• Available on participating Gem Visa credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*24 months interest free with no repayments required for the first 6 months. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fee of $65 Gem Visa (charged $32.50 half yearly) Minimum purchase $750. Payment for your purchase will be deferred for the stated period, during which, no interest will accrue and no monthly payments need to be made. The interest free period will continue after the deferred payment period, for the stated time which requires a minimum monthly payment. 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 interest free period. Interest rate currently Gem Visa 29.49% p.a. applies after any interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a fee of $2 Gem Visa applies. Available on participating Gem Visa cards. New customers must apply and be approved for a Gem Visa credit card. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.