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Gem CreditLine Card

Gem CreditLine

Because Gem Visa is perfect for great deals and everyday spending, we don’t offer Gem CreditLine anymore. But don’t worry, if you don’t want to switch, your Gem 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.3

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!2

Swipe and go

Use your Gem CreditLine card like an EFTPOS card – swipe it in store or take cash out from a money machine1. 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.

Rates, Fees & Conditions Of Use


for 120 days on purchases over $100 at participating stores2


on long term deals at some of NZ's leading brands3


prevailing interest rate applies to the remaining balance after any interest free term ends3


cash advance interest rate


annual fee (charged $32.50 half-yearly)

Payment Options

  • Internet Banking
  • Direct Debit
  • Automatic Payment
  • Paying in Person

Internet Banking

Gem CreditLine is loaded as a bill payee with most major banks.

Select Gem CreditLine from your bill payments options and follow the instructions to set up regular payments.

The information you'll need to include is:
  • Payee: Gem CreditLine

  • Bank Account number: 03 0104 0336123 00

  • Reference: 00 and then the last 10 digits of your account number.

    You can find your account number on the top right hand corner of your Gem CreditLine statement.

  • Code: 0000-0050-3946

  • Particulars: Your surname & first initial

No Fees

We do not charge a fee for payments made via Internet Banking.

Direct Debit

Easily make recurring repayments.

The direct debit facility helps to ensure you never miss a payment by setting up regular monthly payments to your Gem CreditLine account from your bank's savings or cheque account.

Direct debit is best when you would like to make monthly payments which are based on a selection of the following: minimum monthly payment or a fixed monthly amount*.

Payments may vary each month based on your payment selection.

Call us

You can call us on 0800 500 505 to set up your Direct Debit over the phone.

Download form

Download a Direct Debit request form here. Once you've completed your form you can email it here.

No Fees

We do not charge a fee for payments made via Direct Debit.

Note: *Fixed monthly amount in this instance is the greater of a fixed monthly amount or minimum monthly payment as shown on your Gem CreditLine statement.

Automatic Payment

One of the quickest & easiest way to make repayments.

The automatic payment facility helps to ensure you never miss a payment by setting up automatic monthly payments to your Gem CreditLine account from your bank savings or cheque account.

Use an automatic payment when you would like to make regular payments that are set and controlled by you. You choose to pay the same amount and how frequently you pay: weekly, fortnightly or monthly.

Download form

Download an automatic payment form here or you can set up automatic payments directly with your bank.

Once you've completed your form you can take it to your bank to organise or email it to Gem here.


Fees may apply this will depend on your banking provider.

Paying in Person

Simply take your statement and pay at any Westpac branch.

To pay in person at any Westpac branch simply take your statement with your payment to any Westpac branch. All payments are subject to an 8 working days clearance period. You may not be able to access any credit created by those payments during this time.

To find your nearest Westpac branch click here.


A payment handling fee of $6 applies to each payment.

Frequently asked questions

  • Purchases
  • Your Credit Limit
  • Managing your account

We're here to help

Chat to us live online Mon to Fri 8:00am - 6:30pm.Call our Gem Visa team on 0800 500 505Mon to Fri 10:30am - 6:30pm.

Important information

1Cash withdrawal fees apply (over the counter cash withdrawal fee of $6/ATM cash withdrawal fee $0.90). Remember that cash withdrawal attracts interest from the date of withdrawal/purchase at the prevailing interest rate (currently 29.95%p.a.).
2Available at participating retailers only. Prevailing interest rate (currently 29.95% p.a.) applies after 120 days. Annual account fee of $65 (charged $32.50 half-yearly) applies. Conditions, fees and charges apply.
3Long term interest free offers may vary. Available at participating retailers to approved customers only. Prevailing interest rate (currently 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Annual account fee of $65 (charged $32.50 half-yearly) applies.Conditions, fees and charges apply.

Credit provided by Latitude Financial Services Limited.