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Low Rate Card

Get 6.99% p.a. for 6 months on balance transfers.*

Visit the Latitude Service Centre or Latitude App to apply.

How to apply

Balance Transfer Offer
  1. Visit Latitude Service Centre by clicking the Log in button in the top right corner or open the Latitude App. (Please ensure you download the latest version)
  2. Log in using your Latitude ID.
  3. Select the Balance Transfer tab and fill in the form.
  4. If you don't have a Latitude ID, simply register from the login page and follow the steps above.
  5. For more information on Terms and Conditions click here.

Frequently Asked Questions

Important information

* Balance transfer applies to eligible non-Latitude New Zealand issued credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your Gem Visa credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the promotional period. If there is an outstanding balance after the promotional period, interest will be charged at the current annual interest rate for cash advances, currently 29.95% (subject to change).

Offer only available to existing customers who have submitted an application form. Eligibility criteria apply. Subject to approval.

^ Gem Visa T&Cs and fees apply including a $55 annual fee (charged $27.50 half-yearly). The annual fee will increase to $65 effective 12 June 2024. Interest rate currently 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa credit cards only.

Credit provided by Latitude Financial Services Ltd.