Q Mastercard® and Q Card

Enjoy updating your home and love the new floor that you have been dreaming of.

Whether you’re buying a beautiful rug or putting new flooring through all of your home, you can make your big purchases on our interest free or payment holiday terms. These easy finance options give you that much needed ‘breathing space’ or even the option to upgrade to something you may have your heart set on. Lending criteria, fees, terms and conditions will apply. See below for details.

All of our Flooring Xtra stores offer interest free finance options. You can apply today for pre-approval with Q Mastercard® and you could to take advantage of our great interest free offers. Alternatively, one of our friendly team members can help you with the application process in store.

  • Don’t forget to bring in your current NZ Driver License to speed up processing your application for finance in-store

  • If you are an existing Q Mastercard or Q Card Cardholder, simply present your card in store and we will process your transaction, subject to available credit



^No payments and no interest for 6 months (“Payment Holiday”) is available on Flexi Payment Plans for in-store purchases only until 31 October 2019. Minimum spend $1,000. Annual Account Fee of $50 applies. New Cardholder fee - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.



How do I apply for finance?

If you don’t already have a Q Mastercard or Q Card:

  • In-Store: Bring in your current identification e.g. NZ Driver Licence or Passport. We will process the application and advise you of the outcome.
  • At Home: Apply at home here. If approved simply take your current NZ Driver Licence into your Flooring Xtra store so that we can process the transaction.

What fees do I get charged when I apply?

If your application is approved, an annual account fee of $50 applies - $25 applied to your account on opening and every 6 months thereafter. An establishment fee of $55 is charged when you open your account and use Long Term Finance (such as 18 months no payments & no interest). For more information about Q Mastercard Fees, visit

How long does it take for my application to be processed?

It will take approximately 10 minutes to complete the application in our store. Your sales consultant will enter this into the Q Mastercard system which gives you a decision of the outcome.

When I make a purchase, can I split my payment between cash or Eftpos and put the balance on Q Mastercard or Q Card finance?

Yes, you can separate your payment like this. If we have available a special finance offer there may be a minimum spend amount that applies for transactions. 

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Flooring Xtra is New Zealand's largest flooring retailer, with 60+ stores located across the country. All Flooring Xtra stores are proudly New Zealand owned and operated, so you can rest assured that when you shop with Flooring Xtra you're supporting hard working Kiwi families and their local communities. Our stores specialise in both residential and commercial flooring solutions, with all stores offering full end to end installation services. Shop and browse our extensive product ranges today, including: carpet, timber, laminate, vinyl, lino, luxury vinyl tiles, underlay, rugs, garage carpet, floor cleaning kits and floor accessories. There's something for everyone at Flooring Xtra!