Using your Gem Essential card? Don't forget these great features!
No annual fee or additional card holder fee
Rates, Fees & Conditions Of Use
Frequently asked questions
- Your Credit Limit
- Managing your account
# 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 21.99% 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.