LFrame card

Shop better with
Gem Visa credit card

Make it yours with a Gem Visa

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This application will take around 10 minutes to complete

Check your eligibility

  • You must be at least 18 years old

  • Have a valid email address and NZ mobile number

  • Be a citizen or reside in New Zealand (for at least the next 12 months)

Things you will need

To provide a form of identification

  • E.g. NZ drivers licence, NZ Passport, International Passport

To provide proof of income

  • E.g. sharing your bank statement online or uploading documents

Before you start your application

Tell us how you will use your Gem Visa
Make it yours, interest free

Make it yours, long-term Interest Free*

Enjoy it now, pay later, Interest Free* deals with some of New Zealand’s leading retailers, online, and in-store.

6 months interest free

6 months Interest Free*

Enjoy more time to pay with 6 months Interest Free* on everyday purchases of $250 or more. Use it instore, online and worldwide.

Important information

*Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and $55 annual fee (charged $27.50 half-yearly) apply. Prevailing interest rate (currently 28.99% p.a.) applies to any remaining balance on the expiry of the interest free period. 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 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.


Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges may apply. Ask in-store for further details.

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.