Pricing & Offers

18 Months Interest Free With Q

Been putting off getting dental treatment? With our 18 Months Interest Free With Q Offer, you can smile more and stress less.

For dental treatments over $300, our 18 Months Interest Free With Q Offer is an excellent option if you're feeling stressed about getting overdue or much-needed dental work done.

View full terms and conditions.

What it is

You can take advantage of our 18 Months Interest Free With Q Offer at participating practices, New Zealand wide.

This offer is ongoing and is available on all full priced dental treatments, $300 or more when you pay using Q Mastercard® or Q Card.

View full terms and conditions.

Who can use it

Any Q Mastercard or Q Card holder is entitled to 18 Months Interest Free on full priced dental treatments, $300 or over at participating practices. You’ll need to let the practice know you want this service when you book an appointment.

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

Have questions?

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.

Learn more about fees and charges

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

You can apply online at or you can apply at your preferred practice, when you decide to finance your dental treatment with long-term finance with Q. 

When you apply for a Q Mastercard you will need an accepted form of photo identification such as a drivers licence or New Zealand passport. You will also need proof of your address, details of your income and financial details, your mobile number and email address and contact details for a friend or relative that doesn’t live with you.

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 long-term finance offers and deals and participating retailers around the country, not just at Lumino The Dentists!

Terms & Conditions

  • 18 months interest-free is available on Q Mastercard® and Q Card Flexi Payment Plans & Purchases for in-store purchases only at participating practices.
  • Offer is ongoing.
  • Minimum purchase $300 on a full priced dental treatment.
  • Offer available at participating practices only.
  • Offer is not available at Ferrymead Dental Centre, Bay Orthodontics, Christchurch Oral and Maxillofacial Surgery Centre, Kerry Hamilton Dental Surgery, Kieran O'neill Orthodontics, Viva Dental, Wellington Orthodontic Associates, Hodgson and Muir Orthodontists, Hutt City Dental Centre, Ilam Orthodontics, Nelson Prosthodontics, RJ Begg & Associates, Lumino Mobile Clinics.
  • A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
  • A $50 Annual Account fee applies.
  • Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout 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, currently 28.50% pa, applies to any outstanding balance at the end of the 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.