Interest Free*


Long term payment plans let you break your bigger purchases into flexible monthly repayments.

Pay on a plan with participating Gem credit cards. Minimum spend applies. Monthly payments required. T&Cs, card fees & other charges apply. Exclusions may apply.

Credit provided by Latitude Financial Services Ltd.

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How Interest Free payment plans work

MINIMUM MONTHLY PAYMENTS

  • You need to make a minimum payment each month, but have flexibility to make extra payments at any time.
  • Paying only the minimum each month will not pay the balance in full before the expiry of the plan.

PAYMENT PLANS

6 MONTHS

Minimum spend $150 for 6 months.
Exclusions may apply.

12 MONTHS

Minimum spend $800 for 12 months.
Exclusions may apply.

24 MONTHS

Minimum spend $2,000 for 24 months. Offer ends 04/12/2024.
Exclusions may apply.

GEM Interest Free FAQs

Gem Interest Free offers flexible interest free payment plans to suit your needs. From 6-12 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.


Your approved credit limit will depend on your financial situation. The minimum credit limit for Gem Visa is $1,000, there is a $65 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 $150. Gift cards are excluded.


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.


Important Information

Credit and lending criteria and card 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. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. 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