Is Gem Visa right for you?
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
Our fraud protection promise to you
Your Gem Visa card is protected by robust security measures – both when you shop in-store and online – so you can spend safe in the knowledge that we’ve always got your back.
Stopping fraud in its tracks
As soon as a suspect transaction is detected, our card security experts get to work immediately reviewing any suspicious activity while taking necessary action.
Shop securely online with Verified by Visa
The moment you make a purchase online, Verified by Visa validates it in real-time to help reduce credit card fraud and unauthorised credit card use.
Money back guarantee
If there is fraudulent activity on your Gem Visa card, you will not be held liable – provided you notify us promptly, have not contributed to the loss and have stuck to the Conditions of Use.
Safeguard your spending
Shopper’s Protection Insurance covers your Gem Visa monthly repayments in the event that your income is stopped due to illness, injury or involuntary unemployment.
It also covers your purchases for any theft, price reduction or accidental damage that occurs within the first 6 months.
Here’s how it works:
This means never having to miss out on the sales again. If you buy something with your Gem Visa card and see it has dropped in price at the same retailer within 6 months of buying it, we'll refund the difference.
If your card purchases are lost, stolen or damaged within 6 months of buying them, we'll refund any repair or replacement costs straight to your account.
Stolen Card Protection
If your Gem Visa card is stolen, we'll pay $200 to your account just for the inconvenience.
If you lose your job, or can't work due to sickness or injury, we'll pay the balance of your account, up to $5000. If you should die, we'll pay the balance in full – up to $20,000.
You can enjoy the peace of mind of Shopper’s Protection for just 1% of your monthly closing balance -- up to a maximum of $50 per month. It’s automatically debited from your card account, so there aren’t any hidden costs or extra bills to pay and you’ll always see the premium on your statement.
Interest rates and fees
|Monthly account keeping 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|
|Payment handling fee||$2.50 (in person)
Making the most of your Gem Visa
There are lots of ways to make your Gem Visa work for you.Discover them all
Take advantage of 12, 18 and 24-month interest-free payments plans from a range of retailers.View offers
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
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
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
Frequently Asked Questions
Application and activation
Like most financial institutions, we work on a credit check system and we consider if the card is unsuitable for you given all the circumstances. We also need to make sure we are identifying the right person, to prevent fraud. We take many things into consideration when reviewing an application. And, while we don’t disclose the specific details of our criteria, if you’re declined we’ll let you know in writing.
If you apply online and provide all the necessary information, we can give an answer on your application within 60 seconds in most instances. If you apply in-store you'll also receive a response quickly.In some instances further information may be required to process an application. If further information is required we will inform you during the application process.
You will need to activate your card before you start to use it. (This helps us ensure the right person has received your card). Don't forget to sign your card immediately.To activate your card call 1300 630 977. When you are activating your card, please follow the prompts to select your own Personal Identification Number (PIN). After this your card will be ready for use.
To activate your card call 1300 630 977. When you are activating your card, please follow the prompts to select your own Personal Identification Number (PIN). After this your card will be ready for use.
Your credit limit
You’ll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. You should only receive one over limit alert between each statement period. There are no charges for going over your credit limit.We recommend checking your transactions and monitoring your balance via the Online Service Centre. If you're not yet registered, register now.
If you apply online you’ll be notified of your credit limit when your application is approved.Your credit limit can also be found on the top right of your monthly Gem Visa statement. Alternatively, you can log onto the Online Service Centre to check it at any time. It’s important to note that your credit limit can be different from your available cash limit.
Your available cash limit can be found under ‘Account Summary’ in the Online Service Centre. It’s also available on your statement. It’s important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
We are able to review your credit limit every 6 months.
Managing your account
To share the benefits of Gem Visa with a family member or loved one, add an additional cardholder using our online application form.
You can make an insurance claim online or by downloading a form. Make a claim and find out more.
If you are having difficulty making your minimum monthly repayments please talk to us. The sooner you contact us, the more likely we will be able to assist you. Call us on 1800 220 718 (9am - 5pm, Monday to Friday AEST).