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Low Rate Card

Gem Visa

Buy the Apple products you love with 0% interest when you shop with your Gem Visa at Apple.*

*T&Cs and fees apply including a $55 establishment fee and $52 annual fee. Interest rate (currently 25.99% p.a.) applies after interest free term ends. Credit provided by Latitude Financial Services Ltd.

What makes Gem Visa different?

6 months interest free*

Spend $250 or more,* 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.

Gem Visa 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.

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 over*


on long term deals at some of NZ's leading brands*


for up to 55 days on Visa purchases under $250*


prevailing interest rate applies after the interest free term ends*


establishment fee
(one off)*


annual account

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

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 (responsible lending criteria applies). If we require further details, the response may take up to 5 business days.
  3. Ready, set, shop
    Instant cardless payment feature where you can apply and once approved start shopping within minutes.


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
  • Shopping at Apple
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 8:00am - 6:30pm.Call our Gem Visa team on 0800 500 505Mon to Fri 10:30am - 6:30pm.

Important information

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly 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. 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