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Low Rate Card

Get 0% interest on Apple Products with Gem Visa

Buy the Apple products you love with 0% interest when you shop with your Gem Visa at Apple.* See the latest 0% interest offers at the Apple website.

Apply Now
*Gem Visa T&Cs and fees apply including a $55 establishment fee and $65 annual fee (charged $32.50 half-yearly). Prevailing interest rate (currently 29.49% p.a.) applies to any remaining balance on the expiry of the interest free term. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Available to approved Gem Visa credit card customers only. Credit provided by Latitude Financial Services Ltd.
Apply now at Apple

What makes Gem Visa different?

6 months interest free*

Spend $250 or more,* anywhere Visa is accepted. Use it instore, online and worldwide.

Ready, set, tap

Instant cardless payment feature where you can apply and once approved start shopping within minutes.

Gem Visa deals

We've joined with some of New Zealand's leading brands so you can enjoy long term interest free deals.* Find out more here.

Stay up to date 24/7

Download the Latitude App and stay up to date on your balance, transactions and more.

Rates, Fees & Conditions Of Use

0

%
p.a.
for 6 months on all Visa purchases $250 and over*

0

%
p.a.
on long term deals at some of NZ's leading brands*

29.49

%
p.a.
prevailing interest rate applies after any interest free term ends* (29.95% p.a. from 23/09/26)

29.95

%
p.a.
cash advance interest rate*

$55

establishment fee
(one off)*

$65

annual account fee*
(charged $32.50 half-yearly)

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

Apple PayGoogle PayGarmin Pay

How to apply

  1. Apply online
    Check your eligibility and apply online.
  2. Wait a minute
    60 seconds is all it takes for us to respond to your application (responsible lending criteria applies). If we require further details, the response may take up to 5 business days.
  3. Ready, set, shop
    Instant cardless payment feature where you can apply and once approved start shopping within minutes.

Eligibility

You must:
  • Be 18 years or over
  • Be a permanent resident of New Zealand
Able to supply:
  • Passport or Driver's License
  • Income and expense details
  • Employer's name and contact details
  • Your email address

Frequently asked questions

  • Application & activation
  • Your Credit Limit
  • Managing your account
  • Shopping at Apple
Gem CreditLine

Are you an existing Gem CreditLine customer?

Gem CreditLine

If you have a Gem CreditLine card, and don't want to switch to a Gem Visa, don't worry — your card will still work at over 2,000 retailers around New Zealand to access long term interest free deals.*

Find Out More

We're here to help

Live web chat Mon to Fri 8:00am - 6:30pm.Call our Gem Visa team on 0800 500 505Mon to Fri 10:30am - 6:30pm.

Apply now

Important information

* Lending criteria, T&Cs & fees apply incl. $55 estb. fee & $65 annual fee ($32.50 half-yearly). Interest 29.49% p.a. (subject to change) applies after this interest free term ends, and after any interest free term on other purchases. Paying only the minimum monthly repayment of 3% of the outstanding balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the interest free term. Amount payable will be shown on your monthly statement. Long term interest free offers may vary. Available at participating retailers to approved customers only. Further information on rates and fees can be found at gemfinance.co.nz. Available on Gem Visa credit cards only. Credit provided by Latitude Financial Services Limited.
Note: Effective from 23 September 2026, the interest rate will increase to 29.95% p.a.

Security
If there's a fraudulent transaction on your Gem Visa, you will not be held liable if you:

- have not contributed to the loss
- notified us promptly of the theft, loss or misuse
- have followed the Gem Visa Conditions of Use