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
Types of interest free
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
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.
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