Features of the new Gem Visa
I would like to...
Six reasons you'll be saying it's a gem
Automatically receive 6 months interest free on any purchase over $250 – anywhere, anytime, no catches.
It’s easy to keep track of all your interest free purchases online or on your monthly statement.
Even longer interest free terms
(one year, two years, or even more) are often available at more than 9,000 stores or healthcare providers Australia wide.¹
Plus, up to 55 days interest free
may be available on your other Gem® Visa purchases.²
Gem Visa payWave
gives you an exciting new way to use your credit card that is quick, easy and secure.
It's a Visa card
so you can use it everywhere Visa is accepted.
Shop with confidence
with Gem Visa’s Fraud Security, protecting you whenever you use your Gem Visa card.Help & Assistance
- What is interest free?
- Can I use my card for everyday purchases as well?
- What interest free options are available?
- What types of purchases are eligible for 6 months interest free?
- What types of purchases are eligible for longer interest free terms?
- What is the minimum purchase amount for interest free?
- Do I have to pay off my interest free purchase before I make another one?
Apply online now and get a response in less than 60 seconds!
Rates & Fees. Review Gem Visa's simple fees and charges in one easy to understand table.
Optional insurance cover. Protects you against future price reductions and will even repair or replace your purchase if its lost, stolen or damaged.³
Manage your account online. Access your statements online, update your detaills or even pay your bills with BPAY.
1 Approved applicants only. Conditions, fees and charges apply.
2 To receive up to 55 days interest free you must pay by the due date for the relevant statement the total of (a) the proportion of your minimum monthly payment derived from your unexpired interest free purchases, plus (b) your closing balance, less any unexpired interest free and buy now pay later purchases. See FAQs for more calculation details.
3 Terms, conditions and some exclusions apply. See the Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Policy for full details including details of limits that apply to the cover. Any advice on this page has been prepared without taking into account your own financial situation, needs and objectives. You should consider if this advice is right for you and read the Combined FSG, PDS and Policy before deciding whether to purchase this product. The insurers are Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469 and Hallmark General Insurance Company Ltd. ABN 82 008 477 647 AFSL 243478, both trading as GE Money.
2 To receive up to 55 days interest free you must pay by the due date for the relevant statement the total of (a) the proportion of your minimum monthly payment derived from your unexpired interest free purchases, plus (b) your closing balance, less any unexpired interest free and buy now pay later purchases. See FAQs for more calculation details.
3 Terms, conditions and some exclusions apply. See the Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Policy for full details including details of limits that apply to the cover. Any advice on this page has been prepared without taking into account your own financial situation, needs and objectives. You should consider if this advice is right for you and read the Combined FSG, PDS and Policy before deciding whether to purchase this product. The insurers are Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469 and Hallmark General Insurance Company Ltd. ABN 82 008 477 647 AFSL 243478, both trading as GE Money.
Gem is a registered trade mark in Australia of GE Capital Finance Australia (ABN 42 008 583 588). Credit facility provided by GE Capital Finance Australia, trading as GE Money.
Australian Credit Licence number 392145.
Australian Credit Licence number 392145.