Let’s get you a
great deal with
Gem Visa gives you access to a huge range of interest free deals and payment plans at some of New Zealand's leading brands.2
Apply online now or instore at any participating Gem Visa retailer.
Or apply instore at any
participating Gem Visa retailer
Shop Interest Free Offers
12 months interest free, min spend $250.
12 months interest free, min spend $1,000.
16 months no payments and no interest. On all in store purchases $799 and over.
15 months no payments and no interest. On all in store purchases $100 and over.
24 months interest free on all purchases $1,000 and over.
24 months interest free. On all in store purchases $500 and over.
Our Interest Free Payment Plans explained
- 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 periods²
- 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 offer²
How it works
- For new customers
- For existing card holders
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.
1 Credit and lending criteria, $55 establishment fee and $52 annual account fee apply. Prevailing interest rate (currently 25.99% p.a.) applies after 6 months.
2 Long term interest free offers may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.
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