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Low Rate Card

Gem Visa lets you shop for whatever
you want.

Enjoy 6 months interest free on all Visa purchases $250 and over,1 anywhere Visa is accepted, worldwide.

Apply Now
Apply now
Get started

What makes Gem Visa different?

6 months interest free1

Spend $250 or more,1 anywhere Visa is accepted. Use it instore, online and worldwide.

Ready, set, tap

Instant cardless payment feature where you can apply, and once approved, start shopping within minutes, on spend up to $80.

Gem Visa deals

We've joined with some of New Zealand's leading brands so you can enjoy long term interest free deals.2 Find out more here.

Stay up to date 24/7

Download the Latitude App and stay up to date on your balance, transactions and more.

Rates, Fees & Conditions Of Use

0

%
p.a.
for 6 months on all Visa purchases $250 and over1

0

%
p.a.
on long term deals at some of NZ's leading brands2

0

%
p.a.
for up to 55 days on Visa purchases under $2503

25.99

%
p.a.
prevailing interest rate applies after the interest free term ends4

$55

establishment fee
(one off)4

$52

annual account
fee4

Payment Options

  • Internet Banking
  • Direct Debit
  • Automatic Payment
  • PostShop

Internet Banking

Gem Visa is loaded as a bill payee with most major banks.

Select Gem Visa from your bill payments options and follow the instructions to set up regular payments.


The information you'll need to include is:

  • Payee: Gem Visa & Bank Account number: 03 0502 0681686 00.

  • Reference: 00 and then the last 10 digits of your account number.

    You can find your account number in the top right hand corner of your Gem Visa statement.

  • Code: 0000-0060-1073

  • Particulars: Your surname & first initial

No Fees

We do not charge a fee for payments made via Internet Banking.

Direct Debit

Easily make recurring repayments.

Call usDownload form

The direct debit facility helps to ensure you never miss a payment by setting up regular monthly payments to your Gem Visa account from your bank's savings or cheque account.


Direct debit is best when you would like to make monthly payments which are based on a selection of the following: minimum monthly payment, a fixed monthly amount* or payment to reduce further interest.


Payments may vary each month based on your payment selection.


Call us

You can call us on 0800 500 505 to set up your Direct Debit over the phone.


Download form

Download a Direct Debit request form here. Once you've completed your form you can email it here.

No Fees

We do not charge a fee for payments made via Direct Debit.


Note: *Fixed monthly amount in this instance is the greater of a fixed monthly amount or minimum monthly payment as shown on your Gem Visa statement.

Automatic Payment

One of the quickest & easiest way to make repayments.

Download form

The automatic payment facility helps to ensure you never miss a payment by setting up automatic monthly payments to your Gem Visa account from your bank savings or cheque account.


Use an automatic payment when you would like to make regular payments that are set and controlled by you. You choose to pay the same amount and how frequently you pay: weekly, fortnightly or monthly.


Download form

Download an automatic payment form here or you can set up automatic payments directly with your bank.


Once you've completed your form you can take it to your bank to organise or email it to Gem here.

Fees

Fees may apply this will depend on your banking provider.

PostShop

PostShop

Simply take your statement and pay at a PostShop branch.

Fees

A payment handling fee of $1.70 applies to each payment.

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

Apple PayFitbit PayGoogle PayGarmin Pay

How to apply

  1. Apply online
    Check your eligibility and apply online.
  2. Wait a minute
    60 seconds is all it takes for us to respond to your application. If we require further details, the response may take up to 5 business days.
  3. Ready, set, shop
    Once approved, start shopping within minutes on spend up to $80, with our instant cardless payment feature.

Eligibility

You must:
  • Be 18 years or over
  • Be a permanent resident of New Zealand
Able to supply:
  • Passport or Driver's License
  • Income and expense details
  • Employer's name and contact details
  • Your email address

Frequently asked questions

Application & activation
Your credit limit
Managing your account
Gem CreditLine

Are you an existing Gem CreditLine customer?

Gem CreditLine

If you have a Gem CreditLine card, and don’t want to switch to a Gem Visa, don’t worry - your card will still work at over 2000 retailers around New Zealand to access long term interest free deals.

Find Out More

We're here to help

Live web chat

Mon to Fri 8:00am - 6:30pm.

Call our Gem Visa team on 0800 500 505

Mon to Fri 10:30am - 6:30pm.

Apply now

Important information

  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.

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

- have not contributed to the loss
- notified us promptly of the theft, loss or misuse
- have followed the Gem Visa Conditions of Use