Gem Visa Credit Card | Interest Free Credit Cards NZ

Uh oh, looks like your browser (Internet Explorer) is out of date.While we no longer support it, you can install modern alternatives for a better browsing experience.

0 establishment fee and no annual fee in first year

Gem Visa card

^*When you spend $1,500 a month for the first 3 months.

Apply now

New customers approved by 31 May 2026. Lending criteria, T&Cs and fees apply including $65 Annual fee ($32.50 half-yearly).

What makes Gem Visa different?

0% interest for 6 months on general purchases of $250 or more^*

Select your purchases in the Latitude App or Latitude Service Centre within 30 days of the purchase date. Here’s how

0% interest offers from 6 to 60 months

Take the stress out of big purchases with 0% interest payment plans at 100s of retailers online and in-store.

Top-rated app to complement your card

With a 4.8/5 App store rating, the Latitude App helps you stay on top of your payments and never miss a due date.

$0 additional card holder fee

Share all the features and benefits without needing to open a second account. Learn 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.

Find Out More

Payment Options

Internet Banking

Direct Debit

Automatic Payment

PostShop

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:

1. Payee: Gem Visa & Bank Account number: 03 0502 0681686 00.

2. 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.

3. Code: 0000-0060-1073

4. 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.

Call us Download form

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.

Download form

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.

Fee
Fees may apply this will depend on your banking provider.

PostShop

Simply take your statement and pay at a PostShop branch.

Fees

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.

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 (responsible lending criteria applies). If we require further details, the response may take up to 5 business days.

Ready, set, shop

Instant cardless payment feature where you can apply and once approved start shopping within minutes.

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

Frequently asked questions

Application & activation

Your Credit Limit

Managing your account

Application & activation
Your Credit Limit
Managing your account

We're here to help

Chat to us live
online Mon to Fri 8:00am - 6:30pm.

Call our Gem Visa team on 0800 500 505
Mon to Fri 09:00am - 6:30pm (NZST)
Sat: 11:00am to 08:00pm
Sun: Closed

Apply now

^* 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 Excludes long-term Interest Free payment plans. Other exclusions, T&Cs, card fee & other charges apply. Limited to new and approved Gem Visa applicants only. Limited to one offer per applicant. To qualify for $150 credit back, you must be approved and fulfil on the terms of the offer by spending $1,000 or more each month on everyday purchases for 3 consecutive months from the date of approval. The $150 credit will be applied within 60 days of meeting the spend criteria. Offer ends 15 Dec 2024. Gem Finance may vary, extend or withdraw this offer at any time without notice. Everyday purchases do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Long term Interest Free plan(s), interest and balance transfers into an account. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. The account must be open and not in default of the credit contract when the credit is applied.

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