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Low Rate Card

Let’s get you a
great deal with
Gem Visa

Gem Visa gives you access to a huge range of interest free offers and payment plans at some of New Zealand’s leading brands.*

Apply online now or instore at any participating Gem Visa retailer.

Apply Now

*Gem Visa T&Cs & fees apply including a $55 establishment fee and $52 annual fee. Prevailing interest rate (currently 25.99% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Ltd.

Shop Interest Free Offers*

Our Interest Free Payment Plans explained

Interest free
  • A minimum payment is required each month for the duration of the plan
  • Paying only the minimum payment will not pay off the balance in full before the expiry of the plan
  • Get 6 months interest free for Visa purchases $250 or more*
  • Longer terms often available - check in store for their current offer*
  • View terms and conditions
Instalment interest free
  • Equal payments (instalment) to be paid each month for the duration of the plan
  • Paying the instalment payment each month on time will pay off the balance within the interest free period
  • Plans vary and are only available at selected retailers, during special promotional periods*
  • View terms and conditions
Interest free deferred
  • No minimum payments required during the duration of the plan
  • You are welcome to make voluntary payments any time before the end of the plan
  • Never pay a cent of interest on your purchase, provided you pay the balance on time and in full before the end of the plan
  • There are a range of plans available - please check in store for the finance terms they offer*
  • View terms and conditions

How it works

  • For new customersNew Cardholder
  • For existing card holdersExisting Cardholder

Where Gem Visa long term interest free deals are available, in most cases the retailer can easily get you set up at the point of purchase. Shortly afterwards, you’ll receive your Gem Visa card in the mail, to use as an everyday credit card and to access more long term interest free deals.*

For long term interest free deals, present your Gem Visa or your driver’s licence at any Gem Visa participating store.* The sales person will advise you which interest free promotions are currently available. You can then purchase up to your available credit limit.

Important information

*Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges 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 to any remaining balance on the expiry of the interest free term. 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. 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