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Been putting off getting renovations done?

With our 18 Months Interest Free Finance Option, you can enjoy your new home and stress less.

If you’re still saving up for a renovation or looking to get finance from the bank (to take advantage of the low-interest rates) – There’s no need to wait for your new renovation to start when you can take advantage of our no interest long term finance for up to 18 months! Ask our team about interest-free finance to see if you qualify. Ask about our extended finance deals as they change each month. We recommend any outstanding balances are paid off before any interest free periods end.

*Lending criteria, fees, terms and conditions apply. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

What is it?

couple reviewing renovation finance options together with a credit card in hand

 

Take advantage of Flexible payment offers. 18 Months Interest Free offer on purchases over $20,000 or 12 Months Interest Free for sales over $10,000 or 6 Months Interest free for sales over $985

Terms and Fees

What is interest free?

calculator on a budgeting spreadsheet used to plan renovation finance

 

Interest free lets you renovate your home and pay for it over time. Minimum monthly payments of 3% of your adjusted closing balance, or $10 (whichever is greater), are required, and the full balance if it is under $10. If a payment holiday applies to your purchase, no payments are required during that period; your Q sales voucher will confirm.

Click here for full terms.

Who can use it?

Q Card Long Term Finance Mastercard used for renovation finance

 

If you already have a Q Mastercard, you may be eligible for 18 Months Interest-Free on full priced renovation projects, $20,000 or over, subject to credit approval and your available credit limit. Applications are assessed online up to $50,000. If your project needs more than that, talk to our team and we will arrange a manual review with Q. You’ll need to let the team know at time of booking so we know you want this service when you book your on-site consultation.

If you are not a Q Cardholder you can apply online, using the link below. You will be charged an account fee if your application is approved.

Q Card Long Term Finance Mastercard with apply now branding

How Does It Work?

Q Mastercard has made it easy for our clients to apply and get approved. Renovate Now, Pay Later.

Step One
Complete Application Form
You’ll be sent a link to complete the Q Mastercard application to see if you qualify for the amount you’re requesting.
Step Two
Get Approved
Applications up to $15,000 are usually assessed automatically from your credit file. Above $15,000, the Q Mastercard team will contact you directly. Timeframes vary depending on your application.
Step Three
Ready to Renovate
Once you’ve receive the approval and have approved the project, we’ll take care of the rest!
Step Four
Project Underway
We’ll drawdown funds from the approved amount according to your project payment structure at each stage.
Step Five
Project Completion & Sign Off
Once the project is completed and signed off, final balance is processed by our accounts department.
Final Step
Term Begins
Each drawdown starts its own interest-free term on the date it is processed, so your first drawdown term ends before your final one. Q sends a sales voucher for each drawdown showing its start date and term. Minimum monthly payments of 3% of your adjusted closing balance, or $10 (whichever is greater), are required, unless a payment holiday applies to your purchase.

“Applying for my Q Card was so easy, the hardest part was deciding where to renovate first! And knowing I have 18 months to pay it off made it even better!”

Jeff Whitaker, Auckland

Frequently Asked Questions

Common Questions About Our Interest-Free Finance Offer

What fees will I get charged when I apply for Q?

If your application is approved, an annual account fee of $50 applies. An establishment fee of $55 is charged when you open your account in-store and use long-term finance (such as our 18 Months Interest-Free Offer), or a $35 Advance fee applies for Existing Cardholders.

If I need help completing the form online, who can I call?

Please call the Q Mastercard Customer Support team on 0800 119 100

What is the difference between Q Card and Q Mastercard?

You can't actually apply for a Q Card anymore. The fabulous team at Q have combined all the best bits of Q Card and Mastercard to create Q Mastercard. When you have an approved Q Mastercard, you'll get access to the long-term finance.

What if I am applying for less than $15,000?

Applications up to $15,000 are usually assessed automatically from your credit file, so you will normally hear back quickly. Timeframes vary depending on your application.

What if I am applying for more than $15,000?

The Q Mastercard team will contact you directly to complete your application. No extra documents are needed unless their lending team asks for them, and you can reply to their message with anything they need.

What does the payment plan look like?

Here's a snapshot of what it would look like if you renovated with us (with a Project Value of $18,500) on a 6 & 18 month term interest-free finance

6 Months

$715.57/ per week
  • Renovation Cost – $18,500
  • Annual Account Fee – $50
    Annual Account Fee Applies
    ($25 applied on opening and every six months thereafter)
  • New Cardholder Fee – $55
    $35 for Existing Cardholders

  • Total Paid: $18,605

     

18 Months (Most Popular)

$238.84/ per week
  • Renovation Cost – $18,500
  • Annual Account Fee – $50 Annual Account Fee Applies
    $25 applied on opening and every six months thereafter
  • New Cardholder Fee – $55
    $35 for Existing Cardholders

  • Total Paid: $18,630

     

Please note: Minimum monthly payments of 3% of your adjusted closing balance, or $10 (whichever is greater), are required, and the full balance if it is under $10. If a payment holiday applies to your purchase, no payments are required during that period; your Q sales voucher will confirm. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. The annual account fee is not part of the interest free offer: it has an interest free period of up to 55 days from each charge and forms part of your minimum payment, so standard interest applies to it if it is not paid within that time.

The figures above are an example only, calculated from the fees shown above. Rates, fees, terms and conditions are subject to change at any time by Q. Please refer to Terms and Fees on Q’s website for up to date information.

a4f26d58 123f 4ac1 87b4 f5e721f34967 large - Superior Renovations

LETS GET STARTED - You'll need around five minutes

Want to see if you qualify? Fill in your details below to be taken to the application page - there's no obligation to proceed or renovate.

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    Please note: Lending criteria, fees, terms and conditions apply.

    Terms and Conditions

    Things to know

    • 18 months interest-free is available on Q Mastercard® and Q Card Flexi Payment Purchases for full price renovation projects only.
    • Offer is ongoing.
    • Minimum purchase $985
    • Offer available to only Auckland clients.
    • Applications are assessed online up to $50,000. If your project needs more than that, talk to our team and we will arrange a manual review with Q.
    • A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
    • A $50 Annual Account fee applies.
    • Minimum monthly payments of 3% of your adjusted closing balance, or $10 (whichever is greater), are required, and the full balance if it is under $10. If a payment holiday applies to your purchase, no payments are required during that period; your Q sales voucher will confirm.
    • Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. The annual account fee is not part of the interest free offer: it has an interest free period of up to 55 days from each charge and forms part of your minimum payment, so standard interest applies to it if it is not paid within that time.
    • Standard interest rate, currently 28.95% pa, applies to any outstanding balance at the end of the interest free period.
    • Lending criteria, fees, terms and conditions apply.
    • Rate and fees are correct at the time of publication but are subject to change.
    • Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
    • 18 months interest-free with Q cannot be used with Afterpay.
    • Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated

    Fees last verified against Q Mastercard: 18 Aug 2026

    Alley Williams
    We have always loved working with Superior renovations and in particular Kevin. We felt like we were getting special one-on-one treatment at all hours of the day. They always produce their work super quick and to a good standard.
    Charlie Kim
    We added a new bathroom and upgraded the rumpus.
    Superior Renovations offered a reasonable price and delivered professional services and work.
    We recommend Superior Renovations for the house renovation.
    Emily Zhu
    This is our final and exceptionally positive review for Superior Renovations. First and foremost, we must emphasize that they are outstanding!

    Superior Renovations has completed a comprehensive renovation of our entire house, both externally and internally, including the kitchen, bathroom, painting, carpeting, electronic gate, and more. Throughout the various projects over the past few months, we have been thoroughly impressed by their work and are delighted with the results. Their expertise and service continue to amaze us; they truly listen to our needs and engage in discussions whenever they believe improvements can be made.

    We extend our gratitude to Cici, who not only served as the sales manager but also as the designer, transforming our kitchen from an early 2000s style to a modern and stylish new one. Neil, our project manager, worked with us daily, attending to every detail and going the extra mile to help us achieve an excellent result.

    From the very first day of collaboration, we encountered no issues whatsoever, whether in communication, design discussions, or the execution by the on-site teams. We highly recommend Superior Renovations to anyone considering home renovation. Contacting them will reveal why we are so pleased with their work on our home.

    David and Emily
    Val Hepburn
    SUPERIOR RENOVATIONS
    Renovations on one full bathroom and one small ensuite at my home in Sunnynook, Auckland, were completed on 26th June 2026.
    I am fully satisfied with the work done at my home by all workers and contractors and delighted with the results that I am now enjoying. All work is of a very high standard and attention to care leading to excellent results.
    All staff of Superior Renovations and associated contractors were at all times helpful and happy to explain all aspects of their work and respectful in listening to any of my concerns or questions, with any changes where necessary being quickly and effectively carried out.
    I have no hesitation in recommending Superior Renovations as your choice for any bathroom renovation.

    Valerie Hepburn
    4 Stoneleigh Court, Auckland
    min wang
    In early June, I hired Superior Renovation company to thoroughly renovate our two bathrooms. The project has now been completed and we are very satisfied. Thank you sincerely, and we highly recommend it.
    Ben Addison
    Despite some delays, Eunice, Neil and the team at Little Giants have done a really good job on out kitchen renovation. Great finishing and very responsive to fixing up any little thing we weren't happy with.

    Good work team!
    Veronica Gardonis
    ​From the very first consultation, our experience with this team has been nothing short of stellar.
    ​
    ​Working with Eunice, our sales consultant, set a high bar for the rest of the project.
    Eunice is truly exceptional at what she does. When we first began our kitchen project, we went through several versions of our floor plan, and she was with us every step of the way—from the initial planning stages right through to the final concept. Her patience and dedication during the design process were remarkable.
    Throughout the project, Eunice provided:
    * **Invaluable Suggestions:** She has a keen eye for both aesthetics and functionality, pointing out details we never would have considered on our own.
    * **Seamless Adjustments:** No matter how many tweaks we requested, she handled every change with professionalism and a "can-do" attitude.
    * **Expert Guidance:** She transformed our vague ideas into a cohesive, stunning reality.
    ​
    ​Once the planning was complete, Neil, our project manager, took the reins and truly blew us away. Neil is a consummate professional who balances technical expertise with fantastic communication.
    ​ He kept us informed at every stage, ensuring we knew exactly what to expect and when.
    Whenever a minor pivot was needed, Neil handled it with grace and efficiency, keeping the timeline on track.
    His standards for the renovation work were incredibly high, ensuring the final result was polished and beautiful.
    ​
    ​The transition from Eunice’s initial planning to Neil’s execution was flawless. If you are looking for a team that combines design expertise with top-tier project management, look no further. We are absolutely thrilled with our new kitchen and new flooring !
    Rob Ducker
    Superior Renovations has just finished a complete remodel of my bathroom. I can see, why the company has such a high reputation. At every stage, from sales, design, project management, and execution, the company excelled at every point. I am just so happy with the work that they have done and they have exceeded my expectations at every point.
    Mark Whelan
    Used Superior for a kitchen and bathroom renovation last year. They did an excellent job updating both rooms, communication was excellent ongoing tjrough the project, they coordinated all the tradies, synchronized so there was little downtime, and it all worked exactly as planned and on budget. Was really glad we chose Superior Renovations and plan to use again for our entrance way at some stage.
    Libby Campion
    As I said to my work colleagues ‘I have just had the most pleasant experience’. When they realised it was with renovations at home they were shocked - ‘unheard of’ I was told.
    Everything went to plan - timing, project management, costs, etc, etc. Neil communicated with me daily and made my whole bathroom renovation a pleasure.
    The best decision I made was choosing Superior Renovations.
    Thank you Kevin for our initial connection and for passing me on to Neil to manage the whole process.
    Jason Cho
    We just finished a bathroom renovation and couldn’t be happier with the results. The craftsmanship is top-notch, and the attention to detail in the tiling and finishing is impressive. The team was professional, kept the workspace clean, and delivered exactly what we envisioned. Highly recommend them for anyone looking for a high-quality transformation.
    Sue B
    Superior did an excellent job of renovating our ensuite. Project manager Jacob was easy to work with and communications were good.
    davidee wang
    This is our second review for Superior Renovations. They have done two projects earlier this year and we were so impressed by the work they have finished. After discussing and very careful consideration, we decided to go with more projects with them. So far, they have now completed stage 1 renovation of our house. We still amazed for their knowledge and services; they really listen to us and discuss anything with us if they feel/think could be better…
    From the first day we work with them, we have no issue with them at all, from communication, discussing, designing to the teams working on the site.
    Especially we are highly recommended to those who are considering doing the house renovation, please contact them and you will know why we are so pleased to have them to do our house renovation.
    We are thanking Cici, Neil and the teams so much….
    We are looking forward to seeing what the outcome will be.

    David and Emily
    Spencer Aung
    We recently had our bathroom renovated by Superior Renovations and couldn’t be happier with the experience. Dorothy and Neil were an absolute pleasure to work with. They guided us through every step of the process, making what can be a stressful experience feel smooth and straightforward.
    The quoting process was transparent and detailed, with no hidden fees or surprises. Neil was incredibly responsive and always available whenever we had questions or requests, which gave us real peace of mind throughout the project. We really love the end result and enjoy our new bathroom!
    We’ll definitely be returning to the Superior Reno team for our next project. Highly recommended!
    LCB
    Our bathroom reno has just been completed & I am so happy. The whole process was easy & hassle free. Alison designed our bathroom & was very patient with our changes/then changes back again. Jacob our project manager was a delight to deal with. He always kept us informed of the scheduling & any other information we may have needed. All the tradies worked hard & the job was completed & signed off within 3 weeks. That's demo, full tiling, installation of new everything & delivery & pick up of the skip down a very tricky driveway. We absolutely love the new bathroom & would recommend Superior Renovations everyday. Future jobs I will definitely be contacting them again. Thank so much for your excellent work
    Wendy McLaughlin
    Having explored our reno options, it was an easy decision to select Superior Renovations for our work. As first timers at anything like this we had to trust the system with grand old 100year old bungalow. We were so pleased to have Cici, Sonny and Kai working with us the whole way through. Be shout out to all the team, builders, plumbers, electricians, tilers and painters. A superb job delivered on budget and ahead of time. The communication from Cici and Sonny was first class. Would highly recommend working with Superior Renovations in fact, we already have more worked booked in. Thanks Superior you made Millie and Monty's parents very happy. 🐾
    Irene Yap
    I am very happy with the recent renovation for my new kitchen.
    The team worked really hard to get it done within the time frame.
    The manager, Jacob, was very helpful and communicated well and always sorts out any issue immediately.
    Thank you Irene
    Jesse Gregorio
    We couldn’t be happier with our new pergola! From start to finish, the team was professional, punctual, and easy to work with. They took the time to listen to what we wanted and offered great suggestions to make the design even better. The quality of the materials and workmanship is outstanding — everything feels solid, well-built, and beautifully finished. Kudos to Sinan Sun as she has been an amazing contact with the company.
    Alex Scott
    We are very pleased with our bathroom reno by Superior Renovations! Jacob, Cici and the team always kept us up to date, were always friendly to deal with and finished ahead of schedule. Most importantly we are very happy with the quality of the work.
    Simon Redpath
    We have been working with Superior Renovations as a supplier now for over three years. In that time we have found the team to be very professional and well organised. Which is a welcome relief in this industry! Just recently we have become their sole supplier for portaloos, which recognises the collaboration we have forged over these three years.

    In particular, Leanne and Elaine set a very high standard of communication and flexibility. This is of vital importance when scheduling deliveries and pickups with us, however, they understand not everything can be done at once and are willing to work with us for the best (supplier/contractor/client) outcome.

    I would imagine this ethos would flow directly through to all their contracted renovation work. A pleasure to work with!
    Alex Li
    A very reliable supplier – we’ve been working with them for three years now, and they have never let us down. Well done to the team.
    Sam McCool
    We have been working with these guys for the past 4 years and find them an awesome company to work with, very efficient and organised. I highly recommend!
    Word True
    Finding someone reliable for renovations has always been the most stressful thing for us. In the past, we had several painful renovation experiences—money was spent but the problems were never truly solved, and things often ended up worse than before. We really didn’t know where to find a trustworthy renovation company.

    For more than ten years, our wish had been to renovate our bathroom, laundry, and toilet, so that we could finally enjoy a comfortable and functional living environment. Just when we were about to give up, we came across Superior Renovations online. We quickly made an appointment with Cici, who designed and provided us with a quote.

    Throughout the whole process, I was deeply impressed by the professionalism of Superior Renovations. What stood out most was that they always delivered on their promises—everything agreed upon was completed on time. This built a relationship of trust and reliability. Up until completion, I was completely satisfied with their dedication and the quality of their workmanship.

    During the renovation, we encountered some of the challenges that often come with older houses, but Cici and her team helped us resolve the discomforts we had been living with for years. We are truly grateful to the construction team.

    Some say renovations are easy if you just have money, but I believe the most important thing is finding a trustworthy team that keeps their word, values quality, and cares about the customer’s experience.

    Because of this renovation experience, we can now confidently plan our next project—the kitchen—and Superior Renovations will definitely be our first choice. We strongly recommend them.

    Finally, I want to thank Cici and the team for helping us fulfill our dream.

    Mark ＆ Kate
    Jane Wright
    Sinan is a very good consultant. She helps a lot during renovation. Very satisfied with their job.
    Clara Ng
    It was great to have Alison's recommendations and input on how & what would look best for our kitchen and bathroom reno. Jacob, our project manager, has been a star too; ensuring that the project was delivered as planned, AND giving us great ideas & suggestions along the way.

    We will definitely be calling on you guys again for our next home reno. Thanks team!