Get 6 or 12 months interest-free on any purchase over $250. Inquire in-store for longer interest-free options

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Things you should know: Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and $52 annual fee (charged $26 half-yearly) apply. The prevailing interest rate (currently 28.99% p.a.) applies to any remaining balance on the expiry of the interest-free period. 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. The amount payable will be shown on your monthly statement.

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Frequently asked questions

  • What is the minimum payment on Gem Visa?
    Minimum monthly repayments required. 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.
  • How do Gem Visa payments work?
    For our standard interest free terms, each purchase requires a minimum monthly payment of 3% of the owing balance (in total - or $20, whichever is greater). For instalment interest free terms, a fixed monthly payment is required in order to have this paid off by the interest free expiry date.
  • Can I use my Gem Visa to pay bills?
    Gem Visa is loaded as a bill payee with most major banks. Select Gem Visa from your bill payments options and follow the instructions to set up regular payments.
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