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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

Live web chat
Mon - Fri  8:00am - 6:30pm
Call 0800 500 505
Mon - 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.