Gem Visa card

Gem Visa

Love Shopping?
How does 6 months interest-free on purchases over $2501 sound?

Apply now

Is Gem Visa right for you?

0% Interest

Enjoy 6 months interest-free on Visa purchases over $2501 and up to 55 days 2 interest-free on purchases under $250.

Streamlined rates and fees

Our rates are easy to understand and you’ll only have to pay one manageable annual fee.

Safe and secure

Shop in the knowledge that your card and account are protected by stringent

Safeguard your spending

Make sure your Gem Visa account is covered with

Call our Gem Visa team on 1300 630 977
Mon - Fri, 8:30am - 7pm (AEST)
Sat, 9am - 5pm (AEST)

Get your own Gem Visa now.

Interest rates and fees

Interest Rates

% p.a.
for 6 months on everyday Visa purchases over $2501
% p.a.
for up to 55 days2 on everyday Visa purchases under $250
% p.a.3
standard Visa purchase interest rate
% p.a.3
on cash advances


Annual fee$99
Monthly account keeping fee$0
Establishment fee$0
Paper statements$2.50 per statement
Cash advance fee $3 or 3% of the cash advance, whichever is greater. You’ll never pay more than $30
International transaction fee 3% of the purchase or cash advance
Late fee $20
Payment handling fee $2.50 (in person)
$0.95 (online)

Making the most of your Gem Visa

Everyday use

There are lots of ways to make your Gem Visa work for you.

Discover them all

Special offers

Take advantage of 12, 18 and 24-month interest-free payments plans from a range of retailers.

View offers

Start shopping

Find a participating store near you and start you interest-free spending spree today.

Find a store

3 steps to enjoying your own Gem Visa


Apply online

Check your eligibility and complete your application in less than 10 minutes.


Get your approval

We will give you a response on your application in under 60 seconds.


Get your card

If approved, you’ll be able to shop with your account number straight away.

Cover yourself with credit card insurance

You never know what’s going to happen down the track, so why not take out insurance to protect yourself against the unexpected. Apply for this cover as part of your application or at any time after by calling us.
Free call on 1800 800 230.

Application checklist:

To be eligible, you must be:
  • At least 18 years of age
  • A permanent resident of Australia
And make sure you provide the following:
  • Driver’s licence, passport or proof of age card
  • Details of your income, assets and liabilities
  • Your employer's name and contact number

Call our Gem Visa team on 1300 630 977
Mon - Fri, 8:30am - 7pm (AEST)
Sat, 9am - 5pm (AEST)

Get your own Gem Visa now.

Frequently Asked Questions

Application and activation

Your credit limit

Managing your account

Can’t find what you’re looking for?

Important Information

1 Extended interest free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.

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.

3 The same rate applies to interest bearing balances such as cash advances and outstanding retail purchases balances after an interest free promotion period is over. Interest on over $250 interest free or promotional purchases is not backdated, so you only pay interest on the remaining balance of those purchases from when your interest free period expires.