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.
What makes Gem Visa different?
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
(one off)4
$52
annual account
fee4
fee4
Digital wallets
You can pay any way on your phone or wearable tech device with just a tap.
How to apply
- Apply online
Check your eligibility and apply online. - 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. - 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
- 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
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.
We're here to help
Important information
- 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.
- Long term interest free offers may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.
- Provided you pay the ‘Payment to reduce further interest’ amount shown in your monthly statement by the payment due date.
- 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