Cart
What makes Gem Interest Free different?
Our long-term payment plans lets you break your bigger purchases into flexible monthly repayments.
Getting started
Check your eligibility and apply here or in-store.
Rapid-fire reply
60 seconds is all it takes for us to respond to your application (responsible lending criteria applies).
Choose your plan
Select a repayment schedule to suit you, then activate your card in the Latitude App.
Complete your purchase
All you need is your Gem account number and your mobile phone on hand for verification.
Eligible cards
NEW APPLICANTS: Apply now for a Gem Visa credit card^
Apply online in 10 minutes
Once approved, simply activate your card online using the Latitude app
In-store purchases: Head in-store and provide us with your photo ID and account number
Online purchases: Checkout using your Latitude Gem Visa account number and have your mobile phone on hand for verification
EXISTING CARD HOLDERS: Start shopping interest free now!
For online purchases choose Gem Interest Free as your payment method during checkout and simply enter your card or account number
Or visit your nearest store and present your card at checkout
Fees and charges may apply (please refer to your cards terms and conditions)
How Interest Free payment plans work
Instalment Interest Free
Keep it simple and pay the same amount every month.
With equal monthly payments, you’ll know exactly how much to pay each month.
Paying the instalment payment each month on time, will pay of the balance within the Interest Free period.
Interest Free
Pay minimum monthly amount but chip in extra when you can.
You need to make a minimum payment each month, but you have flexibility to make extra payments at any time.
Paying only minimum each month, will not pay the balance in full before the expiry of the plan.
Interest Free Deferred
Pay when it suits you
You don’t need to make any payments during the promotional period.
But you have flexibility to make extra payments at any time.
Available payment plans
6 Months Interest Free*¹
Minimum monthly payments required.
12 Months Interest Free*¹
Minimum monthly payments required.
24 Months Interest Free*²
Minimum monthly payments required.
12 Months Instalment Interest Free*³
Equal monthly payments required.
24 Months Instalment Interest Free*⁴
Equal monthly payments required
Things to know
Credit provided by Latitude Financial Services Limited. Interest Free offers are not available at any stores located in airports.
Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
(1) 6 or 12 months interest free:
Minimum purchase $250. Minimum monthly payments required. 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 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 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 Ltd. Interest Free offers are not available at any stores located in airports. Excludes gift cards and phone plans.
^(2) 24 Months Interest Free:
Minimum purchase $500. Minimum monthly payments required. 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 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 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 Ltd. Interest Free offers are not available at any stores located in airports. Excludes gift cards and phone plans.
(3) 12 months interest free with equal monthly payments:
Equal monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Approved customers only. 12 months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan. If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term. If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.). Credit and lending criteria and fees, 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)) apply. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. 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. Credit is provided by Latitude Financial Services Limited. Interest Free offers are not available at any stores located in airports. Excludes gift cards and phone plans.
(4) 24 months interest free with equal monthly payments:
Equal monthly payments required. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Approved customers only. 24 months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan. If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term. If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.). Credit and lending criteria and fees, 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)) apply. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. 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. Credit is provided by Latitude Financial Services Limited. Interest Free offers are not available at any stores located in airports.Excludes gift cards and phone plans.
Further information on rates and fees can be found at gemfinance.co.nz
^Discounts apply to previous ticketed/advertised price prior to the discount offer. As we negotiate, products will likely have been sold below ticketed/advertised price prior to the discount offer. Prices may differ at airport stores.