The Q Card is not a traditional credit card in the sense that you can only use it across a selection of partner stores across New Zealand (both offline and online) and your purchases are secured against your debt incurred on the card. This means that if you default on your payments the card provider can repossess the items to you have purchased to help them recoup their money.The Q Card offers a range of competitive interest-free deals and payment holidays which ranges from across different stores. Keep in mind though, the Q Card has a higher interest than usual for a non-reward credit card in New Zealand. This card is only suitable for you if you are absolutely sure you can pay back the debt within the interest-free period.
IMPORTANT NOTE: please review the card details on the provider's website again before applying.
Your eligibility for this card would depend on a few criteria listed below. When you apply for the card, the credit card provider is likely to ask you a few questions about these criteria to determine your eligibility.
**You have to be a New Zealand permanent resident, and have a good credit history to apply for a Kiwibank Credit Card
In general the following documents are usually required for credit card applications.
One of the following:
If you’re self-employed, you must supply:
A copy of one or two items from List A. If you provide only one item from List A, you must also provide one item from List B.
*Note: If you are after for a rewards credit card, you can compare all the rewards credit cards listed our website on the rewards credit cards page. Rewards credit cards allow you to earn points for using your credit card, and depending on your card, you can redeem points earned for cash, air points or other goodies.
The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in New Zealand to help you find the best credit card in NZ to suit your individual needs including interest free credit card, low rate credit card, balance transfer, credit card reward and air nz credit card.