Gem Visa and Gem CreditLine credit cards offers vary by promotion. 6, 12 & 16 Months Interest Free offers are always available. 24 Months Interest Free and longer terms are valid when displayed in store or online. Please ask a team member for more information.

Months Interest Free Minimum Purchase ($) *Maximum Purchase ($) applies to Gem Equal Monthly Instalments Product Exclusions & Inclusions
6 $250 - Excludes Gift Cards.
12^ $250 ^$1,200 Excludes Gift Cards.
16 $349 - Available on purchases of Apple products only. Excludes Gift Cards.
18^ $349 ^$1,800 Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range.
24^ $449 ^$2,400 Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range.
30** $499 - Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range. **When the offer includes Apple Mac, iPad & Apple Watch, the offer only excludes Gift Cards, iPhone, Samsung Flip, Fold, Note & S Series mobile range.
34 (1000 days interest free) $599 - Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range.
36 $599 - Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range.
48 $799 - Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range.
60 $999 - Excludes Gift Cards, all Apple & Sonos products and Samsung Flip, Fold, Note & S Series mobile range.

#36 months of equal interest free instalments with [Gem Visa/Gem CreditLine] as [an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine)]. Amount payable will be shown on your monthly statement. Minimum purchase $599.

#48 months of equal interest free instalments with [Gem Visa/Gem CreditLine] as [an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine)]. Amount payable will be shown on your monthly statement. Minimum purchase $799.

#60 months of equal interest free instalments with [Gem Visa/Gem CreditLine] as [an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine)]. Amount payable will be shown on your monthly statement. Minimum purchase $999.

#Gem Visa/Gem CreditLine 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) apply. Further information on rates and fees can be found at gemfinance.co.nz. 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.

Gem Interest Free Frequently Asked Questions

Gem Interest Free offers flexible interest free payment plans to suit your needs. From 6-60 months, Gem Interest Free gives you access to a range of Interest Free offers at hundreds of retailers. Existing Gem Visa & Gem CreditLine customers can checkout using Gem Interest Free.

Gem Interest Free cards such as Gem Visa work like a normal credit card but offer the added functionality of Interest Free plans.

There are three different types of Interest Free payment plans:

  1. Interest Free:
    $2000 TV on 24 months Interest Free = customer required to pay a minimum payment each month. The residual balance of the payment plan will incur interest once the Interest Free period is over. Customers can make extra payments at any time with no penalties.
  2. Instalment Interest Free:
    $2000 TV on 24 months Instalment Interest Free = customer pays the purchase price in 24 equal monthly instalments ($83.33) excluding $55 establishment fee & $55 Annual fee. If paid on time the balance is cleared by the end of the Interest Free Plan period.

Your approved credit limit will depend on your financial situation. The minimum credit limit for Gem Visa is $1,000, there is a $55 annual account fee (charged $32.50 half yearly) and a one off $55 establishment fee.

Look for the Gem Interest Free logo when browsing online or in-store to know what products are eligible. The minimum purchase amount is different across retailers. Gift cards are excluded.

You will receive a monthly statement that highlights the minimum payment required and the available payment options. Bank transfer and direct debit are available.

You can manage your account from the Latitude Mobile App or the Latitude Service Centre. Search Latitude App in the App Store or Google Play.