Things you should know

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.
3 Provided you pay the ‘Payment to reduce further interest’ amount shown in your monthly statement by the payment due date.
4 Rates and fees are effective as of 31 March 2016 and are subject to change.

Shopper’s Protection Insurance

Terms, conditions and some exclusions apply. See the Policy for full details including details of limits that apply to your cover. Shopper’s Protection Insurance is issued by Hallmark Life Insurance Company Ltd. and Hallmark General Insurance Company Ltd. (incorporated in Australia and operating in New Zealand). To see if Shopper’s Protection Insurance is right for you, read the Shopper’s Protection Product Information Booklet and Policy.

Security

If there’s a fraudulent transaction on your Gem Visa, you will not be held liable if you: