The Gem Visa is designed to make shopping easier with interest-free offers and flexible payment options. Below, we’ll guide you through the application process and share useful insights on managing your card effectively.
Eligibility requirements for the Gem Visa
✔️ Must be 18 years or older
✔️ Must be a permanent resident of New Zealand
✔️ Income and expenses information required
✔️ Valid email address and government-issued ID
Documents needed
📄 Passport or Driver’s License for ID verification
📄 Income details and recent bank statements
📄 Contact details of your employer
Once you meet these requirements, the application process is quick and convenient.
How to apply for the Gem Visa
Applying for the Gem Visa is simple and can be done entirely online. Visit the official Gem Visa website, go to the credit card section, and click on “Apply Now.” Complete the application form with your personal and financial details, and upload the necessary documentation directly.
Once submitted, Gem Visa generally responds within a minute, although it may take a few business days if additional verification is required. If approved, you can start using your card right away with digital cardless payment options.
Schedule your payments!
To stay on top of payments, set up direct debits or use internet banking to ensure your minimum monthly payment is made on time. With up to 55 interest-free days on eligible purchases, paying the full balance by the due date helps you avoid interest charges.
Payments are also easy with Apple Pay, Google Pay, and Garmin Pay, which add flexibility and security to your transactions.
Fees and costs to consider
The Gem Visa has an annual fee of $65, billed in two $32.50 installments. Purchases over NZD 250 enjoy a 0% interest rate for the first six months, while cash advances have a 29.95% interest rate.
A one-time establishment fee of $55 applies, and a 2% international transaction fee is charged for overseas purchases. Late fees and other charges may apply if payments are missed.
Overview of the Gem Visa
The Gem Visa is a practical choice for frequent shoppers, offering flexibility with its interest-free periods, secure payment methods, and streamlined online application. The card’s features are ideal for those who value convenient spending management and digital payment options, all while minimizing fees and interest costs.
Ready to take the next step?
Click below to apply for the Gem Visa and explore how this card can enhance your purchasing experience.