Everyday Visa Credit Card

How to use your Gem Visa

Make the most of Gem Visa every day

PayWaveShow more

Pay with Visa PayWave

With Gem Visa, you have an even faster way to pay for purchases under $100. Avoid the queues and be on your way faster, all without swiping, signing or entering your PIN. Don’t worry – your security is still protected.

Just wave your card and go
  1. Look for the contactless symbol in store
  2. When prompted, hold your card near the reader
  3. You’re done – get on your way

Activate your CardShow more

How do I activate my card?

To activate your credit card call us on 1300 630 977 and follow the prompts. Don't forget to sign your card immediately

Why do I have to activate my card?

For security reasons, cards are sent to you inactive. Activating the card validates that it's been received by you.

Access CashShow more

How can I access cash with my Gem Visa?

You can use your Gem Visa to make cash withdrawals from any ATM displaying the Visa logo.

When withdrawing cash overseas, your account will be debited for the amount in Australian dollars at that day's exchange rate, for further details refer to your Conditions of Use. This is a much more convenient alternative to traveller's cheques or currency exchange vendors.

Interest on cash advances is charged from the date of withdrawal. Fees and charges will apply for cash withdrawals.

A daily cash limit may also apply.

Make an everyday purchaseShow more

Your Gem Visa can be used for everyday purchases, just like a normal credit card and receive up to 55 days interest free.2 You can use your Gem Visa anywhere Visa is accepted both in-store and online.

2To take advantage of up to 55 days Interest Free on every day credit card purchases, you need to pay the full closing balance (excluding un-expiring 0% Interest Payment Plans) on each statement of account by the applicable due date.

0% Interest Payment Plans Show more

How can I make a purchase using a 0% Interest Payment Plan?

To automatically receive 0% interest for 6 months on any Visa purchase over $250, all you need to do is pay using your Gem Visa – anywhere, anytime.

For longer 0% Interest Payment Plans, present your Gem Visa at any participating store. The sales person will let you know which 0% Interest Payment Plans are currently available. You can then purchase up to your available credit limit.

Online Access to Your Account Show more

Online Service Centre

We have been making some exciting changes to the Online Service Centre and you'll notice that it's become easier to use with better features. Some of the changes you'll see include:

  • Being able to view pending transactions immediately, without a delay
  • Our website is designed to adjust to any device - mobile, tablet or PC. Making it easier to read and navigate

As we make these improvements, rest assured that your account security is still our primary focus.

Need to register for the Gem Visa Online Service Centre?

Register now