Gem Visa

Love shopping?
How does 6 months Interest Free on purchases over $2501 sound?

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

Interest rates and fees

Interest rates:
0 % p.a.
for 6 months on everyday Visa purchases over $2501
0 % p.a.
for up to 55 days2 on everyday Visa purchases under $250
24.99 % p.a.^
standard Visa purchase interest rate
24.99 % p.a.^
on cash
advance

Fees:

Making the most of your

Everyday use

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

Special offers

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

Start shopping

Find a participating store near you and start you Interest Free spending spree today.

Special offers

Get exclusive offers and exciting experiences from Mastercard.

Travel inspiration

Discover your next escape with advice and travel tips from the most experienced travel writers and destination guides.

3 steps to enjoying your own

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.

Special offers

Get exclusive offers and exciting experiences from Mastercard.

Travel inspiration

Discover your next escape with advice and travel tips from the most experienced travel writers and destination guides.

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

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.

Frequently Asked Questions

Application and activation

Your credit limit

Managing your account

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.