Uh oh, looks like your browser (Internet Explorer) is out of date.While we no longer support it, you can install modern alternatives for a better browsing experience.

Gem Essential

Gem Essential is currently not open to new applicants.
Gem Visa might be the right credit card for you. Alternatively, find out how a Gem Personal Loan could work for you.

Gem Visa

Using your Gem Essential card?
Don't forget these great features!

No annual fee or additional card holder fee
Gem Essential has no annual account fee or additional cardholder fee. It’s a great value everyday credit card.

Rates, Fees & Conditions Of Use


on purchases for up to 55 days#


competetive interest rate for purchases^


annual fee


interest rate for cash advances^

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

Apple PayFitbit PayGoogle PayGarmin Pay

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.

Frequently asked questions

  • Your Credit Limit
  • Managing your account

Important information

# To take advantage of up to 55 days Interest Free on everyday credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.

^ Prevailing interest rate (currently 22.49% p.a.) applies to any remaining balance on the expiry of the interest free term. Cash advances (or cash withdrawals) attract interest from the date of withdrawal at the prevailing interest rate (currently 29.95%p.a.).

Credit provided by Latitude Financial Services Limited.