Rating based on 26 reviews

Q Card

  • 12 months no payment
  • No interest rate
  • Online application

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Author Q Card. Screenshot of Q Card website.
[Accessed April 17, 2018]

Q Card - Affordable credit cards

The first thing that comes to the mind of an individual when a credit card is concerned is money and affordability.

For starters, they usually think they won’t be able to afford it because people have known that it is expensive to maintain due to the hefty costs that come with it. This may be true in some cases but a credit card can be more affordable than taking out multiple payday loans or other forms of short term credit.

Competitive credit card rates

Q Card offers some of the cheapest credit card offers. We want to break all boundaries of people thinking they can’t afford to own a credit card of their own. Instead, we want to make everybody aware that they can be able to even own two.

All that is required from your side as the customer is to ensure that you are up to speed with all your payments. If you don’t pay your debts constantly and every month, you might not be eligible of getting yourself a credit card.

It is important to award people who are financially loyal towards their debts as opposed to people who would rather skip three months before thinking about paying an instalment.

We choose our people carefully

Working for a financial services provider is not the easiest task. There are many temptations that might lead you into a dark path. It is for this reason why we scrutinize our potential candidates before approving their job applications. It is due to the fact that we want to work with honest, capable and trustworthy workforce that won’t make us regret why we selected them to form part of such an exceptional team.

Q Card Services

Getting a credit card from Q card has never been this easy. All that is required from you is to fill in our online loan application form and the rest is our job to do. The application form is short and straight to the point.

We will not bombard you with questions you can’t answer. If you don’t understand some of the questions that we ask you to retort in the application form, please feel free to contact us and we will be more than happy to clarify everything for you. However, you will see that most of our questions are self-explanatory

Q card verification and assessment process

The following step is the verification and assessment stage. This is where we require you to submit certain documents that we have to check.

Although there are a lot of aspects that we have to assess, we usually pay extra attention to your financial statements.

This is because we need to be able to determine which credit card bests suits your affordability. The sooner you submit the paperwork that we ask for, the sooner we will be able to start processing your documents. Alternatively, if you take too long to submit your credentials, your application will get delayed.

Q Card offers great benefits and rewards 

Having a credit card with Q card comes with a number of rewards. For starters, we have vouchers and discounts that we will put in your credit card every once in a while. Secondly, the charges are also not too high to maintain. If you have bad credit you may be able to get an unsecured loan but not a credit card.

Q Card – Credit card

  • Loan Type Credit cards

Benefits of Q Card

  • Interest rates are competitive
  • Amazing offers 
  • Repayment holiday option

Q Card - An expert team of credit providers

Adhering to the terms and conditions

Clients have a tendency of getting too excited after we have approved their quick loan or credit card application. This excitement then leads to them just signing the agreement without reading everything carefully. This is not recommended because you would have signed for rules and regulations that might prove to be difficult for you to follow.

Therefore, it is extremely important that you read carefully everything that is documented there. Don’t sign if there are certain clauses you don’t understand. What you can do is call our offices to seek a better clarification either than signing for an agreement you don’t fully comprehend.

We pride ourselves in our staff

Each and every employee we hire is special. They contribute to us being great because, without their daily presence, we don’t know where we would be. These are the same people that go to extreme measures to ensure that all of our clients are well-taken care of.

If you would like to be personally assisted by one of our agents, you can call our offices and we will see to it that your appointment is not only booked but prioritized. Every customer of Q card is important and therefore should be treated as such. We have employed a number of agents so you never have to wait that long when you come to our offices.

Charges for paying your loan late

Should you be faced with slight financial issues that are making it difficult to maintain your constant financial obligations, please notify us as soon as possible. Don’t wait until it is too late for you to inform us and then you expect us to perform miracles.

We for, are human beings we can’t help you if you don’t meet us halfway. However, you will be required to pay extra charges for your late payment and if you continue paying us at a later stage, your credit profile will be impacted badly. It is for this reason why we always advise our clients to not apply for a personal loan or a credit card they will not have the capacity to handle.

Customer Reviews & Testimonials

What can I say but this card is the best card for me and I can get my statements online to having up to 6 months to pay I don’t need more.

Jimmy O
— Wellington —

I love my Q card app on my phone I am able to keep track of all, my purchases and the amount that I owe.

Nikky R
— Auckland —

The app has made my life simple and easy with my credit card they have great offers also and you can stand a chance to win a car right now with them.

Nikko G
— Wellington —

Q Card Contact

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Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 21:00
  • Friday 08:30 – 21:00
  • Saturday 09:00 – 18:00
  • Sunday 09:00 – 18:00