An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the interest free period. Lending criteria, $50 annual account fee, fees, terms and conditions apply.

24 months Interest Free* @ Lumino the Dentists


On full priced dental treatments at participating practices.

Minimum Spend $300




It`s BIG October!

Check out our extended Interest Free deals across a range of retailers but be quick, they`re only available throughout October!


Take the first step to a better smile with 24 Months Interest Free^ when you use your Q Card.


Offer valid on full priced dental treatments at participating practices until further notice.  Minimum spend $499


Whether it's an exam you need, a simple filling, dental implants, or a full mouth makeover, save time & book online with instant confirmation at over 120 Lumino Practices across NZ.


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.


Now that’s an offer worth smiling for!

Call 0508 LUMINO (0508 586 466) or find a participating practice to book your appointment online.






Don't have a Card?

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.



Things you should know: 

*24 months interest free is available on Long Term Finance (LTF) for in-store purchases only until  31 October 2021. Minimum spend $300. Lending Criteria, $50 Annual Account fee, Fees, Ts&Cs apply. An Establishment fee of $55 (first LTF transaction) or a $35 Advance fee (subsequent LTF transactions) 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 25.99% p.a applies to any outstanding balance at end of interest free period. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services limited or Consumer Finance Limited (as applicable) reserves the right to amend, suspend or terminate this offer and these terms and conditions at any time without notice.








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