Pricing & Offers

30 Months Interest Free with Q Offer

Don't put off treatment, put off paying for it! Our 30 Months Interest Free with Q offer will help you get sorted without the stress.

With 30 Months Interest Free with Q, you can get the treatment you want now without worrying about paying the full cost upfront.

This great offer is available for full priced dental treatments $300 or more - it's your very first step to a better smile. Our dentists have looked after the smiles of thousands of Kiwis just like you. And with leading-edge dentistry and practices throughout New Zealand, we've got you covered.

So what are you waiting for? Find a practice and book in today!


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 28.50% 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 number on 0800 119 100.

You can apply for a QMastercard® 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 QMastercard 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.

Terms & Conditions

  • 30 months interest free* is available on Q Mastercard® and Q Card Flexi Payment Plans & Purchases for in-store purchases only at participating practices.
  • Offer valid from Monday, 02 October 2023 to Sunday, 30 June 2024.
  • 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.
  • Minimum purchase $300 on a full priced dental treatment.
  • 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.
  • Flexigroup reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.