Terms & Conditions

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18 Months Interest-Free With Q Mastercard® & Q Card

    1. 18 months interest-free is available on Q Mastercard® and Q Card Flexi Payment Plans & Purchases for in-store purchases only at participating practices.
    2. Offer is ongoing.
    3. Minimum purchase $300 on a full priced dental treatment.
    4. Offer available at participating practices only.
    5. 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.
    6. A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
    7. A $50 Annual Account fee applies.
    8. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
    9. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period.
    10. Standard interest rate, currently 25.99% pa, applies to any outstanding balance at the end of the of the interest free period.
    11. Lending criteria, fees, terms and conditions apply.
    12. Rate and fees are correct at the time of publication but are subject to change.
    13. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Afterpay

    1. Afterpay allows you to pay for your purchase over 4 instalments due every 2 weeks.
    2. You must be over 18 years old and be the authorised holder of an eligible debit/credit card to apply.
    3. 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.
    4. 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.
    5. 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.
    6. 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.

Southern Cross & Easy-claim

    1. Half-price exam and x-rays are only available to new patients.
    2. Participating practices only and appointments are subject to availability.
    3. Offer cannot be used in conjunction with any other offer.
    4. Full payment is due at the time of appointment.
    5. 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.
    6. Discount will not be applied retrospectively and there are no exceptions to this condition.

SuperGold Card

    1. This offer applies to New Zealand residents only, at participating Lumino practices.
    2. This cannot be used in conjunction with any other offer.
    3. Appointments are subject to availability.
    4. Full payment is due at the time of appointment.
    5. 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.
    6. 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.
    7. Discount will not be applied retrospectively and there are no exceptions to this condition.

30 Month Interest Free With Q

    1. 30 months interest free is available on Q Mastercard® and Q Card Flexi Payment Plans & Purchases for in-store purchases only at participating practices.
    2. Offer valid from 01 May 2022 to 30 September 2022.
    3. Offer​ is not available at Kidz Teeth, Hodgson and Muir Orthodontists​, Harish Lala Endodontist, Max and Beresford, Oral Surgery Associates, Bay Orthodontics, ​Courtney Orthodontics, Wellington Oral Surgery, Wellington Ortho, Nelson Prosthodontics, Christchurch Oral and Maxillofacial Surgery Centre, Ilam Orthodontics, Orthodontix, RJ Begg and Associates, Kieran O'Neil Orthodontics, Lumino Mobile Clinics.
    4. Minimum purchase $300 on a full priced dental treatment.
    5. A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
    6. A $50 Annual Account fee applies.
    7. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
    8. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period.
    9. Standard interest rate, currently 25.99% pa, applies to any outstanding balance at the end of the of the interest free period.
    10. Lending criteria, fees, terms and conditions apply.
    11. Rate and fees are correct at the time of publication but are subject to change.
    12. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
    13. Flexigroup reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.
    14. This offer is only available on full price treatment – ie it can’t be combined with any other discount like Southern Cross or corporate discounts.

Free Veneers Consultation, & 30 months interest free

    1. Veneers Free Consultation, and QCard 30 Months Interest Free* offer is valid from Monday, 2 May 2022 6.00am, to Thursday, 30th June 2022 5.00pm.
    2. Veneers Free Consultation appointment booking will need to be completed between Monday, 2 May 2022 6.00am and Sunday, 31st July 2022 5.00pm.
    3. QCard 30 Months Interest Free*and Free Consultation offer applies to Veneers, but also can be used for alternative dental related treatments.
    4. Free consultation appointment duration will vary from practice to practice.
    5. QCard finance 30 Months Interest Free* eligible to New Zealand citizen and permanent residents only
    6. QCard finance 30 Months Interest Free further terms and conditions apply*.
    7. Offer is only available at the following Lumino Dentists; Auckland Central, Christchurch City, Gentle Dentist, Henderson, Mt Eden, North Avon, Rangiora, White Smile
    8. Appointment availability may be limited.

*$55 Establishment Fee (first LTF transaction) or $35 Advance Fee (subsequent LTF transactions) applies. 25.99% p.a. interest rate applies after interest free period. $50 Annual Account Fee applies.  Lending Criteria, fees, t&c’s apply, see lumino.co.nz/payments for more.