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
Pay the way you want to
If you want to use your mobile phone or wearable tech to make payments with your Gem Visa card, go right ahead. We’re ready.
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.
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