Pricing & Offers

18 Months No Payments No Interest With Q

Been putting off getting dental treatment? Get it sorted now, with our 18 Months No Payments No Interest With Q Offer. You can’t help but smile when you can pay later.

For dental treatments over $300, our 18 Months No Payments No Interest 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 No Payments No Interest 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 no payments & no interest 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.

Apply for your Q Mastercard® online

It's easy to apply for a Q Card® or Q Mastercard®online! It only takes a few minutes.

Plus you can still book your appointment without having to wait for your card!

Apply for a Q Mastercard®

Have questions?

If your application is approved, an annual account fee of $50 applies. $25 is applied to your account upon opening and every 6 months after that. An establishment fee of $55 is charged when you open your account in-store and use long-term finance (such as our 18 Months No Payments No Interest Offer).

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

  • No payments and no interest for 18 months (“Payment Holiday”) is available on Q Mastercard® and Q Card® Flexi Payment Plans 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 Hutt City Dental Centre, Viva Dental, Ferrymead Dental Centre, Genesis Dental Centre Epsom, Oral Surgery Associates Auckland, Orthodontix Christchurch, IIam Orthodontics, Dentistry on Merivale - Christchurch, Christchurch Oral and Maxillofacial Surgery Centre, Nelson Prosthodontics, Kieren O'Neill Orthodontics, Hodgson and Muir, RJ Begg and Associates, Wellington Oral Surgery, Wellington Orthodontic Associates, Lumino Mobile Clinics, Frankton Dental and Coastlands Dental.
  • A $50 Annual Account fee applies.
  • A $55 Establishment fee applies for New Cardholders.
  • A $35 Advance fee applies for Existing Cardholders.
  • The Standard interest rate, currently 25.99% pa, applies to any outstanding balance at the end of the of the Payment Holiday.
  • 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.