Enjoy Now Pay Later

12 months Interest free for purchases **$250** and over

GemExisting customers can shop using a Gem Visa,or Gem CreditLine card.


GemNo deposit and no penalty if you pay out your plan earlier

Gem12 months Interest free available ($250 minimun spend)

Apply for a Gem Visa

Apply for a Gem Visa

Found something?

Get it on Interest Free with Gem Visa and pay nothing today.

Applying is quick and easy

Apply within 10 minutes & receive a decision within 60 seconds.

Make it yours!

Once approved,select your ideal payment plan & check-out using your account number.

Apply for a Gem Visa

*Available to approved customers only. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa / $50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 29.95% 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. Long term interest free offers may vary. Available at participating retailers to approved customers only. Conditions, fees and charges apply. Credit provided by Latitude Financial Services Limited. For Gem Interest Free terms & conditions visit gemfinance.co.nz/credit-cards/terms-and-conditions/