Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Whether it’s an exam you need, a simple filling, dental implants, or a full mouth makeover – use your Q card to smile now, pay later with 30 months Interest Free*
Wherever you are, you won’t be too far from a Lumino practice. We have general and specialist practices from Kaitaia in the north to Invercargill in the south – and pretty much everywhere in between.
Click here to find your nearest practice
Minimum Spend $300
Nobody move a muscle!
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Apply here and shop once you receive your Card (within 10 business days).
Apply in-store and if you are approved, make a purchase today, then we'll send you your Card.
Offering Q Card as a payment method lets holders buy what they want from your store with a bit of extra 'breathing space' for payment.
*30 months interest free is available on Long Term Finance (LTF) for in-store purchases only. Min spend $999. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
