The Q Mastercard and Q Card bring an exciting 3 month zero interest and zero payments deal for all standard purchases, making them top contenders for purchasing flexibility in New Zealand. Provided by Humm Group, these cards offer a $50 annual fee, with a standard interest rate of 28.95% pa applying after the interest-free period ends. It's ideal for those planning big or small purchases, with no minimum spend required for this introductory offer.

Both cards also give access to exclusive long-term finance deals across thousands of Kiwi retailers, giving much-needed breathing space on significant expenses. The cards, however, do not allow cash advances or include long-term finance purchases within this three-month feature. The application process is streamlined for efficiency, making it accessible to most creditworthy applicants.

How to Apply

1. Visit the provider's website and begin the online application form.

2. Provide details including identification, income, and address.

3. Review and agree to the terms and conditions.

4. Submit your application and await approval correspondence.

5. On approval, your card will be sent to your address.

Q Mastercard & Q Card Pros

Enjoy a genuine three-month break from interest and repayments, useful for budgeting large expenses. Long-term finance offers up to 50 months add further value.

The cards also come with a dedicated mobile app for easy management, so tracking payments and scheduling repayments is straightforward for busy people.

Q Mastercard & Q Card Cons

The headline rate of 28.95% pa after the interest-free period is relatively high, so carrying a balance can quickly become expensive.

Cash advances and some deals are not included in the introductory offer, and there are fees for establishment and card use that add to the cost.

Verdict

For New Zealanders seeking a flexible way to finance purchases—especially with a 3-month no interest, no payment window—Q Mastercard and Q Card stand out. They're best suited for disciplined payers who will clear their balance before the end of the introductory period.