Shop better with Gem Visa

Shop better and automatically enjoy 6 months interest free on all purchases of $250 or more1, anywhere Visa is accepted, worldwide.

Gem Visa

What makes Gem Visa different?

Get 6 months interest free

When you spend $250 and over at 40 million locations where Visa is accepted, you automatically get 6 months interest free1.

What makes Gem Visa different?

Gem Visa deals

We’ve joined up with some of NZ’s best brands so you can shop long term interest free deals.

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.

Rates, Fees & Conditions Of Use

  • 0


    for 6 months on everyday Gem Visa purchases $250 or over1

  • 0


    long term deals
    at some of NZ’s
    best retailers.2

  • 0


    for up to 55 days
    on Visa purchases under $250.3

  • 25.99


    interest rate4

  • $55

    establishment fee
    (one off)4

  • $52

    annual account

How to apply

  1. Get started by telling us your info, like what you earn, what you spend, and what you owe and own
  2. Choose a credit limit and decide whether you want Shopper's Protection insurance
  3. 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


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

  • Live web chat

    Mon-Fri, 8am-9pm
    Sat, 8am-6pm

  • Call 0800 500 505

    Mon-Fri, 8am-9pm

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.

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.

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