See Our Finance Options
Receive 12 months interest free* with Q Card and Q Mastercard
Don't have a Q Card? No worries! You can visit the Q Mastercard website and apply online for pre-approval.
Upon successful application, you will receive a 10-digit customer ID number, which you will need to provide to your local licensee once you accept their quote.
Terms and conditions apply.
Terms and Conditions
Q Card and Q Mastercard
Customers must have New Zealand residency and a valid New Zealand driver licence.
Long-Term Finance (LTF) – Transaction Fee
- 6 months – 1.00%
- 12 months – 2.95%
- 18 months – 4.00%
- 24 months – 6.50%
- 36 months – 8.00%
Fees and Payment Details
- Minimum spend: $1,500
- Annual Account Fee: $50
- Establishment Fee (new Q Mastercard cardholders): $55
- Advance Fee (existing Q Mastercard cardholders): $35
Minimum monthly payments of 3% of the closing balance or $10 (whichever is greater) apply throughout the interest-free period. Paying only the minimum will not fully repay the balance before the end of the period.
At the end of the interest-free or payment-holiday period, the standard rate of 27.99% p.a. applies to any remaining balance.
Q Mastercard lending criteria, fees, terms and conditions apply. Rates and fees correct at the date of publication and subject to change.
Other Credit Card Surcharge
A 1.5% surcharge applies to all Visa and Mastercard credit card payments.
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