Pricing & Offers

3 Smart Ways To Pay

Been waiting to get your best smile? Our practices have officially re-opened and we're excited to see you again.

We're here for you and we want to make it easier for you to look after your oral health without stressing about the cost. With our 3 Smart Ways to Pay, we've got you covered. 

24 Months Interest Free with Q

About the offer

Our 24 Months Interest Free with Q Offer is available on full priced dental treatments $300 or more. With monthly payments of just 3% of your balance total from the first month, it's much easier to get treatment when you need it. Any Q Mastercard® or Q Card holder can take up this offer.

With a wide range of treatments from cosmetic to leading edge and general dentistry, we’ve got you covered. This interest free offer is available at participating practices from 16 March 2020 until 30 September 2020. You will need to let the practice know you want to take up this offer when you book in.

How to use it

Once you've decided on the treatment you would like to use our 24 Months Interest Free with Q Offer on, let your participating Lumino practice know. The treatment must be over $300 for you to use this offer.

If you are not a Q Mastercard or Q Card holder you can register online. Please note, you will be charged an account fee if your application is approved.

Find a participating 24 Months Interest Free with Q practice

Lumino Dental Plan

From less than $1 a day*

About the plan

The Lumino Dental Plan saves you money from the start. Sign up to the plan and each year you get three discounted treatments:

You also get 10% discount* off additional dental treatments, such as fillings, teeth whitening, and much more.

Plus, research shows you will spend less in the long run^ on your oral health, due to the benefits of regular maintenance and prevention.

How to use it

The Lumino Dental Plan is available at participating Lumino practices. You can join in practice or sign up online and you will be all set in just a few minutes!

Find a participating Lumino Dental Plan practice


About the offer

Afterpay allows you to get dental treatment and pay for it in four equal fortnightly payments.

You can spread out the cost of your treatment with no added interest and no additional fees.

Afterpay is available on a range of dental treatments from emergency treatments, hygiene treatments, exam and x-rays check-ups, whitening and fillings, implants, tooth extractions and even electric toothbrushes.  Sign up to Afterpay via the mobile app  for instant online approval!

How to use it

You can use Afterpay at participating Lumino practices. Once you’ve signed up via the mobile app or online, you can present your Afterpay barcode at reception for any transactions. It’s that simple!

Find a participating Afterpay practice


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 in-store and use Long Term Finance (such as the 24 Months Interest Free Offer). Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

Learn more about Q Card  Fees & Charges

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

You can apply for a Q Mastercard by visiting, or apply at one of our selected Lumino practices.

Once you are in practice our friendly reception staff will guide you on how you can apply for your Q Mastercard online.

When you apply for a Q Mastercard you will need an accepted form of photo identification,  such as a driver's licence or a 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 will need to make monthly payments (3% of your balance total) from the first month.

You can sign up to Afterpay online or on the mobile app. If you sign up using the mobile app you’ll get instant online approval and can present the barcode to reception when you visit the dentist.

Find out more details on how to sign up.

Once you sign up to Afterpay you’ll be able to use it as a payment option at participating practices. The overall treatment cost is split into 4 equal amounts which you’ll be due to pay every two weeks. You can get the full treatment completed before the full payment is made.

With Afterpay, payments are due every two weeks in four equal installments. If you make repayments on time, you’ll only ever pay the price of the item you’ve purchased. The only fees Afterpay charges are late fees for missed payments.

Explore frequently asked questions for the Lumino Dental Plan here, including the benefits of joining the plan and more about how to sign up and manage your plan and subscription payments online.

See the full FAQS for the Lumino Dental Plan