Q Card Interest-Free Finance

Financial Strain? Q can help

For treatments over $300, Q Card or Q Mastercard might be a great option for you.


With 18 months Interest-Free payments. You don’t need to hold back on treatment you need but can’t afford right away.


Easy online application, apply in minutes!


Apply online now.

Am I eligible for Q Card/Q Mastercard?

You need to be over 18 years of age, have a valid photo identification, and be living in New Zealand.

Q Card/Q Mastercard FAQs

Please let our friendly team know ahead of time, you will need to apply for Q Card or Q Mastercard prior to your appointment.


It’s easy to apply online and it only takes a few minutes!

When your application for 18 months interest-free on your treatment is approved, an annual account fee of $50 is applied.


For first time Q Card users, you will be charged a $55 establishment fee when you use long-term finance (18 months interest-free).


For existing Q Card holders, you will be charged a $35 advance fee.


Following the charges above, there are no additional fees or interest.

You will need valid photo identification such as a New Zealand Drivers License or a New Zealand Passport or any Nationality Passport with a valid New Zealand Residency Visa.


You will also need to supply proof of your address such as a utility bill, bank statement, etc.

Just call our lovely staff at the front desk of your preferred practice to help you prior to your appointment day or call the Q Card support desk at 0800 119 100.

You can find more Frequently Asked Questions answered here.