* T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a. applies after interest free term ends. 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. Credit provided by Latitude Financial Services Limited.
Spend $250 or more, * anywhere Visa is accepted. Use it instore, online and worldwide.
Swipe some awesome deals with your Gem Visa and get cash back credit. Find the deals here.
We've joined with some of New Zealand's leading brands so you can enjoy long term interest free deals. * Find out more here.
Download the Latitude App to stay up to date on your balance, transactions and more;
Get 6% off your stay instantly with Booking.com every day, all year round via the Latitude App 1 .
If you have money owing on a non-Latitude credit card, you can now move it over to your Gem Visa credit card.
Gem Visa is loaded as a bill payee with most major banks.
Select Gem Visa from your bill payments options and follow the instructions to set up regular payments.
We do not charge a fee for payments made via Internet Banking.
Easily make recurring repayments.
The direct debit facility helps to ensure you never miss a payment by setting up regular monthly payments to your Gem Visa account from your bank's savings or cheque account.
Direct debit is best when you would like to make monthly payments which are based on a selection of the following: minimum monthly payment, a fixed monthly amount* or payment to reduce further interest.
Payments may vary each month based on your payment selection.
You can call us on 0800 500 505 to set up your Direct Debit over the phone.
Download a Direct Debit request form here. Once you've completed your form you can email it here.
No FeesWe do not charge a fee for payments made via Direct Debit.
Note: *Fixed monthly amount in this instance is the greater of a fixed monthly amount or minimum monthly payment as shown on your Gem Visa statement.
One of the quickest & easiest way to make repayments.
The automatic payment facility helps to ensure you never miss a payment by setting up automatic monthly payments to your Gem Visa account from your bank savings or cheque account.
Use an automatic payment when you would like to make regular payments that are set and controlled by you. You choose to pay the same amount and how frequently you pay: weekly, fortnightly or monthly.
Download an automatic payment form here or you can set up automatic payments directly with your bank.
Once you've completed your form you can take it to your bank to organise or email it to Gem here.
FeesFees may apply this will depend on your banking provider.
Simply take your statement and pay at a PostShop branch.
FeesA payment handling fee of $2.70 applies to each payment.
You can pay any way on your phone or wearable tech device with just a tap.
Wait a minute
60 seconds is all it takes for us to respond to your application (responsible lending criteria applies). If we require further details, the response may take up to 5 business days.
Ready, set, shop
Instant cardless payment feature where you can apply and once approved start shopping within minutes.
If you have a Gem CreditLine card, and don't want to switch to a Gem Visa, don't worry — your card will still work at over 2,000 retailers around New Zealand to access long term interest free deals. *
Chat to us live online Mon to Fri 8:00am - 6:30pm. Call our Gem Visa team on 0800 500 505 Mon to Fri 10:30am - 6:30pm.
* 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 to any remaining balance on the expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding 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. 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 gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine cards only. Credit provided by Latitude Financial Services Limited.
