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What is Interest Free?

Pay no interest during the promotional period provided you pay the ‘payment to reduce further interest’ amount in your monthly statement by the payment due dates. If you pay the outstanding balance in full before the end of the interest free period, you will avoid paying any interest. 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. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine29.95% p.a.) applies after any interest free term ends. Credit provided by Latitude Financial Services Limited.

Interest Free

Deferred Payment

  • 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
  • Minimum monthly payments must be made each month
  • Make additional repayments without penalty

Apply now to take advantage of Interest Free shopping

Choice of repayment plans

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

  • Credit criteria, exclusions, fees, terms and conditions apply

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 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends.

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 $52 for Gem Visa or $50 for CreditLine.

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

Interest Free Offers

  • 60 Months Interest Free* Storewide with 60 Equal Monthly Repayments

    *60 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $490. Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% p.a/Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Limited. Finance offers not available on Commercial and Educational pricing. Excludes all Apple products, gaming consoles, Microsoft Surface, Samsung Galaxy S, Note, Fold & Z Flip Range, drones, Sonos, Bose, Miele Whiteware/Cookware, Grey Lynn Studio and Outlet stores. Finance offer available for a limited time. 

  • 36 Months Interest Free* on the WilliamsWarn Brewery Systems

    *36 months interest free on the WilliamsWarn Brewery System. Minimum purchase $1000. From no deposit. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% 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. Credit provided by Latitude Financial Services Limited. Excludes Grey Lynn Studio and Commercial and Educational pricing.

  • 36 Months Interest Free* Storewide with 36 Equal Monthly Repayments

    *36 months of equal interest free instalments with Gem Visa/Gem CreditLine as an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase $490. Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% p.a/Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Limited. Finance offers not available on Commercial and Educational pricing. Excludes all Apple products, gaming consoles, Microsoft Surface, Samsung Galaxy S, Note, Fold & Z Flip Range, drones, Sonos, Bose, Miele Whiteware/Cookware, Grey Lynn Studio and Outlet Stores. Finance offer available for a limited time. 

  • 36 Months Interest Free* on Microsoft Surface with 36 Equal Monthly Repayments

    *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 $490. Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99 p.a/Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Limited. Excludes Commercial & Educational pricing. Finance offer available until 25/01/2022.

  • 36 Months Interest Free* on Apple Mac with 36 Equal Monthly Repayments

    *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 $490. Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99 p.a/Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free term. Credit provided by Latitude Financial Services Limited. Excludes Apple Mac CTO custom builds, iPhone, iPad, iPod, AirPod, Watch, Commercial & Educational pricing. Finance offer available until 31/01/2022.

  • 26 Months Interest Free* Storewide

    *26 Months Interest free. Minimum purchase $599. From no deposit. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine). Prevailing interest rate (currently Gem Visa 25.99% 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. Credit provided by Latitude Financial Services Limited. Finance offers not available on Commercial and Educational pricing. Excludes all Apple products, gaming consoles, Microsoft Surface, Samsung Galaxy S, Note, Fold & Z Flip Range, drones, Sonos, Bose, Miele Whiteware/Cookware, Grey Lynn Studio and Outlet Stores. Finance offer available for a limited time. 

  • No Interest and No Repayments for 15 Months* Storewide

    *15 months interest free with no repayments during the stated period. Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine). Minimum purchase $500. 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 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Credit provided by Latitude Financial Services Limited. Finance offers not available on Commercial and Educational pricing. Excludes all Apple products, gaming consoles, Samsung Galaxy S, Note, Fold & Z Flip Range, Sonos, Miele Whiteware/Cookware, Grey Lynn Studio and Outlet Stores.

  • 12 Months Interest Free* Storewide

    *12 Months Interest free. Minimum purchase $250. From no deposit. Credit and lending criteria and fees, including annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% 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. Credit provided by Latitude Financial Services Limited. Excludes Miele Whiteware/Cookware, Grey Lynn Studio and Outlet Stores

  • No Interest & No Repayments for 6 Months* Storewide

    *6 months interest free with no repayments during the stated period. Credit and lending criteria and fees, including annual fees ($52 Gem Visa/$50 Gem CreditLine) apply. Minimum purchase $99. 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 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Credit provided by Latitude Financial Services Limited. Excludes Miele Whiteware/Cookware, Grey Lynn Studio and Outlet Stores. Finance offer available until 31/01/22.

New to Interest Free? Apply for a Gem Visa now.

  1. Apply online
  2. Get a response in less than 60 seconds (responsible lending criteria applies)
  3. Once approved, start shopping right away

Apply for a Gem Visa now

Already have an eligible card? Start shopping today.

  1. Choose Interest Free when you checkout your purchase
  2. Enter your credit card or account details
    OR present your card when you shop in-store

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