Q Card Mastercard NZ

Q Card was created by Consumer Finance Limited as a way for Kiwis to get the most out various purchases, from electronics to travelling, and from furniture to gardening. Whether in-store or online, Q Card lets Kiwis get exclusive discounts on store partners such as Farmers, Mobil, and House of Travel, on top of a 3-month standard interest-free and payment holiday period. The number of Q Card NZ store partners is continuing to grow, so you can expect even more options in the future!

Q Card has evolved  into Q Card Mastercard that lets you access Q card deals, rewards, and discounts in various stores. You can do so much more with a Q Card Mastercard such as cash withdrawal and cashless payment wherever Mastercard is accepted. This means you can also use your Q Card Mastercard for all your shopping needs - from overseas transactions when you’re traveling, to everyday groceries.

q credit cards nz

The Q Card Mastercard is a good fit for someone who’s not comfortable in making huge payments on a monthly basis. It spreads your payment over three months, lessening the interest and giving you more time to breathe. If you’re interested in low interest and exclusive discounts at Farmers, Flight Centre, and other popular NZ stores, considering applying for a Q Card Mastercard.

Why sign-up for a Q Card Mastercard?

Q Card Mastercard gives the flexibility you need to pay your bills; so if you’re having problems in making monthly payments, then this card can give you more time to prepare. As your payments will be spread over 3 months, you’ll avoid getting stuck with large payments every month. 

By managing your bills and checking your balance through the Q Card app, you can also avoid surprises and prepare in advance for your payments. Mastercard is accepted by thousands of local and international stores, making overseas and contactless payments possible.

Interest-free deals from thousands of stores

You can shop in-store or online using your Q Card Mastercard for home and garden, travel and leisure, appliances and gadgets, beauty and health, furniture, automotive, and fashion and jewelry. It’s important to note that there’s quite a number of stores willing to offer interest-free purchases beyond the 3-month payment holiday, giving you the advantage to save more on services and products. Interest-free deals on partner stores range from 3 to 30 months!

Q Card Mastercard NZ details - Rewards, Rates, Annual Fees

Fees and charges

Generally, Q Card Mastercard has an annual account fee of $50 (free in your first year), a standard interest rate of 25.99% p.a. (at the end of the payment holiday), an international transaction fee of 1.4% (converted to NZ dollars), an establishment fee of $55 for new Q Card Mastercard holders and a cash advance rate of 27.25% p.a. Exceeding your Q card credit card limit won’t be charged but purchases will be declined when you use the card. Default fees and charges may also apply when you default under your agreement with Q Card.

Mastercard features

Q Card deals are integrated with the innovative features of Mastercard. This ranges from small to big purchases, and from short to long-term interest-free offers. When you need to make big purchases, such as international flights, dental treatments, or home furnishing, Q Card Mastercard gives you access to interest-free deals that range from 12 to 30 months. It’s also built with Tap & Go™ for contactless payments, and Mastercard SecureCode™ for maximum security on your transactions.

Make the most of your shopping experience with Q Card deals today!

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Shane Egan (Popup) , 2023-07-10

Excellent service. Responsive and easy to deal with. Got me an awesome deal on Broadband. Well worth calling to see what they can do. 👍

Jamie Martin , 2023-06-18

Really great service, helped us save about 30% on power plus a free $100 sign up bonus. Very fast and efficient.

Kat W , 2023-06-20

Very helpful and informative. Lovely chatting with them on the phone, helped me find a power supplier, pretty simple and straight forward

Dee Painter , 2023-08-08

So easy to use, very helpful and got a great deal with my power and gas