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

Because it’s protected by Visa’s verified
your credit card and account are fully protected - online and in the real world.

Safeguard your spending

Cover your Gem Visa credit card account with
Designed for shopaholics, it’s not your ordinary insurance.

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

% p.a.
for 6 months on everyday Gem Visa purchases over $2501
% p.a.
long term deals at some of NZ’s best retailers2.
% p.a.
for up to 55 days3 on Visa purchases under $250.
% p.a.4
interest rate

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

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
  • $2 - over the counter cash advance
  • $1 - NZ ATM withdrawal
  • $1.50 - International ATM Withdrawal
  • Other ATM fees may apply
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!



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

Your credit limit

Managing your account

Things you should know

1 Credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Prevailing interest rate (currently 25.99% p.a.) applies after 6 months.
2 Long term interest free offers may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.
3 Provided you pay the ‘Payment to reduce further interest’ amount shown in your monthly statement by the payment due date.
4 Rates and fees are effective as of 31 March 2016 and are subject to change.

Shopper’s Protection Insurance

Terms, conditions and some exclusions apply. See the Policy for full details including details of limits that apply to your cover. Shopper’s Protection Insurance is issued by Hallmark Life Insurance Company Ltd. and Hallmark General Insurance Company Ltd. (incorporated in Australia and operating in New Zealand). To see if Shopper’s Protection Insurance is right for you, read the Shopper’s Protection Product Information Booklet and Policy.


If there’s a fraudulent transaction on your Gem Visa, you will not be held liable if you: