Payment options

Payment options available

Regardless of your level of treatment, our hassle-free systems will make accessing our services easier on your finances.

You can simply select the option that suits your financial situation or personal preference. Our flexibility ensures everyone is catered for, whether you favour a full upfront payment or systematic instalments. Our aim is to give you choices that overcome financial barriers to treatment.

Payment Options:

Preferred payment option

Our most popular option of payment for your cycle is for payment to be delayed until two days prior to the day of egg collection. On that day, an online claim is submitted to Medicare, resulting in rebates being paid within 3-5 business days.

Medicare Online claiming is available at all City Fertility clinics. This is a secure and convenient way to claim your rebate without having to visit a Medicare office.

To access this payment option, a credit card authorisation form must be completed prior to the commencement of the cycle.  This authorisation form gives City Fertility permission to deduct City Fertility fees two days prior to your egg collection.  The credit card must be valid and have a credit limit that covers the full cost of treatment.

This payment option is not available for Medicare-ineligible cycles.

Full up-front payment

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This option requires the full City Fertility fee to be paid up-front on or before the first day of your cycle starting. This method of payment is available for all cycle types and procedures. The first day that an online claim can be submitted to Medicare is on the day of egg collection.

Instalment payments

This payment option allows you to pay a designated amount on or before the first day of starting your cycle. The balance of your fees is payable on the day of egg collection and will be deducted from your nominated credit card.

To access this payment option, a credit card authorisation form must be completed prior to the commencement of the cycle.  This authorisation form gives City Fertility permission to deduct the remaining City Fertility fees on the day of egg collection.  If you wish to pay the remaining fee via a method other than credit card, please contact the clinic at least two days before egg collection to arrange it. Please check with patient services for the current designated instalment amount.

Direct debit/credit payment

This payment option allows patients to make a direct debit/credit into City Fertility‚Äôs bank account. If patients wish to use this option, full payment would need to be received into City Fertility‚Äôs bank account before egg collection.¬† If direct debit/credit were to be made after the commencement of the patient’s cycle a credit card authorisation form would need to be completed prior to or on the day of commencing the cycle as a form of security.¬† The credit card is not deducted unless payment is not received by the date of egg collection.

If paying via direct debit/credit it is vital that you put your Full Name in the description/reference section so we are able to allocate the payment to you.  We do not recommend a cash transfer through your local bank as often the reference section is not noted, making it difficult for us to identify you as the payee.  Please contact patient services for City Fertility’s bank account details.

The payment options listed above are only available for City Fertility fees and cannot be used to pay for external provider fees such as hospital, anaesthetist, pharmacy and specialist fees. If you have any questions or would like any further information, please do not hesitate to contact our friendly staff.

Payment Plans

Accessing Superannuation


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Pay for your IVF treatment using your superannuation

Superannuation can be used to pay for essential IVF Treatment under the ATO’s Compassionate Release of Superannuation program. SuperCare streamlines the application process that is required to access Superannuation to pay for IVF treatments and all out of pocket expenses including private hospital fees, travel and accommodation. SuperCare operates on a no-fee Рno approval basis.

SuperCare can facilitate the funding required for various treatments, including:

  • IVF
  • Donor Sperm
  • Donor Eggs
  • Egg Freezing
  • Endometriosis
  • Obstetrics and Gynaecology
  • Women‚Äôs Health
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Access My Super

Access My Super: Your solution for navigating the ATO’s Early Access to Super (ERS) application.

Let Access My Super Help You Access Your Superannuation Early for IVF and Fertility treatment funding, so you can focus on your journey ahead.

  • Easy and Hassle-Free Service: Their friendly and approachable team will take care of the application and lodgement process for you.
  • Approval Made Simple: Access My Super Prepares All Required Documentation and gathers all treatment quotes.
  • Quick Turnaround Time: Access My Super Organises the Psychiatrist Report.
    • There is an associated cost for the psychiatrist report.
  • Get the Facts and Fees: Contact Access My Super for Further Information
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Super Health Ensemble

Super Health Ensemble can help you access your superannuation to cover the costs associated with your IVF treatment by facilitating ATO’s Early Release of Superannuation (ERS) application.

Their friendly team will work collaboratively to ensure every requirement is met. They will collect and complete all the paperwork behind the scenes to facilitate your application with everything you will need for the ATO. They will also complete your superannuation forms and track your benefit payment.

Their process:

  • Discussing your eligibility
  • Requesting quotes from all your providers
  • Walking you through the ATO application
  • Preparing the documents for your super fund
  • Following up with your super fund to accelerate your withdrawal

For further information or to contact Super Health Ensemble, please visit their website: or call 1300 001 287.

Flexible Payment Plans

Total Lifestyle Credit

We believe that everyone should be able to achieve their dream of parenthood. That’s why we have partnered with Total Lifestyle Credit to offer payment plan solutions to suit your needs. TLC provide a personalised and stress- free service with:

  • Funding for patients¬†from $2,001¬†– $50,000
  • Access to the lowest medical segment interest rates¬†for good credit scores
  • 8 different funding options
  • Funding for the full cost of treatment including City Fertility Fees, Hospital and Anaesthetist Fees, Specialist Fees, Medication etc.
  • No early payout fees
  • Flexible terms up to 84 months
  • Simple¬†30 second patient form to complete
  • Patients are funded within 24 hours of approval
  • Protected by the consumer credit laws

Please click here to view the repayment chart.

To make an enquiry, check your eligibility or apply please click here.

 Terms & Conditions:

  • Speak to TLC directly for a quote based on your personal circumstances and for the full terms and conditions.
  • A full credit and financial assessment would need to be completed prior to acceptance of any offer or product. Total Lifestyle Credit – Australian Credit licence 509691


City Fertility has partnered with Humm90 to help ease the financial pressures faced by many when accessing fertility treatment. Humm90 is a reusable account that lets you have the treatment you need now with the flexibility and convenience of paying off the cost of treatment over a period of 12 months interest-free*.

  • Application and approval is fast and easy
  • No deposit is required
  • Apply for up to $50,000
  • $99 annual fee.
  • No monthly service fees
  • Make extra payments or payout early for no extra fee

In order to streamline the process, please have our patient services staff members at our clinic assist you with your application via the Humm90 portal.

Please note that Humm90 is only available for City Fertility fees and cannot be used to pay for external provider fees such as hospital, anesthetist, pharmacy, and specialist fees.  

For more information, call us on  1300 023 326  or head to

*Approved applicants only. Fees, terms, conditions & minimum finance amount ($400) apply, incl. A $99 Annual Fee is charged at the time the first debit is charged to your humm90 Mastercard Account and annually on the anniversary of that date. When you have met the Interest-Free Criteria, the Annual Fee must be paid in full within the Interest-Free Period, or it will attract interest. If you do not meet the Interest-Free Criteria, the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Mastercard Account. Up to 110 days Interest-Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest-Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest-Free Criteria meaning that all new transactions from that day will be interest-bearing from the date of the transaction. Any outstanding balance after the Interest-Free Period reverts to the humm90 Mastercard Purchase Rate. The minimum monthly repayment is required. Interest (charged at the Expired Promotional Rate) is payable on outstanding balances after any Interest-Free Period in relation to a Promotional Offer. See for current interest rates. Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Australia Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.



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