What is Gem Visa credit card?
Shop, big or small, with Interest Free* payment options. Apply online for a Gem Visa credit card. Get a response in less than 60 seconds. Once approved, start shopping right away. Already have an eligible card? Start shopping with PB Tech today. Just choose it as a payment method online. You can use Gem Visa credit card, anywhere Visa is accepted.
Add the products you want to purchase to your cart.
In the checkout, select Gem Visa / CreditLine as the payment method. Choose your Interest Free option.
Either use your existing Gem Finance card details or sign-up to a new Gem Visa credit card within checkout.
Popular products purchased with Gem
Terms & Conditions
(1) 6 Months & 12 Months Interest Free*
Minimum purchase $250. Minimum monthly payments required. 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 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. 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. Where the merchant offers cash advance in the services, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies for cash advances. 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 does not guarantee any product or service purchased using Gem Visa. All claims and representations are made by the merchant of the goods/services, and not by Gem. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.
(2) 10 Months No Interest and No Payment
Minimum purchase $250. No monthly payments required during the stated period. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. *10 months interest free with no repayments during the stated period. 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)). Minimum purchase $250. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Where the merchant offers cash advance in the services, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies for cash advances. 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 does not guarantee any product or service purchased using Gem Visa. All claims and representations are made by the merchant of the goods/services, and not by Gem. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.
18 Months Interest Free (Promotional)
Minimum purchase $500. Minimum monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards, in the time range specified within the marketing campaign only. New customers must apply and be approved for a Gem Visa credit card. *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. 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. Where the merchant offers cash advance in the services, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies for cash advances. 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 does not guarantee any product or service purchased using Gem Visa. All claims and representations are made by the merchant of the goods/services, and not by Gem. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.
24 Months Interest Free (Promotional)
Minimum purchase $500. Minimum monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards in the time range specified within the marketing campaign only. New customers must apply and be approved for a Gem Visa credit card. *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. 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. Where the merchant offers cash advance in the services, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies for cash advances. 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 does not guarantee any product or service purchased using Gem Visa. All claims and representations are made by the merchant of the goods/services, and not by Gem. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders.
Information Accuracy
Although we make reasonable efforts to update the information on our website about Gem Visa, we make no representations, warranties or guarantees, whether express or implied, that this content on our Website is accurate, complete or up-to-date. We also do not warrant or represent that the information regarding Gem Visa available through the website will meet your particular requirements or needs. We therefore suggest visiting https://www.gemfinance.co.nz/credit-cards/gem-visa-card/ or clicking the button below for the most accurate and up-to-date information.
