Gem CreditLine card

Gem CreditLine

Because Gem Visa is perfect for great deals and everyday spending, we don’t offer CreditLine anymore. But don’t worry, if you don’t want to switch, your CreditLine card will keep working.

Have a Gem CreditLine? Don’t forget these great features.

Get what you want. Now.

Over 2000 retailers all around New Zealand offer long term interest free deals, so you can buy now and pay it off when you're ready.

Shop now, pay later.

Spend over $100 at one of our participating stores, and you don’t need to pay a cent for up to 120 days – yay!

Swipe and go.

Use your CreditLine card like an EFTPOS card – swipe it in store or take cash out from a money machine*. Super convenient.

Looking for a change?

Want more great features? With Gem Visa, you’ll get the added convenience of an everyday Visa card, as well as all those interest free deals you know and love built in.
Find out more

We're here to help you, call us on 0800 500 505
Mon - Fri, 8am-6:30pm

Apply online for Gem Visa

Interest rates, fees and Conditions of Use

Interest Rates

% p.a.
interest rate
% p.a.
cash rate

Fees & Conditions of Use

Gem CreditLine Conditions of Use booklet

These are the Conditions of Use, which govern your Gem CreditLine credit card. Download here

Annual account fee $50
Paper statement reprint fee $5
Card replacement fee $5
Late payment fee $15
Cash advance fee $6 for over the counter cash withdrawals
ATM withdrawal fee 90c

Keep track of your card, wherever you are.

Online servicing

Our online service centre lets you access and manage your account whenever it suits you.

Register now

Stay on top of things.

Who wants real, paper statements anymore? Opt into online statements and email reminders, and you’ll be able to keep up with your account more easily.

Update my preferences

Don’t miss out on our offers.

Want to know when your favourite shops have deals and offers? Sign up for our emails and we’ll keep you posted.

Email us
Why wait for the end of season sales

Don’t you hate it when an item’s price goes down after you buy it? Shopper’s Protection Insurance is designed for shopaholics. It gives you the freedom to buy without getting burnt.

We're here to help you, call us on 0800 500 505
Mon - Fri, 8am-6:30pm

Apply online for Gem Visa

Frequently Asked Questions


Your credit limit

Managing your account

Things you should know

*Remember that cash withdrawals attract interest from the date of withdrawal/purchase.