Gem Visa

  • 6 months interest free on all purchases over $2501
  • Long-term interest free at thousands of retailers
  • 55 days interest free on purchases under $2502
GEM Visa Card

You can do more of the things you love with Gem Visa. Every time you make a purchase over $250, you’ll automatically receive 6 months interest free. So when you pay a bill, book a flight, eat out or do your shopping and spend over $250, you can pay it back over time, without having to pay any interest during the interest free period.

And if you purchase a big-ticket item on your Gem Visa at thousands of participating retailers across Australia, you’ll enjoy longer interest free terms from 12 to 24 months and sometimes even more. Better yet, you can still use your Gem Visa just like a normal visa card for everyday purchases.

Rates & fees

Description Charge
Annual fee$99
Interest rate22.99% pa2
Monthly account keeping feen/a
Establishment feen/a
Interest free daysUp to 55 days3
Long term interest free days6 months interest free with Visa purchases over $250

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

2The 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.

3To 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.