Q Card Splash Page

*Nine months zero interest, zero payments

(“Payment Holiday”) is available on all in-store and online standard purchases made with Q Mastercard at accepting merchants all standard Q EFTPOS purchase transactions from Friday 28 January 2022 to 23:59 on Monday 31 January 2022 New Zealand Standard Time (NZST). Excludes LTF purchases, cash advances, balance transfers, fees, interest charges or quasi-cash transactions. The purchase transaction date is determined by when the merchant processes the purchase and is outside the control of Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) (“Issuer”). To avoid paying interest on your purchase, you must pay off the amount owing before expiry of the interest free period. Annual Account Fee of NZD$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. The Issuer reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. Q Mastercard and Q Card standard terms and conditions apply.

Back to school terms

^Back to school Prize Draw: valid from Monday 17 January 2022 to 11:59pm Monday 7 February 2022 (“Prize Draw Period”). There are 23 prizes in total to give away (“Prize Draw”). One Prize Draw winner will receive their Balance Back on their Q Card or Q Mastercard account for an amount equal to the closing balance of their account as at 11.59 PM Monday 7 February 2022, up to a maximum amount of $15,000 (“Grand Prize”). 22 prize winners will each receive NZD$300 of credit back on their Q Card or Q Mastercard account to an amount equal to the closing balance of their account as at 11.59 PM Monday 7 February 2022, up to a maximum amount of $300 (“Daily Prize”). Every transaction made with Q Card or Q Mastercard at any accepting retailer in-store or online during the Prize Draw Period automatically gives you 1 entry into the Grand Prize, plus 1 entry into the Daily Prize (dependent on date of transaction, LTF purchases excluded). A Grand Prize or Daily Prize is not negotiable, non-transferable or redeemable for cash. At the end of the Prize Draw Period, 1 winner will be drawn at random from all eligible entries for the Grand Prize, and 1 winner will be drawn for each day of the 22 days of the Prize Draw Period from all eligible entries received that day for a Daily Prize at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 11 February 2022. The Prize winner will be notified by phone/email by 4 March 2022. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place. The entities responsible for this promotion are Consumer Finance Limited (Q Card) and Columbus Financial Services Limited (Q Mastercard). Q Card and Q Mastercard terms and conditions apply. See www.qcard.co.nz/backtoschool and www.qmastercard.co.nz/backtoschool for further Prize Draw details.