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Gem Visa is a credit card that may be used for anything.

All Visa purchases above $250 are eligible for a 6-month interest-free period.
It may also be used at over 2000 participating retailers in New Zealand for long-term retail financing.


You must do the following:

  1. Must be at least 18 years old.
  2. Be a New Zealand permanent resident.
  3. Able to provide:
  • Passports and driver’s licences are both acceptable forms of identification.
  • Details on income and expenses
  • Name and contact information for the employer
  • Your electronic mail address
*Conditions apply.

*Normal credit and lending conditions apply, as well as fees such as the $55 Gem Visa startup charge and yearly fees ($52 Gem Visa / $50 Gem CreditLine).Only paying the minimum monthly payback of 3% of the outstanding monthly debt or $20 (whichever is greater) will not be enough to reimburse the purchase amount(s) during the promotional period.

Your monthly statement will reflect the amount due.

On the expiration of the interest-free period, the prevailing interest rate (currently Gem Visa 25.99 percent p.a./ Gem CreditLine 29.95 percent p.a.) applies to any outstanding amount.

Latitude Financial Services Limited offers Gem Visa and Gem CreditLine.

Afterpay is always zero interest, and there are never additional fees when you pay on time. The only fees are for late payments. Afterpay will email your payment schedule and send notifications so there are no surprises..