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Treatment costs and payment options

Up to18 months interest free* finance option with Q Card

Take baby steps with us this month...
Helpful tools
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Flexible payment options available with a Q Card


Having a baby is not always easy, and with today’s extra pressures, it can be a real balancing act. At Fertility Associates we have different plans depending on your age and stage in life, and timing is everything.

You might be single and wanting to have a baby in the future, or you may have been trying for a while. Whatever your situation, taking your first steps is the best thing you can do.

Q Card are offering your choice of 12 or 18 months interest free* to help our patients access treatment on your timeframe, when you need it.

Contact your local clinic for more details or email our payments team: accounts@fa.co.nz

##Important: all Q Card transactions must be paid in person at the clinic - and cannot be paid using the online payment form. 

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Lending criteria

Lending criteria, fees, T&Cs apply (see below).


This offer is available to anyone with

  • Q Card
  • Q Mastercard
  • Flight Centre Mastercard
  • Farmers Mastercard

Don't have a card? You can apply online at www.qmastercard.co.nz. Applications take 10 minutes and you'll get a decision straight away. 

*12 or 18 months interest free is available on Long Term Finance (LTF) for in-store purchases only until further notice. Min spend $200. Lending criteria, $50 annual Account Fee, fees, T&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 or Q Card Standard Interest Rate applies at the end of LTF Interest Free Period. 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 T&Cs at any time without notice. See Q Card website for full details.


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How to apply

Find out more or apply:

Click here to visit the Q Mastercard website and apply

Q Mastercard is a product of humm-group with no affiliation to Fertility Associates.

For more information contact your clinic team.

More About Q Card

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Book a free 15 minute phone consultation with one of our expert fertility nurses.

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The Biological Clock

This tool indicates:

  • Natural conception per month if you have no fertility issues
  • IVF success rate at the same age
  • When to seek help after months of unsuccessful attempts

If you are concerned at any stage – we recommend booking a doctor appointment or a free nurse consultation. The sooner you make a plan the better your chances in the long term.

When to seek advice early
  • If you have polycystic ovaries, endometriosis, or have been through a cancer diagnosis; we recommend you get in touch quickly so we can talk you through all your options and give you the greatest possible chance of success.
  • If you’re a single woman considering motherhood in the future; it’s best to approach us early and consider egg freezing as this can be an option for you while you have a higher ovarian reserve and healthier eggs.
Set your age and the months you’ve been trying to conceive
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Your chance of having a baby per month for fertile couples
Your chance of having a baby per IVF cycle (if experiencing infertility)

Body Mass Index calculator

Being overweight or underweight can reduce fertility, so it is important to keep your body weight within the normal healthy range.

Body Mass Index (BMI) is an indication of your body weight and can be calculated by dividing weight by height. You should aim for a BMI of between 20 and 25, as this will optimise your chances of conception.

Woman’s BMI below 19

Even in these modern times, nature knows best. If a woman's BMI falls below 19, the body senses famine and ovulation is switched off to prevent the risk of having a baby with malnutrition. Excessive exercise can reduce body fat and increase muscle mass to a point where periods cease for the same reason. Risk of miscarriage is also increased in women with a low BMI.

Being underweight

If a woman's BMI falls below 19, the body senses famine and ovulation is switched off to prevent the risk of having a baby with malnutrition. Excessive exercise can reduce body fat and increase muscle mass to a point where periods cease for the same reason. Risk of miscarriage is also increased in women with a low BMI.

BMI’s greater than 30

This can reduce fertility by 50%. Pregnancy for women with a 30+ BMI is often associated with problems such as maternal diabetes, high blood pressure, big babies and increased risk of caesarean section.

Add your height and weight to calculate your BMI
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