Q Card Credit Card – Compare Q Card Credit Cards

We’ve compiled a list of Q Card Credit Cards to help you choose the best Q Card credit card to suit your needs. We have included the key information you need to help you make an informed decision. Use the credit card comparison table below to compare and find the best Q Card credit card to suit your needs. To apply for a Q Card credit card, simply click on the “Apply Now” button to review the details and start your application. For more information about a specific card on our site, click on the “more info” link.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

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*Terms and conditions apply

Updated: 21 Dec, 2024

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Q Card Gold Award	Q Card offers a 3 months no payments and no interest on purchases made at thousands of select retailers. There is a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases.	28.50% p.a. plus 0% interest for 3 months on purchases made from select stores	N/A	N/A	$50.00	3 months More Info » Apply Now »
Q Mastercard Credit Card Gold Award	Q Mastercard offers a minimum 3 months zero interest, zero payments on all purchases. There is a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. This establishment fee reduces to $35 for subsequent Long Term Finance purchases.	28.50% p.a plus 0% interest for 3 months on purchases made from select stores	N/A	N/A	$50.00	3 months More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply

Understanding Q Card’s Interest-Free Deals

How Interest-Free Periods Work

Q Card provides a minimum of three months with no payments and no interest on purchases at many retailers across New Zealand. This means you can buy now and pay later without extra costs, as long as you clear the balance within the interest-free period. It’s a great way to manage your finances if you plan your payments well.

Potential Costs Beyond Interest-Free Periods

While the interest-free period is beneficial, it’s important to be aware of the costs that come after. If you don’t pay off your balance in time, a higher than usual interest rate will apply. Additionally, there are setup fees and annual account fees to consider. Always check the total cost before committing to a purchase.

Tips for Maximising Interest-Free Benefits

To make the most of Q Card’s interest-free deals, follow these tips:

• Plan Your Purchases: Only buy what you can afford to pay off within the interest-free period.
• Set Reminders: Keep track of when your interest-free period ends to avoid unexpected interest charges.
• Compare Prices: Don’t limit yourself to Q Card retailers. Sometimes, a better deal might be available elsewhere, even without the interest-free offer.
• Understand Fees: Be aware of any upfront setup fees and annual account fees that may apply.

Where to Use Your Q Card

Popular Retailers Accepting Q Card

Your Q Card is welcomed at a wide range of popular retailers across New Zealand. From electronics to home goods, many stores offer interest-free deals when you use your Q Card. Some of the well-known retailers include:

• Harvey Norman
• Noel Leeming
• Farmers
• Briscoes

These retailers often have special promotions for Q Card holders, making it easier to manage your finances while shopping for what you need.

Finding Participating Stores

To find stores that accept Q Card, you can visit the official Q Card website. They provide a comprehensive list of participating retailers. Additionally, many stores display the Q Card logo at their entrance or checkout, indicating that they accept Q Card payments.

Using Q Card for Online Shopping

Shopping online with your Q Card is straightforward. Many online stores in New Zealand accept Q Card, allowing you to enjoy the same interest-free benefits as in-store purchases. To ensure your card is accepted, look for the Q Card logo on the retailer’s website or check the list of approved online merchants on the Q Card website.

Comparing Q Card and Q Mastercard

Key Differences Between Q Card and Q Mastercard

While both Q Card and Q Mastercard offer convenient ways to make purchases, there are some key differences. The Q Card is only accepted at participating retailers in New Zealand, whereas the Q Mastercard can be used anywhere Mastercard is accepted, including overseas. Additionally, no new Q Cards have been issued since August 2016, but existing Q Card holders can upgrade to a Q Mastercard.

Benefits of Upgrading to Q Mastercard

Upgrading to a Q Mastercard comes with several benefits. Firstly, it combines the best features of both Q Card and Mastercard. You get global acceptance, meaning you can use it for purchases worldwide. Secondly, the Q Mastercard offers a high standard interest rate at the end of the interest-free period. Lastly, it provides a range of interest-free deals and payment holidays, making it a versatile financial tool.

Application Process for Q Mastercard

Applying for a Q Mastercard is straightforward. Follow these steps:

1. Visit the Q Mastercard website.
2. Fill out the online application form with your personal details.
3. Submit the required documents for verification.
4. Wait for approval, which usually takes a few business days.

Once approved, you will receive your Q Mastercard in the mail, ready to use for all your shopping needs.

Customer Experiences with Q Card

Common Customer Complaints

When using a Q Card, some customers have reported issues such as unexpected fees and high interest rates after the interest-free period ends. Others have mentioned difficulties in understanding the terms and conditions, leading to confusion about their financial obligations.

Success Stories from Q Card Users

On the positive side, many users have shared success stories about how the Q Card has helped them manage their finances better. For instance, some have used the interest-free periods to make large purchases without immediate financial strain. Others appreciate the flexibility and convenience of using the card at numerous retailers.

Customer Service and Support

Customer service experiences with Q Card vary. While some users have praised the helpfulness and responsiveness of the support team, others have found it challenging to get timely assistance. It’s important to reach out to customer service for any clarifications or issues to ensure a smooth experience with your Q Card.

Financial Responsibility with Q Card

Managing Your Q Card Payments

To manage your Q Card payments effectively, always pay your balance in full by the due date. This helps you avoid high interest rates and additional fees. If you face financial hardship, you can apply for a "financial hardship" consideration, which allows you to inform Q Card about your financial difficulties.

Avoiding High Interest Rates

Q Card charges a high interest rate per annum compared to most other credit cards, which is added to your bill daily. To avoid these high rates, make sure to pay off your balance in full each month. This will help you stay out of debt and save money in the long run.

Understanding Fees and Charges

Even if you don’t have a balance to pay, you’ll still be charged a $25 administration fee every six months. Additionally, fees are subject to interest rate and arrears fees for non-payment. Make sure to pay 100% of the amount when it appears on your closing balance to avoid these extra charges.

The History and Evolution of Q Card

Origins of Q Card

Q Card began its journey under the ownership of Fisher & Paykel Finance Ltd. It quickly became a popular choice for New Zealanders looking for interest-free deals and flexible payment options. The card allowed users to make purchases at a wide range of retailers without immediate financial pressure.

Acquisition by FlexiGroup

In 2015, the Australian company FlexiGroup acquired Q Card from Fisher & Paykel Finance Ltd. Despite the change in ownership, the core features and benefits of Q Card remained largely unchanged. This acquisition marked a significant milestone in the card’s history, paving the way for future innovations.

Introduction of Q Mastercard

One of the most notable changes following the acquisition was the introduction of the Q Mastercard. This new card offered additional features and benefits, including wider acceptance and enhanced rewards. The Q Mastercard aimed to provide a more versatile and rewarding experience for users, building on the strong foundation established by Q Card.

Frequently Asked Questions

What is a Q Card?

A Q Card is a type of credit card that offers interest-free deals and payment holidays at many stores across New Zealand. It has a minimum of 3 months with no payments and no interest on purchases at select retailers.

Where can I use my Q Card?

You can use your Q Card at thousands of stores all over New Zealand, including popular places like JB Hi-Fi, Woolworths, and Mobil. You can also use it for online shopping at participating retailers.

What happens if I don’t pay off my balance during the interest-free period?

If you don’t pay off your balance by the end of the interest-free period, the high standard interest rate will apply to the remaining balance.

Can I still apply for a Q Card?

No, new applications for Q Card are no longer accepted. However, you can apply for a Q Mastercard, which offers similar benefits and more.

What are the fees associated with Q Card?

While Q Card offers interest-free periods, there are upfront setup fees and annual account fees that you need to pay.

What is the difference between Q Card and Q Mastercard?

Q Mastercard offers additional benefits compared to Q Card, such as being accepted at more places and having more features. It’s an upgrade from the regular Q Card.