Gem Credit Card

Gem is a part of Latitude Financial Service which has been serving more than 2.5 million Kiwis with banking and financial services. Their products include credit cards, retail finance, insurance, and personal loans to cater to the different needs of Kiwis like home renovations to and everyday shopping. Gem can be your one-stop-shop to achieve your financing goals!

Gem Visa credit card offers competitive rates and flexible benefits, including long term interest-free deals on selected stores. What’s great is you can apply for Gem Visa online with just a few clicks! If you’re still unsure if they’re best suited for you, then head on over to our comparison page and see how it fares against other offers!

gem credit card nz

Why apply for a Gem Credit Card?

Gem makes sure that you get the best value in your credit card, including a fair interest rate, innovative payment methods, mobile management tools, and many more. The 6 months interest-free period for every $250 purchases is one of the most promising features of a Gem Visa credit card. 

Best value credit card

Gem Visa credit card has all the right qualities of a best value credit card thanks to its 6 months interest-free period that’s unrivalled by any other credit card in New Zealand. With long term interest-free deals with partner stores, they can be a huge advantage for shoppers who rely on their credit card for most of their transactions.

Cardless payment 

With a Gem Visa credit card, you can pay in many different ways. Once you apply for cardless payment, you can simply tap your card to make transactions of up to $80. If you want to go cashless, you can also use your mobile phone or wearable tech to pay for your Gem credit card purchases.

Gem Visa Credit Card - Rewards, Rates, Annual Fees

Fees and charges

You won’t be charged anything for 6 months on all purchases no more than $250; however, the prevailing interest rate after the interest-free term is 25.99% p.a. Other fees include a $52 annual account fee, a $55 establishment fee, and 2% interest of the purchase amount in overseas transactions. 

A Gem credit card is suitable for Kiwis who can pay on time because they can easily qualify for competitive benefits that are difficult to find in other credit card deals.

Long term interest-free deals

If you’re a Gem credit cardholder, you’ll be entitled to long term interest-free deals on selected stores. Simply present your Gem Visa credit card or driver’s license at a partner store, and you’ll be advised about current promotions and interest-free deals. You can get as much as 10 months interest-free deals for purchases of $250 and over, and up to 36 months interest-free deals for purchases of $100 and above.

Submit your Gem credit card application today and get access to their exclusive deals!

Compare Gem credit card against other deals from different NZ providers using glimp!

Shane Egan (Popup) , 2023-07-10

Excellent service. Responsive and easy to deal with. Got me an awesome deal on Broadband. Well worth calling to see what they can do. 👍

Jamie Martin , 2023-06-18

Really great service, helped us save about 30% on power plus a free $100 sign up bonus. Very fast and efficient.

Kat W , 2023-06-20

Very helpful and informative. Lovely chatting with them on the phone, helped me find a power supplier, pretty simple and straight forward

Dee Painter , 2023-08-08

So easy to use, very helpful and got a great deal with my power and gas