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.