Gem Visa Credit Card

Gem Finance is a New Zealand financial institution providing credit cards, personal loans, insurance and retail finance.

Gem credit card

Gem only offers one credit card product:

Gem Visa Credit Card

Gem Visa Card


  • Six months interest free on all purchases $250 and over
  • 0% p.a. on long-term deals at some of NZ’s leading brands

Fees and charges:

  • $52 annual fee
  • $55 establishment fee
  • Purchase interest rate: 25.99% p.a.


Canstar’s free comparison tool gives you the ability to compare Gem credit card products with those from other lenders in the credit card market. For more details, just click on the button below.

Compare Credit Cards with Canstar

Written by: Andrew Broadley | Last updated: January 26, 2022