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:

No up-front payment

Our no up-front payment plan is our most popular option. It is a flexible system that allows you to start your IVF cycle, with payment delayed until 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 on the day of 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’s bank account. If patients wish to use this option, full payment would need to be received into City Fertility’s 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.

Please note the above payment options 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.

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 – no approval basis.

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

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

Access My Super 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 take care of the application and lodgement process for you, allowing you to focus on your journey ahead.

Access My Super has an affordable application fee of $749 with a “No Approval No Fee Policy”.

All required documentation is prepared by Access My Super in accordance with the ATO’s Early Release of Super (ERS) requirements including the psychiatrist report, to ensure approval. The psychiatrist report is organised by Access My Super within a short turnaround time. There is an associated cost for the psychiatrist report. Please call the Access My Super team for further information.

For further information or to contact Access My Super, please visit their website: call 1800 845 121.

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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 payment or payout early for no extra fee

Please note that Humm90 is only available for City Fertility fees and cannot be used to pay for external provider fees such as hospital, anaesthetist, pharmacy, and specialist fees.  Depending on financial circumstances the humm90 Mastercard maybe used to pay for these external fees.

For more information head to


*Approved applicants only. Fees, terms, conditions & minimum finance amount ($400) apply, incl. $99 Annual Fee 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. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) 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.


Please note our payment plan options are only available in NSW, VIC and QLD at this stage. We are currently working on extending these payment options to all our patients in WA. If you have any questions or would like any further information, please do not hesitate to contact our friendly staff



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