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Important information about Gem Visa

Product suitability

When applying for a Gem Visa you are applying for a revolving credit contract (a general purpose credit card). When applying for this credit, you confirm that you require the credit on an ongoing basis.

Rates & Fees

0

%
p.a.
or 6 months on all Visa purchases $250 and over1

0

%
p.a.
on long term deals at some of NZ's leading brands2

0

%
p.a.
up to 55 days interest free on Visa purchases under $2503

25.99

%
p.a.
prevailing interest rate applies after any interest free term ends4

$55

establishment fee
(one off)4

$52

annual account
fee4
Important information

1 Credit and lending criteria, $55 establishment fee and $52 annual fee apply. Prevailing interest rate (currently 25.99% p.a.) applies after the expiry date of the interest free period.

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.



Financial Advice – Prescribed Statement Disclosure

You are protected by responsible lending laws. Because of these protections, the recommendations given to you by us about personal loans, credit cards and any credit related insurance products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.