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Update your home today!

It's never been easier to shop for what you want with an Interest Free* payment plan.

You can use an existing Gem Visa or CreditLine card, or apply for a Gem Visa now!

Gem Card Interest Free Plans

What is Interest Free?

Shop with confidence knowing you’ll pay no interest for the duration of your plan.

Choose an interest free payment plan that suits you.

New to Gem Visa? Apply online and get a response in 60 seconds. If approved, start shopping right away. Credit and lending criteria applies.

Equal Instalment Interest Free*

Pay the purchase price in fixed, equal, interest free monthly instalments. Instalment amount will be included in the minimum monthly payment amount shown on your monthly statement. If you pay all instalments on due date, no balance will be outstanding at the end of the instalment interest free term. Known as an Instalment Plan Advance with Gem Visa or a CreditLine Select advance with Gem CreditLine.

Interest Free*

A minimum monthly repayment of 3% of the total outstanding monthly balance or $20, (whichever is more), is required for the length of the promotional term. Paying only the minimum monthly repayment, will not be sufficient to repay the purchase amounts(s) within the promotional term. Please do not divide your total purchase amount by the promotional term, as the minimum monthly payment of 3% of the total outstanding balance may be initially higher than equal repayment amounts over the promotional term. Each month you will receive a statement outlining your minimum monthly repayment amount and your repayment options.

Deferred Interest Free*

Payment for your purchase will be deferred for the stated period. During the deferred payment period, no interest will accrue and no monthly payments need to be made. If you pay the outstanding balance in full before the end of the deferred payment period, you will avoid paying any interest. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will include interest and will be included in the minimum monthly payment amount shown on payment period (currently 29.49% p.a. for Gem Visa and 29.95% p.a. for Gem CreditLine).

Buy online or in-store
Choose payment plan that suits you
Pay no interest during interest free period
Apply online and get a response in 60 seconds and if approved, start shopping right away
Responsible lending criteria applies
Minimum monthly payments must be made each month
Make additional repayments without penalty
Buy online or in-store
Choose payment plan that suits you
Pay no interest during interest free period
Apply online and get a response in 60 seconds and if approved, start shopping right away
Responsible lending criteria applies
Minimum monthly payments must be made each month
Make additional repayments without penalty

Apply now to take advantage of Interest Free* shopping

Apply now

Applying for a Gem Visa is easy. Simply follow the steps below:

Gem Card Interest Free Plans

Apply online

Complete your online application in just 10-15 minutes.

Credit check

Submit income, employment details, and expenses. Include proof of income by sharing your online bank statements or uploading income documents.

Provide identification

All applicants must also provide a form of identification, e.g. NZ drivers licence, NZ Passport, International Passport.

Useful information to support your application can be found at: www.gemfinance.co.nz/supporting-documents

Choice of repayment plans

1
Credit criteria, exclusions, fees, terms and conditions apply
50 Months Interest Free* in the Furniture & Bedding Departments with 50 Equal Monthly Payments

50 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $1500. 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. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 provided by Latitude Financial Services Limited. Excludes Gift Cards, Commercial & Educational pricing. 

1
Credit criteria, exclusions, fees, terms and conditions apply
36 Months Interest Free* Storewide with 36 Equal Monthly Payments

*36 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $500. 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. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 provided by Latitude Financial Services Limited. Excludes Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
26 Months Interest Free* Storewide

*26 Months Interest free with Gem Visa/Gem CreditLine. Minimum purchase $599. From no deposit. 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. 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 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. Available on participating Gem Visa or Gem CreditLine cards only. 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. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes all Apple products, gaming consoles, Microsoft Surface, Samsung Galaxy S, Z Fold & Z Flip Range, drones, Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
24 Months Interest Free* Storewide with 24 Equal Monthly Payments

*24 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $250. 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 regarding 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. Excludes Apple Watch, mobile phones, gaming consoles, drones, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
18 Months Interest Free* Storewide with 18 Equal Monthly Payments

*18 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $250. 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 regarding 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. Excludes Apple Watch, mobile phones, gaming consoles, drones, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
No Interest and No Payments for 15 Months* Storewide

*15 months interest free with no repayments during the stated period with Gem Visa/Gem CreditLine. Minimum purchase $500. 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. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 cards only. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes all Apple products, gaming consoles, Samsung Galaxy S, Z Fold & Z Flip Range, Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
12 Months Interest Free* Storewide

*12 Months Interest free with Gem Visa/Gem CreditLine. Minimum purchase $250. From no deposit. 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. 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. 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. 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. Available on participating Gem Visa or Gem CreditLine cards only. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
12 Months Interest Free* Storewide with 12 Equal Monthly Payments

*12 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $250. 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 regarding 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. Excludes Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

1
Credit criteria, exclusions, fees, terms and conditions apply
No Interest & No Payments for 6 Months* Storewide

*6 months interest free with no repayments during the stated period with Gem Visa/Gem CreditLine. Minimum purchase $250. 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. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 cards only. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing. 

Fees and charges

Minimum monthly payments are required but you won't be charged interest if you pay off your purchase before the expiry of your interest free period. Prevailing interest rate (currently Gem Visa
29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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.

Standard fees and charges apply including:
Establishment Fee
A once off fee of $55 is charged for the processing of your Gem Visa application when you open your account and applied at the point of your first spend.

Annual Account Fee
A fee is charged at the anniversary of your account and is for maintaining the account for the previous 12 months. It is then charged each subsequent year the account remains open. The annual fee is $65 Gem Visa (charged $32.50 half yearly) and $65 Gem CreditLine (charged $32.50 half yearly).

Gem Visa and Gem CreditLine are provided by Latitude Financial Services Limited.

Interest free offers

50 Months Interest Free* in the Furniture & Bedding Departments with 50 Equal Monthly Payments

50 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $1500. 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. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 provided by Latitude Financial Services Limited. Excludes Gift Cards, Commercial & Educational pricing. 

36 Months Interest Free* Storewide with 36 Equal Monthly Payments

*36 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $500. 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. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 provided by Latitude Financial Services Limited. Excludes Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

26 Months Interest Free* Storewide

*26 Months Interest free with Gem Visa/Gem CreditLine. Minimum purchase $599. From no deposit. 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. 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 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. Available on participating Gem Visa or Gem CreditLine cards only. 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. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes all Apple products, gaming consoles, Microsoft Surface, Samsung Galaxy S, Z Fold & Z Flip Range, drones, Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

24 Months Interest Free* Storewide with 24 Equal Monthly Payments

*24 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $250. 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 regarding 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. Excludes Apple Watch, mobile phones, gaming consoles, drones, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

18 Months Interest Free* Storewide with 18 Equal Monthly Payments

*18 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $250. 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 regarding 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. Excludes Apple Watch, mobile phones, gaming consoles, drones, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

No Interest and No Payments for 15 Months* Storewide

*15 months interest free with no repayments during the stated period with Gem Visa/Gem CreditLine. Minimum purchase $500. 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. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 cards only. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes all Apple products, gaming consoles, Samsung Galaxy S, Z Fold & Z Flip Range, Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

12 Months Interest Free* Storewide

*12 Months Interest free with Gem Visa/Gem CreditLine. Minimum purchase $250. From no deposit. 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. 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. 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. 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. Available on participating Gem Visa or Gem CreditLine cards only. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

12 Months Interest Free* Storewide with 12 Equal Monthly Payments

*12 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa) and a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $250. 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 regarding 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. Excludes Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing.

No Interest & No Payments for 6 Months* Storewide

*6 months interest free with no repayments during the stated period with Gem Visa/Gem CreditLine. Minimum purchase $250. 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. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. 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 cards only. New customers must be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited. Excludes Sonos, Bose, Miele Whiteware/Cookware, NEFF, Gift Cards, Commercial & Educational pricing. 

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