*T&Cs & fees apply including a $55 Gem Visa establishment fee & 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 interest free term ends. Minimum spend $750. 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.

*T&Cs & fees apply including a $55 Gem Visa establishment fee & 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 interest free term ends. Minimum spend $750. 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.