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!

Asset 34
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

  • 0

    %
    p.a.

    on purchases for up to 55 days#

  • 19.99

    %
    p.a.

    competetive interest rate for purchases

  • $0

    annual fee

  • 22.99

    %
    p.a.

    interest rate for cash advances

We're here to help

Live web chat
Mon - Fri  8am - 9pm, Sat  8am - 6pm
Call 0800 500 505
Mon - Fri  8am - 6:30pm

    Frequently Asked Questions

    Card activation
    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.