Rates, Fees & Conditions Of Use
for 6 months on everyday Gem Visa purchases $250 or over1
long term deals
at some of NZ’s
for up to 55 days
on Visa purchases under $250.3
Credit Card Insurance
Found your item cheaper
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).
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.
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.
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