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: 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 to any remaining balance on the expiry of the interest free term. Paying only the minimum monthly repayment of 3% of the outstanding 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.

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We have multiple locations across North Island. You can chat, call, or visit us in-store to find your best mattress and sleep essentials—all for your needs.

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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