Interest Free Payment in Gem Visa

Gem Visa is a general-purpose credit card. It gives 6 months interest-free on all Visa purchases over $250. It may also be used for long term retail finance in around 2000 participating stores throughout New Zealand.


You must:
Be 18 years or over
Be a permanent resident of New Zealand

Able to supply:

Passport or Driver’ s License
Income and expense details
Employer’ s name and contact details
Your email address 

*Terms and conditions 

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)).

Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends.

Paying only the minimum monthly repayment of 3% of the outstanding monthly 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.

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 Available on participating Gem Visa or Gem CreditLine credit cards only.

New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.

Apply now

Explore by category