It’s your kind of
Shop your way and enjoy 6 months Interest Free on everyday purchases of $250 or more – anywhere, anytime, on anything.
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.
Rates, Fees & Conditions Of Use
fee* (charged $27.50 half-yearly)
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.
- Be 18 years or over
- Be a permanent resident of New Zealand
- 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
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.*
* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly)/$55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 28.99% 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.
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