (Chris Wong), he was very knowledgeable, approachable and had a bubbly personality that made my purchasing decision so much easier and enjoyable. By far one of the greatest purchasing/service experiences I've ever had!"
Mike - 28/12/2019
"PB Tech has been great over the past few years I have been using them. Their service is second to none. I originally purchased a Gigabyte laptop from them which a year after I bought it literally melted on me. The returns department took the laptop and after a few weeks have me full store credit after a year of owning it to choose another brand new laptop with full warranty! Little did I know that this laptop (an MSI) would also cause me issues and after a year and three separate times bringing in the machine they did the same thing as they did the previous year! They took the laptop and after another couple of weeks have back full store credit for yet another laptop. I currently have an ASUS Zephyrus M and it has been going strong for the last year and a bit. Cannot say enough good stuff about the service here. 10/10"
Lauchlan - 25/12/2019
"Went to pb tech hamilton. I would say it is one of the best in town, The staff are very helpful and deliver quick service. Would recommend to anyone."
Dylan - 19/12/2019
"The PBTech Head office was extremely helpful, helping me get my headphones replaced after they arrived faulty. They got replaced with 4-5 days which was much faster than I was expecting."
Cam - 17/12/2019
"Baught all my PC parts from these guys and the experience was great. Was able to ring up and ask if the parts were avaliable and then they asked if I wanted them to set them aside for me so I didn't have to look for them in the shop. Will be returning to PBTech in the future."
Connor - 05/12/2019
"Awesome customer service from wellington team! Had an out of box failure of hardware i recently purchased. Team member at service desk was super helpful and promptly replaced it with a new one without any challenge."
Aaron - 27/11/2019
"Walked into the PB Tec Christchurch today with only a vague idea about the laptop I'd like to purchase, and big hopes for finding friendly and knowledgable staff to help me out. I was not dissapointed. PB Tec's staf Chris Wong was amazing (very knowledgable and very patient, yet not pushing to sell at all). As a result, I walked out of the story with a new laptop, confident that I got the best product for my needs and for a reasonable prise. I will recomend this store to my friends, and I plan on returning to PB Tec again in the future."
Ksenija - 23/11/2019
"Epic place excited to buy my PC parts from these guys"
Trent - 23/11/2019
"Epic humans, epic tech. So epic"
Jack - 18/11/2019
"Had Mark N at PB Manukau help me out and he was great. Appreciate the service and definitely sticking with PB"
Lukas - 17/11/2019
"Bruv the mandem of the pb tech at manikz are wild bruv! outstanding service. Yours Sincerely - -SkenG Lord"
Skenga - 06/11/2019
"Chur as these guys rock"
Daniel - 31/10/2019
"Great service for you team members thanks"
Mohammed - 24/10/2019
"Caitlin from counter at Manukau branch: Very good service 20 stars out of 10!!!"
Jerry - 18/10/2019
"Hey there PB Tech team (Christchurch), just wanted to say you lot are awesome. Got one of the new NUCs about a fortnight ago with my quarterly bonus and it's working very well as a Minecraft server PC running Linux Mint. Keep up the amazing work!"
Jeremy - 16/10/2019
"Another very satisfied customer of Mark Neunzerling from the PB Manukau store. Went in to upgrade my Motherboard/CPU & RAM, Mark explained why the ones I had shortlisted wouldn't be the best choice for me and directed me to some better long term options. The motherboard we agreed would suit me best wasn't in stock so Mark arranged for all 3 items to be delivered to me at work. This was all on Sunday, on Wednesday I received a follow-up email from Mark, checking in to make sure I had received everything and was not having any issues, unfortunately I was having a minor issue, so I popped back into the store today and he sorted it all out for me. Very happy indeed with the service from Mark, very nice & friendly chap and will definitely be going directly to Mark for my next upgrades and recommending him to all my friends. Thanks, Jarred."
Jarred - 12/10/2019
"Bought a new. Modem of on tech and had an issues setting it up gave the tech support a ring and they were awesome would not hesitate to recommend them"
Scott - 12/10/2019
"Hello PB CHCH Team, Last weekend i popped in to your store to looking for a laptop. I have gone through the website and selected few before i entered there. The first sales person helped me to reduce those to three laptops by providing much needed updated information. I want to emphasize one thing about your store that no any sales person are putting extra pressure to buy but sharing their expert knowledge which might help customers to choose the right product. That is one of the reasons i passed through all the Tech stores in the town and come to your store. (which is bit far for my location) Finally i want to give a special credit to Mr Jonny Greenless who helped me choose the laptop by providing important information with a very professional manner. All the best team, looking forward to experience the same or even better service in future. Best regards, Iranga Ranasinghe"
Iranga - 09/10/2019
"Brought my stuff from Mark N. at the Manukau store. Got me exactly what I needed, at the price point I wanted. Even after I made it hard for him to meet my needs. One of the Friendliest staff I've dealt with anywhere!!!"
Chris - 06/10/2019