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 28.95% 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.

Afterpay allows you to pay for your purchase over 4 instalments due every 2 weeks.
You must be over 18 years old and be the authorised holder of an eligible debit/credit card to apply.
All orders are subject to Afterpay’s approval – for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, visit the Afterpay website.
As part of Afterpay’s approval process, they may conduct a pre-authorisation on your nominated card, up to an amount of your first instalment.
You can make repayments to Afterpay any time before the due date. Otherwise, Afterpay will automatically try process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.
For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less.

Half-price exam and x-rays are only available to new patients.
Participating practices only and appointments are subject to availability.
Offer cannot be used in conjunction with any other offer.
Full payment is due at the time of appointment.
You must identify yourself as a Southern Cross member by presenting your Member card, app or membership number at the time of service to receive the discount.
Discount will not be applied retrospectively and there are no exceptions to this condition.

This offer applies to New Zealand residents only, at participating Lumino practices.
This cannot be used in conjunction with any other offer.
Appointments are subject to availability.
Full payment is due at the time of appointment.
The onus is on the patient to identify themselves as a SuperGold Card Member, and not on the practice to ask the patient if they are a member.
The patient must identify themselves as a SuperGold Card Member at the time of service to receive the discount and must present their card at the time of payment.
Discount will not be applied retrospectively and there are no exceptions to this condition.

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, 31 December 2024.
Offer is not available at Ferrymead Dental Centre, Bay Orthodontics, 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 28.95% 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.

FREE Whitening Consultation offer is valid ONLY at selected practices.
This appointment is approximately 15minutes to determine patient’s suitability for whitening treatment and the type of treatment that is ideal.
Times and appointments maybe limited across practices.
Available bookings are only for a limited time.
Free consultation appointment duration and process will vary from practice to practice.

$499 Teeth Whitening Package is exclusively available at Lumino Auckland Central practice.
Offer includes exam and x-rays, standard hygiene treatment (scale/polish), impressions taken of your teeth and take-home whitening kit.
Suitability for hygiene treatment and whitening will be determined during exam by the dentist.
Take-home whitening kit includes mouth trays and 2 x tube syringes.
Offer is available for a limited time only.
Availability for appointment times may vary.
Appointment duration is approximately 1 hour.
Offer available to NEW Lumino patients only and exclusive email recipients who are signed up to the Lumino database.
This offer cannot be combined with any other pricing offer. Finance offers will be considered on an individual basis.
Fully payment is due at the time of service.