Low Rate Card

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?

6 months interest free1

Spend $250 or more,1 anywhere Visa is accepted. Use it instore, online and worldwide.

Ready, set, tap

Instant cardless payment feature where you can apply, and once approved, start shopping within minutes, on spend up to $80.

Gem Visa deals

We've joined with some of New Zealand's leading brands so you can enjoy long term interest free deals.2 Find out more here.

Stay up to date 24/7

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

Rates, Fees & Conditions Of Use


for 6 months on all Visa purchases $250 and over1


on long term deals at some of NZ's leading brands2


for up to 55 days on Visa purchases under $2503


prevailing interest rate applies after the interest free term ends4


establishment fee
(one off)4


annual account

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.

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. If we require further details, the response may take up to 5 business days.
  3. Ready, set, shop
    Once approved, start shopping within minutes on spend up to $80, with our instant cardless payment feature.


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 2000 retailers around New Zealand to access long term interest free deals.

We're here to help

Live web chat

Mon to Fri 8:30am - 6:30pm.

Call our Gem Visa team on 0800 500 505

Mon to Fri 10:30am - 6:30pm.

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