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*
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.
12 Months No Payments & No Interest
* No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Plans & Flexi Purchases for in-store and online purchases only. Minimum spend $200. Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
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 www.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.
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. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. A PB Tech Surcharge of 2.5% applies for all Q EFTPOS transactions.
A cancellation fee of $32.50 may be required to be paid by the customer before PB Tech can process a cancellation request to Q Card, if cancelled after 30 days.
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.