Gem Visa deals

Access a range of interest free payment plans at thousands of best-known retailers throughout New Zealand.

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 more ¹
  • Longer terms often available - check in store for their current offer ²

How long term interest free works?

For existing card holders

For longer interest free terms, present your Gem Visa or your driver’s licence at any 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 finance is 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 finance deals.

Check out our retail offers

What's your next project?

Mitre 10 is filled with everything you need to get the job done right.

Mitre 10

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.

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.

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