When you spend $1,500 a month for the first 3 months.
New customers approved by 31 May 2026. Lending criteria, T&Cs and fees apply including $65 Annual fee ($32.50 half-yearly).
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.
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.
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
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
Important information
* 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