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What makes Gem Visa different?

6 months interest free*

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

Get cash back credit

Swipe some awesome deals with your Gem Visa and get cash back credit. Find the deals here.

Long term interest free deals

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

Digital self-servicing

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

Balance Transfer

If you have money owing on a non-Latitude credit card, you can now move it over to your Gem Visa credit card.

Rates, Fees & Conditions Of Use


for 6 months on all Visa purchases $250 and over*


on long term deals at some of NZ's leading brands*


prevailing interest rate applies after the interest free term ends*


cash advance interest rate*


establishment fee
(one off)*


annual account
fee* (charged $32.50 half-yearly)

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.

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.

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 may apply this will depend on your banking provider.



Simply take your statement and pay at a PostShop branch.


A payment handling fee of $2.70 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 (responsible lending criteria applies). If we require further details, the response may take up to 5 business days.
  3. Ready, set, shop
    Instant cardless payment feature where you can apply and once approved start shopping within minutes.


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 2,000 retailers around New Zealand to access long term interest free deals.*

We're here to help

Chat to us live online Mon to Fri 8:00am - 6:30pm.Call our Gem Visa team on 0800 500 505Mon to Fri 10:30am - 6:30pm.

Important information

* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine cards only. Credit provided by Latitude Financial Services Limited.

1 Offer may be withdrawn and is only available via the Latitude App. Exclusions and T&Cs apply.

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