Rates, Fees & Conditions Of Use
0
%p.a.for 6 months on everyday Gem Visa purchases $250 or over1
0
%p.a.long term deals
at some of NZ’s
best retailers.20
%p.a.for up to 55 days
on Visa purchases under $250.325.99
%p.a.interest rate4
$55
establishment fee
(one off)4$52
annual account
fee4
How to apply
- Get started by telling us your info, like what you earn, what you spend, and what you owe and own
- Choose a credit limit and decide whether you want Shopper's Protection insurance
- 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
Eligibility
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
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
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.
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