QCard Terms & Conditions

We’re making it easier to get the job done — and pay for it on your terms. AR Plus offers 12 months interest-free on purchases over $2,000 with Q Mastercard® Long Term Finance. Whether you're planning a major ceiling restoration, asbestos removal, or a full repaint, finance options are available to help spread the cost over time.

To qualify, you’ll need to apply for a Q Mastercard® and meet standard lending criteria. Terms and fees apply — see full details below.

• 12 months interest-free is available on Long Term Finance (LTF) for in-store/online purchases only until 31/12/2025.
• Min spend $2,000.
• Ts&Cs Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply.
• $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions.
• Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest interest-free period.
• Paying only the minimum monthly payments will not fully repay the loan before the end of the interest-free period.
• Standard Interest Rate of 28.95% p.a. applies to the outstanding balance at the end of LTF interest-free period.
• Other interest rates and fees may apply.
• Rates and fees subject to change.
• New customers need to apply and be approved for a Q Mastercard credit card.
• Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.