Features of the new Gem Visa
Use your Gem Visa with confidence
Your Gem® Visa credit card and account are protected by the toughest possible card security measures – on the card itself, whenever you shop and when you access your account.
Chip protection
The in-built chip in your Gem Visa credit card provides increased protection against fraud, reducing the chance of your personal details being copied if your card is lost or stolen.
PIN protection
You should never share your PIN. As soon as you receive your PIN, memorise it and destroy the letter. Never keep a record of your PIN, especially not in your wallet or purse or on your Gem Visa credit card.
Your PIN is especially important when travelling overseas as you need it in many countries to access your account.
If you’d like to change your PIN to something easier to remember, simply call us on 1300 559 082.
Fraud management
The Falcon™ fraud management system identifies unusual activity on your credit card. As soon as a suspect transaction is detected, our card security experts are alerted so they can review it and take any necessary action.¹
Protection online
Outstanding online security means you can be confident when you’re managing your Gem Visa account online. Our system checks for any unauthorised access every time your account is accessed online.
Verified by Visa
With Verified by Visa, online shopping is more secure than ever. Verified by Visa verifies your purchases in real time, whenever you shop online to help reduce credit card fraud and unauthorised credit card use.
Money back guarantee
If there's a fraudulent transaction on your Gem Visa credit card, you will not be held liable if you have not contributed to the loss and notified us promptly of the theft, loss or misuse.²
Shopper’s Protection
Consider getting credit card insurance to protect the things you buy, and protect your Gem Visa balance if you get sick or lose your job.³
Apply online now and get a response in less than 60 seconds!
1. FALCON™ FRAUD PROTECTION software is a product of Fair Isaac Corporation and is used under licence from Fair Isaac Corporation. FALCON™ and FALCON™ FRAUD PROTECTION are trademarks owned by Fair Isaac Corporation and used with the permission of Fair Isaac Corporation.
2. And you’ve abided by the Conditions of Use (COU).
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. A copy can be found at here. 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. And you’ve abided by the Conditions of Use (COU).
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. A copy can be found at here. 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.