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.
Interest rates, fees and Conditions of Use
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.
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
Frequently Asked Questions
Yes, you can make purchases as long as you have available credit. You just need a PIN (Personal Identification Number). Create or personalise your PIN in any Westpac NZ branch. Please remember to carry a valid identification document (NZ Driver Licence or a Passport) with your CreditLine card.
Each month, we’ll send you a statement that shows every transaction you’ve made. So it’s easy to keep on top of things. You can also manage your account and view your transactions online through the Online Service Centre.
Yes, as long as it's a participating retailer. It's called 'CreditLine120'. Whenever you spend more than $100 through EFTPOS, you automatically get 120 days interest free and deferred payments.
Once you’ve got your goods and we have received all the correct documentation from the retailer, your purchase amount will be debited to your account. The date your purchase amount is debited is the start date of your finance promotion.
Your credit limit
Your credit limit can be found on your monthly CreditLine statement, or you can call Customer Services on 0800 500 505 to ask us. You can also register with our Online Service Centre for 24/7 access to your account.
Yes. Just remember that cash withdrawals will incur interest from the date of your purchase or withdrawal. As long as you have a PIN number for your card, you can withdraw cash from ATMs, EFTPOS terminals and Westpac branches throughout New Zealand. You can create or personalise your PIN in any Westpac NZ branch. Please remember to carry a valid identification document (NZ Driver Licence or a Passport) with your CreditLine card.
We understand life can be unpredictable, so if you're struggling with your finances the first thing to do is contact us. We will be able to advise what can be done to assist, which (depending on your circumstances) may include rescheduling your payments, or re-writing your contract for easier terms. If you prefer, we can refer you to the New Zealand Federation of Family Budgeting Services, which provides its services free of charge. Please call us on 0800 003 943 FREE for assistance.
We are able to review your credit limit every 6 months. To see if you're eligible for a credit limit increase, give us a call on 0800 500 505 to discuss a solution to suit you.
Managing your account
Each month, we only ask you to pay 3% of your outstanding balance or $20 (whichever is greater). If you only pay the minimum monthly payment, you may not pay it all off in that time. You'll then pay the prevailing interest rate on whatever's left.
Gem CreditLine is no longer available to new customers. It’s been replaced by Gem Visa, which offers the same benefits of CreditLine just with more interest free options for you to choose from. If you would like to change to a Gem Visa, give us a call on 0800 500 505 to discuss your options.