Enjoy Now. Pay Later
Gem Interest Free Payment Options
12 months Interest free for purchases $500 and over
- Existing customers can shop using a Gem Visa, or Gem CreditLine card.
- No deposit and no penalty if you pay out your plan earlier
- 12 months interest free available ($500 minimum spend)
Conditions, fees and charges apply
Apply for a Gem Visa
Apply for a Gem Visa Card
*Available to approved customers only. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% 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/