Choose a Gem Visa credit card
for freedom and flexibility
Go anywhere
Like all Visa credit cards, Gem is accepted all over the world - in literally millions of places - so go forth and shop with confidence wherever you are.
0% p.a. interest
Buy what you need now, with 6 months interest free on Visa credit card purchases over $2501 and up to 55 days3 interest free on other purchases.
Safe and secure
Our fraud protection promise to you
Your Gem Visa card is protected by robust security measures – both when you shop in-store and online – so you can spend safe in the knowledge that we’ve always got your back.
Stopping fraud in its tracks
As soon as a suspect transaction is detected, our card security experts get to work immediately reviewing any suspicious activity while taking necessary action.
Shop securely with Verified by Visa
The moment you make a purchase online, Verified by Visa validates it in real-time to help reduce credit card fraud and unauthorised credit card use.
Money back guarantee
If there is fraudulent activity on your Gem Visa card, you will not be held liable – provided you notify us promptly, have not contributed to the loss and have stuck to the Conditions of Use.Safeguard your spending
We’re here to help you.
Chat to us live online Mon-Fri, 8am-9pm and Sat, 8am-6:00pm
Call us now on 0800 500 505 Mon-Fri, 8am-6:30pm
Apply online for Gem Visa
Interest rates, fees and Conditions of Use
Interest Rates
Fees & Conditions of Use
| Gem Visa Conditions of Use booklet |
These are the Conditions of Use, which govern your Gem Visa credit card. Download here 
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|---|
| Annual account fee | $52 |
|---|---|
| Establishment fee (one off) | $55 |
| Paper statement fee | $1 per statement (avoid this by opting out of paper statements) |
| Cash advance fee |
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|---|---|
| International transaction fee | 2% of the purchase or cash advance |
| Late fee | $15 |
| Payment handling fee | $1.70 for over the counter payments at NZ Post Branches |
| Other fees | $5 for statement reprints or replacement cards |
Interchange fees are paid by a business that processes card transactions on behalf of a merchant (acquirer) to the card issuer (Latitude Financial Services Limited in the case of Gem Visa). The interchange fees payable for all Gem Visa domestic Credit Card transactions are set out below.
| Industry program: Charities | 0.39% |
|---|---|
| Strategic Merchants Card Present (CP) and Card Not Present (CNP): Rate 1 | 0.50% |
| Strategic Merchants (CP and CNP): Rate 2 | 0.55% |
| Strategic Merchants (CP and CNP): Rate 3 | 0.60% |
| Strategic Merchants (CP and CNP): Rate 4 | 0.70% |
| Strategic Merchants (CP and CNP): Rate 5 | 0.80% |
| Strategic Merchants (CP and CNP): Rate 6 | 0.98% |
| Industry Program: Government, Utilities and Telecom | $0.70 |
| Industry Program: Insurance | $1 |
| Industry Program: Recurring Payment | 0.70% |
| Contactless | 0.85% |
| Electronic | 0.85% |
| Standard | 1.25% |
The smart way to pay
Everyday spending
Petrol, groceries, emergency 3pm coffee and cake… A Gem Visa credit card is perfect for all sorts of everyday purchases. Plus, you can use it anywhere Visa is accepted.
Shop now, pay later.
If you’re really smart, you’ll get what you need or want now and pay it off later. We work with heaps of retailers to offer long term interest free deals: 12, 24, 48 months and more2.
Less interest, more stuff.
0% interest – it doesn’t get much better than that, right? Thousands of stores. Endless possibilities.
3 steps to enjoying your own Gem Visa credit card.
Your info
If you’re eligible, get started by telling us your info, like what you earn, what you spend, and what you owe and own.
Your choices
You want an account that works for you, so choose a credit limit and decide whether you want Shopper’s Protection Insurance – we recommend it!
Submit
Check that you’ve given us all the info we need, then hit submit. We’ll get back to you soon (seriously – in less than 60 seconds).
Why wait for the end of season sales
Don’t you hate it when an item’s price goes down after you buy it? Shopper’s Protection Insurance is designed for shopaholics. It gives you the freedom to buy without getting burnt.
Let’s get you a Gem.
If you want to apply, you must be:
- At least 18 years old
- A permanent resident of New Zealand
And you’ll need to have these handy
- Driver’s licence or passport
- Details of your income and expenses
- Your employer’s name and contact number
- Your email address
We’re here to help you.
Chat to us live online Mon-Fri, 8am-9pm and Sat, 8am-6:00pm
Call us now on 0800 500 505 Mon-Fri, 8am-6:30pm
Apply online for Gem Visa
Frequently Asked Questions
Application and activation
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Like most financial institutions, credit and lending criteria apply. We are also required to verify your identity and address. To be eligible, you must be at least 18 years of age and a permanent resident of New Zealand.
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Once you’ve completed your application and submitted it we will provide a response (approved, declined, need more information) within 60 seconds. If we require more information, we’ll email you to let you know what we need. We’ll give you a call to follow up a few days later if we don’t hear from you.
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You will need to activate your card before you start to use it. (This helps us ensure the right person has received your card). Don’t forget to sign your card immediately. To activate your card call 0800 500 505. When you are activating your card, please follow the prompts to select your own Personal Identification Number (PIN). After this your card will be ready for use.
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Please call our Customer Solutions team on 0800 500 505, and follow the prompts. It only takes a couple of minutes.
Your credit limit
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Call our Customer Solutions team on 0800 500 505 to request an increase to your credit limit and if approved, your increase will take effect immediately. If your personal circumstances have changed, and you wish to decrease your credit limit, then please call us.
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We understand life can be unpredictable, so if you’re struggling with your finances the first thing to do is contact us. We will be able to advise what can be done to assist, which (depending on your circumstances) may include rescheduling your payments, or re-writing your contract for easier terms. If you prefer, we can refer you to the New Zealand Federation of Family Budgeting Services, which provides its services free of charge. Please call us on 0800 003 943 FREE for assistance.
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Subject to your available credit and cash limit, you can withdraw up to $1,000 per day at an ATM and up to $3,000 per day over the counter at a financial institution. (Please note, this may be less depending on where you are in the world. Some financial institutions may limit the amount of cash you can withdraw through their facilities.) The details of your cash limit can be found on your latest statement or by logging on to the Online Service Centre.
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We are able to review your credit limit every 6 months.
Managing your account
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The ‘Payment to Reduce Further Interest’ amount will show how much you need to pay that month to reduce the amount of interest you’re charged in the future, or in some cases, avoid interest altogether. It includes the minimum monthly payment, any outstanding fees, non-promotional balances and any promotional transactions that will become interest bearing shortly. The ‘Payment to Reduce Further Interest’ is only a suggested payment to help you reduce the amount of interest you pay on your account. You must however pay the at least the minimum monthly payment by the payment due date.
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Our Lost and Stolen team is available 24/7 and will be able to assist you. Call the Customer Solutions team on 0800 500 505. If you’re overseas call us on +64 9 362 5432.
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If you have forgotten your password and need to reset it, you can do this quickly online. Recover your password >
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There are a number of payment methods available. Choose the most convenient way for you to make repayments:
- Internet banking
- Direct Debit - you can download a direct debit form here.
- Automatic Payment - download an Automatic Payment form here
- Telephone banking
- In person - at your local PostShop
We will not treat a payment as being made until it is actually credited to your account. Depending on the method of payment used it can take up to two working days for a payment to be credited to your account. If in the case your due date falls in a weekend or public holiday, you may want to pay on the working day prior to your due date to avoid any additional charges.