Big. Small. Shop it all with Interest Free payment plans.
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.
* Gem Visa T&Cs and fees apply including a $55 establishment fee and $55 annual fee (charged $27.50 half-yearly). Prevailing interest rate (currently 29.49% p.a.) applies to any remaining balance on the expiry of the interest free term. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Available to approved Gem Visa credit card customers only. Credit provided by Latitude Financial Services Ltd.
Shop Interest Free Offers*
24 months interest free. On all purchases $600 and over.
Terms & Conditions apply
12 months interest free. On all purchases $250 and over.
Terms & Conditions apply
12 months interest free. On all in store purchases $500 and over.
Terms & Conditions apply
12 months interest free. Minimum spend $250.00.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 months interest free, when you spend $250 or more.
Terms & Conditions apply
12 months interest free, when you spend $250 or more.
Terms & Conditions apply
Long term interest free available. Instore and online.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term Interest free available.
Terms & Conditions apply
12 months interest free. Minimum spend $250.
Terms & Conditions apply
12 months interest free. Minimum spend $250.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
Shop interest free offers instore and online.
Terms & Conditions apply
Up to 24 months interest free instore and online.
Terms & Conditions apply
Mattress buying made easy. 12 months interest free on purchases over $250.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
Shop now for your essential home office products. 12 Months Interest free, minimum spend $250.
Terms & Conditions apply
One stop shop for your kids needs at an affordable price. 12 Months interest free on all purchases $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
12 Months Interest Free when you spend $250 or more.
Terms & Conditions apply
Incomparable relaxation. Long term interest free available.
Terms & Conditions apply
Perfect manicure in minutes. 12 months interest free. Minimum purchase $250.
Terms & Conditions apply
Effortless style. 12 months interest free. Minimum purchase price $250.
Terms & Conditions apply
12 Months Interest free. Minimum purchase $250
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 Months Interest free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest free. Minimum spend $250.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 Months Interest free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest free. Minimum spend $250.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Short term instalment interest free available. Minimum purchase amounts apply.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
Long Term Interest free available. Minimum spend $250.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
The flooring specialists. Get 18 months interest free when you spend over $500.
Terms & Conditions apply
Sustainable devices. Trusted quality. 12 months interest free on purchases $250 or more.
Terms & Conditions apply
Specialists in mobile phones, tablets, laptops and PC components. 12 months interest free on all purchases $250 or more.
Terms & Conditions apply
Purchase an instrument on Gem Visa online and instore and get 12 months interest free on purchases $250 or more.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
18 months interest free (In-store only). Minimum spend $400.
Terms & Conditions apply
Long term interest free deals available.
Terms & Conditions apply
Long term interest free deals available.
Terms & Conditions apply
Long term interest free deals available.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
Interest free terms available.
Terms & Conditions apply
6 months and 12 months interest free available. Minimum spend $250.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
12 Months Interest free until Jan 31 2022. Minimum spend $250.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
24 months interest free, min spend $2,500.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 months interest free, min spend $250.
Terms & Conditions apply
12 months interest free on all purchases $250 and over.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 Months Interest Free. Minimum spend $250.
Terms & Conditions apply
18 Months deferred payments on all purchases over $100 until the 31st January 2022.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
36 months interest free with equal monthly payments. On all in store purchases $100 and over.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 months interest free, min spend $1,000.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
16 months no payments and no interest. On all in store purchases $799 and over.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
10 months interest free. In store and online purchases $250 and over.
Terms & Conditions apply
12 months interest free. On all in store purchases $250 and over.
Terms & Conditions apply
15 months no payments and no interest. On all in store purchases $100 and over.
Terms & Conditions apply
Finance terms available. Please see in-store for details.
Terms & Conditions apply
Finance options available.
Terms & Conditions apply
Finance options available
Terms & Conditions apply
Finance options available.
Terms & Conditions apply
18 months interest free. On all eye laser surgery $6,100 and over.
Terms & Conditions apply
24 months interest free on all purchases $1,000 and over.
Terms & Conditions apply
12 months interest free. On all in store purchases $250 and over.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
12 months interest free. On all in store purchases $500 and over.
Terms & Conditions apply
24 months interest free. On all in store purchases $4,000 and over.
Terms & Conditions apply
24 months interest free. On all in store purchases $500 and over.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
Long term interest free available.
Terms & Conditions apply
The latest furniture designs and traditional favourites with a range of finance options.
Terms & Conditions apply
Our Interest Free Payment Plans explained
- 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
- 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
- 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 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.
Important information
* Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly)/$55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% 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 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. Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine cards only. Credit provided by Latitude Financial Services Limited.
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