Gem Visa interest free

0% Interest

Pay it on a Plan with 0% interest

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Some purchases just can’t wait. With Gem Visa they don't have to

You’ll get access to:

0% Interest Payment Plans at thousands of retailers.
0% interest for 6 months on everyday Visa purchases over $250.
0% interest for up to 55 days^ on everyday purchases under $250.

0% Interest Payment Plans

0% Interest Payment Plans logo

Gem Visa’s 0% Interest Payment Plans give you flexible payment options that allow you to enjoy the things you need now. Whether it’s travel, technology, fashion or more, Gem Visa puts you in charge.

You have the flexibility to make extra payments at any time to reduce your balance, and interest is only calculated on any remaining balance at the end of your 0% interest period – and is not backdated.

There are three plans available

Find out how to pay it on a plan with 0% interest.

  • Interest free

    “I want to pay minimum monthly payments, but chip in extra where I can”

    • Interest Free

    Minimum Monthly + Flexible Payments

    You need to make a minimum payment each month. Remember, paying only the minimum monthly payment will not pay out the balance of the plan early, but you have the flexibility to make extra payments at any time. Plans start from 6 months.

    Provided the total balance of your purchase is paid before the end of the 0% interest period, you will not pay any interest on any of these plans on your purchase.1

  • Buy now, pay later

    “I want to pay when it suits me”

    • Buy Now, Pay Later

    One Lump Payment

    You don't need to make any payments during the promotional period. However, you can make payments at any time. Plans start from 3 months.

    Provided the total balance of your purchase is paid before the end of the 0% interest period, you will not pay any interest on any of these plans on your purchase.1

  • Instalment interest free

    “I want to keep it simple and pay the same amount every month”

    • Instalment Interest Free

    Equal Monthly Payments

    With equal monthly payments, you'll know exactly how much to pay each month. Plans vary and are only available during select promotional periods.

    Provided the total balance of your purchase is paid before the end of the 0% interest period, you will not pay any interest on any of these plans on your purchase.1

Everyday 0% interest with Gem Visa

From travel, to shopping, or treating yourself with something amazing, you’ll receive 0% interest on any Visa purchase over $250 – anytime, anywhere.

Plus you’ll enjoy 0% interest for up to 55 days^ on every purchase under $250, all for an annual fee of $99.

It’s a gem.

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  1. 1. Interest applies if you do not comply with the terms and conditions.
  2. ^To take advantage of up to 55 days Interest Free on everyday credit card purchases, you must pay the full balance of the account (excluding unexpired Interest Free promotional plans) both for the statement before the purchases were made, and for the statement on which the purchases are listed.