Credit card · Long term finance
Shop now, pay
on your terms.
The Q Mastercard combines the flexibility of a credit card with access to long term finance deals at thousands of retailers across New Zealand — including MODA Furnitures.
Apply online today. Once approved, add it to your digital wallet and use it straight away — in store at our Ōtāhuhu showroom or online.
Why Q Mastercard
3 months breathing space
Every standard Q Mastercard purchase comes with a minimum of 3 months no interest, no payments — automatically. No minimum spend, no special offers required.
Long term finance deals
Access extended interest free deals at thousands of participating retailers across New Zealand — in-store and online. Check qcard.co.nz for current deals.
Use it anywhere
The Q Mastercard is accepted anywhere Mastercard is accepted worldwide — in-store, online, and via digital wallet. Add it to Apple Pay or Google Pay straight after approval.
How to get started
Apply online
Apply for your Q Mastercard at the link below. If approved, you can add it to your digital wallet and shop straight away.
Shop at MODA
Use your Q Mastercard in store at our Ōtāhuhu showroom or online at modafurnitures.co.nz — wherever Mastercard is accepted.
Enjoy your purchase
Every standard purchase gets at least 3 months no interest, no payments. Long term finance deals may also be available — ask our team in store.
Key rates and fees
Sourced from qcard.co.nz — subject to change. Full terms and conditions apply.
^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. No interest, no payments for three months is available on all Q Mastercard standard purchases (excludes Long Term Finance and Cash Advances). Standard interest rate, currently 28.95% p.a., applies to the outstanding balance at the end of the interest free period. Other interest rates and fees may apply and are subject to change — see Q Mastercard terms and conditions for full details.
*Long Term Finance: minimum spend may apply. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction; $35 Advance Fee applies to subsequent LTF transactions. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period. Paying only the minimum monthly payment may not fully repay the balance before the end of the interest free period. Standard interest rate of 28.95% p.a. applies at the end of the LTF interest free period. Rates and fees subject to change. Credit provided by Columbus Financial Services Limited.
Q Mastercard questions
Can I use Q Mastercard at MODA?
What is the 3 months no interest, no payments offer?
What is Long Term Finance?
Can I add it to my digital wallet?
What is the annual account fee?
Where can I find full terms and conditions?
Questions about financing your purchase?
Our team can help you understand your options — in store or online.
