Is Gem Visa right for you?
Enjoy 6 months Interest Free on Visa purchases over $250 1 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 12 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 12 months of buying it, we'll refund the difference.
If your card purchases are lost, stolen or damaged within 12 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 work for you.
Interest Free offers
Take advantage of 12, 18 and 24-month Interest Free payments plans from a range of retailers.
Find a participating store near you and start your Interest Free spending spree today.
Enjoy exclusive deals, discounts and offers by simply using your Visa card at home or overseas.
3 steps to enjoying your own
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.
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
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 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.
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.