Rates, Fees & Conditions Of Use
0
%p.a.for 6 months on everyday Gem Visa purchases $250 or over1
0
%p.a.long term deals
at some of NZ’s
best retailers.20
%p.a.for up to 55 days
on Visa purchases under $250.325.99
%p.a.interest rate4
$55
establishment fee
(one off)4$52
annual account
fee4
Credit Card Insurance
Terms, Conditions and some exclusions may apply. See the product Information Brochure and Policy for the respective cards below for full details, including details of limits that apply to the cover. The insurance is issued by Hallmark Life Insurance Company Ltd. and Hallmark General Insurance Company Ltd. (Incorporatd in Australia and Operating in NZ).
How to apply
- Get started by telling us your info, like what you earn, what you spend, and what you owe and own
- Choose a credit limit and decide whether you want Shopper's Protection insurance
- In most instances we can provide a response (approved or declined) to your application within 60 seconds. If we require further details, the response may take up to 5 days
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
We're here to help
Frequently Asked Questions
Application & activation
Your credit limit
Managing your account
Are you an existing Gem CreditLine customer?
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.
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.
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.
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