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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.

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