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Q Mastercard: Spend $2000 Get $200 Back, Spend $3000 Get $300, or Spend $5000 Get $500 Back in The First 60 days (New Signups)

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Q Mastercard: Spend $2000 Get $200 Back, Spend $3000 Get $300, or Spend $5000 Get $500 Back in The First 60 days (New Signups)
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nzhanji on 15/06/2023 - 14:01 qcard.co.nz (640 clicks)
Last edited 15/06/2023 - 14:32
NOFEE

Annual Fee FREE for 1 year* & up to $500 back+ with Q Mastercard®

Complete your Q Mastercard application before 2 July 2023 and if approved^ you’ll pay no account fee for 1 year when you use the code ‘NOFEE’*. Annual Account Fee of $50 applies after the first year. Plus, spend up to $5,000 in your
first 60 days to get up to $500 back+. (Offer applies to Standard Purchases only.)

Once your card has been activated, spend in your first 60 days on Standard Purchases to qualify for one of the following credit backs+:
Spend $2,000 to get a $200 credit back,
Or spend $3,000 to get a $300 credit back,
Or spend $5,000 to get a get $500 credit back.

With Q Mastercard you also enjoy a minimum of 3 months zero interest, zero payments^ on all Standard Purchases, big or small. Always.

Ts&Cs apply*+.

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closed Comments

  • Nuzzer on 15/06/2023 - 14:08

    There doesn't seem to be a qualification on a "new" customer. I closed my card a few months ago so it appears I would be a "new" customer. Sound right?

    • nzhanji on 15/06/2023 - 14:12

      Here's the first point from T&C's "Promotional offer available for all new accounts opened ", not sure if closed account is being considered as new account.

  • hummerh40 on 15/06/2023 - 14:14

    What does the following mean?

    New Q Mastercard customers approved from online applications completed using the promo code ‘NOFEE’ during the Offer Period (“Eligible Customers”) may qualify to earn a Credit Back for Standard Purchases (Long Term Finance transactions excluded) as follows:
    Eligible Customers who spend between $2,000-$2,999 on Standard Purchases before 11.59pm within their first 60 days will receive a credit back of $200 or if their Closing Balance is less than $200 at the time the prize is drawn, an amount equal to the Closing Balance; or
    Eligible Customers who spend $3,000-$4,999 on Standard Purchases within their first 60 days will receive a credit back of $300 or if their Closing Balance is less than $300 at the time the prize is drawn, an amount equal to the Closing Balance; or
    Eligible Customers who spend $5,000 or over on Standard Purchases within their first 60 days will receive a credit back of $500 or if their Closing Balance is less than $500 at the time the prize is drawn, an amount equal to the Closing Balance.

    What if I spend $5000 and pay it off the next day, my closing balance would be $0. does that mean I wouldn't get any credit back

    • Nuzzer on 15/06/2023 - 14:24
      +2

      I think that is the case, you need to leave a balance of 500 there to get the credit

    • nzhanji on 15/06/2023 - 14:34
      +1

      yes, that sounds confusing. I think they mean just spending. To be safe and avoid any interest, I will spend after 1st statement.

    • nzhanji on 15/06/2023 - 14:55
      +2

      one more point, you don't need to pay anything on your purchases for first 3 months. So wait for Credit before making any payment.

      • hlj25 on 15/06/2023 - 15:32

        I guess it all depends on when the "prize" is drawn, because you need to make sure you have at least X amount in there owing, for them to match it.

    • danvelopment on 15/06/2023 - 17:37

      Sounds like it's best described as.

      Spend $5000 in the first 60 days and get up to $500 of debt written off your card at the time of assessment.

      You're not "getting money back" they're just writing off that much in debt (if you have it).

    • Doppelganger on 18/06/2023 - 14:07
      +1

      Any purchases made on Q Mastercard during the Offer Period that have been cancelled, refunded, returned or suspended before 8 September 2023 will not be eligible for inclusion in the Offer. The Credit Back will be applied by Friday 15 September 2023 to each qualifying customer’s Q Mastercard account

  • Elrops on 15/06/2023 - 18:35

    Do you think this offer would work if I "spent" the money by transferring it to a Wise Debit card?
    I'm trying to find their definition of standard purchase and cash advance.

    • ace310 on 15/06/2023 - 19:07
      +2

      So far previously that would always meant as cash advance and not a purchase. It also attracted charges so I won't do it unless t&c says otherwise

    • josepaul99 on 15/06/2023 - 19:56

      I'm not sure about Q Mastercard but I've used Gem credit card to send money abroad via Wise and it always shows up as a 6 month interest free purchase.

      Also, the credit card fee for Wise is $74 when you add $5000.

  • Coolbro on 15/06/2023 - 19:17
    +2

    An easy way to rack up spend, which I don’t think technically breaks any rules..(?)

    Book a hotel on the likes of booking.com, make sure it’s a date in future with free cancellation - once the credit had been applied, cancel your booking

    • gooddeals on 15/06/2023 - 19:34
      +1

      They may also take the credit back though on upon refund.

    • kartikb on 15/06/2023 - 21:44
      +1

      hey can you share a bit more on what to do here, wouldn't pay by the card and cancelling it be shown as a refund hence not actually spending the money.

  • genesis on 15/06/2023 - 19:53

    Applied for mine and it got accepted already. Will give it a go, and see how we go for the next 2 months

    • SilverLining on 16/06/2023 - 14:09

      Can I ask please - is income asked about on the application form and is proof required? I'm wondering if having an irregular income might hinder the application process, thanks.

      • genesis on 16/06/2023 - 14:36
        +1

        Yes they do ask for your income, as well as bank statements for proof of income.

        I must say though they were MUCH more lenient than banks when applying for a credit card.

        Westpac declined me on the $500 limit Mastercard (no annual fee). But Qcard approved me a limit 10x more than what I was applying for at Westpac.

        Reason I got declined at Westpac was because I have a mortgage between 3 people. But Westpac won't look at that as the mortgage divided by 3, and instead I carry the full load of that mortgage…

        But declined a $500 limit credit card…. come on…..

        • SilverLining on 16/06/2023 - 15:31

          Thanks for the insights, I thought that would be the case.

          $500 limit credit card declined - crazy.

        • mdsl32 on 06/07/2023 - 21:52

          Westpac declined increase to 1000
          BNZ Approved 8k Platinum go figure

  • jcrob111 on 15/06/2023 - 20:30

    Can you cancel after say 6 months and still pay no annual fees (fees waived)?

  • atoms on 16/06/2023 - 08:17
    +7

    Some ideas on how to manufacture spend:
    - Prepay whatever you need for future use, ie gas gift cards, supermarket gift cards, Prezzy cards (fees apply), prepay electricity or gas, rates (fees apply), I suggest looking at your usual spending to see what you can buy in advance
    - If you deal with IRD, you can pay with a card (fees apply)
    - Some physical retailers let you purchase something online and then refund it to a debit card in store. This is costly to a retailer and there would only be a few left that have not cracked down on it
    - Buy something on Trademe, pay with Ping, resell, and hopefully with an extra profit

    • MrCheapie on 16/06/2023 - 08:26

      Love your thinking! Great stuff.

    • Aba22 on 16/06/2023 - 11:21

      Also Sharetank petrol before the fuel tax is added back on. Can pre-pay for 1000L per account.

    • coach on 16/06/2023 - 15:41

      I don’t know if Trade Me is worth the hassle as they also take 7% in fees.

      • justaddwater on 05/07/2023 - 22:09

        you dont have to resell on trademe

    • ace310 on 17/06/2023 - 18:27
      +1

      Normally any returns in store like costco, clothing store would ask for the card to put credit back on. Pay with qcard and present another credit card for returns. I am almost certain qcard won't know about the returns.

      I have many times used my debit card to get the refund back when used credit card as a purchase.

      Assuming you can 100% return the item.

  • Aba22 on 16/06/2023 - 11:32

    Would you be able to buy a sharesies gift card as a purchase and then have this added to your sharesies account and then withdraw the money back without investing?

    • Coolbro on 23/06/2023 - 21:57

      Anyone know how this appears on your statement?

  • jcrob111 on 17/06/2023 - 14:41

    Anyone found that their bank verifications and document portals don’t work?

    What a painful process so far.

    • miso on 17/06/2023 - 14:52

      Yes, it was a very painful process for us signing up last time. Had to call, then wait, then email then wait then call….

    • jcrob111 on 17/06/2023 - 20:36

      Figured it out - they called and re-sent the link for document uploads. Received approval tonight so all sorted in a day with a bit of effort.

  • genesis on 26/06/2023 - 08:00

    Anyone received their card yet? Got approved on 15th of June, but still waiting for the card to arrive :(

    • Nuzzer on 26/06/2023 - 08:02
      +1

      yep, card arrived in a couple of days

      • genesis on 26/06/2023 - 08:10

        dam, guess I need to contact them to see what's going on.

    • jcrob111 on 28/06/2023 - 18:27

      I got approved on 17 June and am still waiting - call centre said it could take up until 12 July for the card to arrive which is insane. :-(

      • genesis on 28/06/2023 - 18:38

        Mine arrived on Monday when I got home from work, after I posted here and then rung them.

        So that’s probably the magical steps, asking cheapies, then ringing them up. Yours will probably arrive tomorrow now :)

      • jcrob111 on 07/07/2023 - 22:13

        I’ve asked for them to send another one - it’s just been 15 business days so I am pretty sure the original one was misdelivered or lost.

  • Ikik on 05/07/2023 - 21:34

    Hi I just received my card today. Just want to double check I haven't missed any step as throughout my application process there hasn't been any mention of this annual fee waived for 1 year & up to $500 cashback. Is it the same for you too ? Thanks!

    • Elrops on 11/07/2023 - 22:44

      No mention of it anywhere on my account either. I'll be double checking with them tomorrow

      • Ikik on 12/07/2023 - 04:56
        +2

        Forgot to report back. I have called them to check. As long as you have entered the promotion code during sign up and got approval by July 2nd, the deal is on.

  • genesis on 11/09/2023 - 17:05
    Merged from Q Mastercard deal

    For those who signed up for this deal https://www.cheapies.nz/node/41155 earlier this year, have you received your cash back yet?

    I have spent the threshold mentioned in the deal but still waiting for the cash back.

    Looking through the Ts&Cs it does say 'The Credit Back will be applied by Friday 15 September 2023 to each qualifying customer’s Q Mastercard account.'

    But just wondering if anyone has already received their cash back from this deal?

    Cheers

    • Coolbro on 11/09/2023 - 19:10
      +1

      I haven't received mine yet - but when I joined under the flight centre mastercard promo (which is the same provider - flexicards) the payment was made on the day of (that is, I'd expect the credit to arrive on the 15th)

      • genesis on 11/09/2023 - 20:16
        +1

        I see, thanks for that. Will report back on Friday then

    • jcrob111 on 14/09/2023 - 17:23

      Crossing my fingers and toes for tomorrow - no credit back yet.

      • genesis on 14/09/2023 - 19:47

        Just checked my balance and received my $500 credit!

        10% cash back that’s pretty good!

    • nzhanji on 14/09/2023 - 19:56
      +1

      I got my $500 credit as well today.

    • jcrob111 on 14/09/2023 - 21:30
      +1

      Just got mine, yusss!

    • atoms on 14/09/2023 - 23:07
      +1

      Got the 500 today, great deal!

    • genesis on 15/09/2023 - 09:12
      +1

      Do we cancel our cards now? To avoid the annual fee, and also now that the deal is done.

      • jcrob111 on 17/09/2023 - 16:28

        Ive asked when the annual fee is charged. Also planning for cancel as don’t see any reason to keep it.

        • genesis on 17/09/2023 - 19:01

          Yeah planning to cancel in next few days too.

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