Lumino The Dentists

Lumino the Dentists

Save time and book online with instant confirmation at over 80 Lumino practices across NZ.



18 Months No Payments & No Interest⁺

No Payments & No Interest for 18 months with Q Card*

18 months No Payments and No Interest+

On full priced dental treatments $300 and over with Q at participating practices. Offer is ongoing.

With a range of treatments from cosmetic to leading edge and general dentistry, Lumino The Dentists has you covered.

At Lumino, we're offering you the opportunity to take advantage of this amazing 18 months no payments and no interest+ on full priced treatments $300 and over, at participating practices. So act now and request your appointment HERE!!

Offer not available at Oral Surgery Associates Auckland and Ilam Orthodontics and Dentists on Merivale Christchurch. Lending criteria, $50 annual account fee, $55 establishment fee or $35 advance fee, terms and conditions apply. 


Q Mastercard Pre-Approved Finance+No payments and no interest for 18 months (“Payment Holiday”) is available on Flexi Payment Plans in-store for full priced treatments $300 & over. Offer is not available at Healy Dental, Oral Surgery Associates, Auckland and IIam Orthodontics, Dentists on Merivale, Christchurch, Frankton Dental and Smile Centre Hastings. Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Offer is ongoing. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.  MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.


How do I apply for a Q Mastercard, so I can get 18 months no payments and no interest+?

If you don't already have a card:

- In the practice: 
Complete a Q Mastercard application form in our waiting area and hand this form back to reception along with your current NZ Drivers Licence. We will process this application and advise you of the outcome.
- At home: Apply at home via (click on 'offers' from our homepage). If approved simply take your current New Zealand drivers licence into Lumino so we can process the transaction.

Current Q Cardholders:
- Simply present your Q MasterCard o
r Q Card to us at reception and we will process your transaction.

What fees do I get charged when I apply?

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 18 months no payments no interest) For more information about Q MasterCard Fees, visit

If I need help completing the form online, who can I call?
Please call the Q MasterCard Customer Support line 0800-119-100