* Terms and Conditions

Minimum spend of $1,000 applies. 24 months interest-free is available on Long Term Finance (LTF) purchases made using Q Card or Q Mastercard®.

• Standard Annual Account Fee: $50 ($25 applied every 6 months)
• Establishment Fee: $55 (for new Q Mastercard® or Q Cardholders)
• Advance Fee: $35 (applies per LTF purchase)
• Minimum Monthly Repayment: 3% of the outstanding balance or $10 (whichever is greater)
• Standard Interest Rate: 27.99% p.a. applies after the interest-free period ends

If the balance is not paid in full by the end of the interest-free period, standard interest rates apply. Rates and fees are subject to change.

Q Card and Q Mastercard® are issued by Consumer Finance Limited.
See qcard.co.nz/fees-and-charges and full Q Mastercard T&Cs for details.