Interest Free - Gem Visa

Gem Visa. The smarter way to pay.

Gem Visa is a smart, everyday credit card that gives you freedom to take advantage of great deals & opportunities. You can use your Gem Visa card to shop online or instore at Noel Leeming. If you haven't got one apply below to start shopping today!

  • Buy online or instore
  • Apply online and get a response in 60 seconds and if approved start shopping right away
  • Make additional repayments without penalty

  • What is interest free?

    Enjoy the freedom to make your purchase and manage your payments over time, without paying any interest during the interest free period (provided you pay the "payment to reduce further interest" amount in your monthly statement by the payment due dates, terms and conditions may apply. Excludes gift cards).
    Minimum monthly payments are required but making only these payments will not reduce your balance to zero during promotional period. If you pay the outstanding balance in full before the end of the interest free period, you will avoid paying any interest.
    The prevailing interest rate applies to any outstanding balance on the expiry of the interest free period (currently 25.99% p.a. for Gem Visa and 29.95% p.a. for Gem CreditLine).

    Gem Visa - Apply

    Promotional terms

    At Noel Leeming, we offer a range of interest free promotional terms, allowing you to choose the option that best suits you.


    Fees and charges

    Minimum monthly payments are required but you won't be charged interest if you pay off the balance of your purchase before the expiry of the interest free period. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.

    Establishment Fee - A one off fee of $55 is charged for processing your application when you open your account.
    Annual Account Fee - A fee of $52 for Gem Visa and $50 for CreditLine is charged at the anniversary of your account and is for maintaining the account for the previous 12 months. It is then charged each subsequent year the account remains open.

    Gem Visa and Gem CreditLine are provided by Latiture Financial Services Limited.

    Click here to read the Interest Free Terms and Conditions.