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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 deals and payment plans at some of New Zealand's leading brands.2

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

Apply Now

Or apply instore at any
participating Gem Visa retailer

How long term interest free works?

For existing card holders

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.

For new customers

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.

Types of interest free

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 more¹
  • Longer terms often available - check in store for their current offer²

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 periods²

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 offer²

Check out our retail offers

Important information

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.

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