GEM Visa

Don’t spin out over tech buys, Interest free.

Buy iPhones, Samsung devices, laptops or tablets at Mobile City and enjoy 0% interest for 6 months on purchases over $250 with Gem Visa.

Shop iPhone or Samsung Today!

What makes Gem Visa different?

6 Months Interest Free

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

Long Term Interest Free Deals

GEM is joined with some of New Zealand’s leading brands so you can enjoy long term interest free deals.

Digital Self-servicing

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

How to apply

Apply online

Check your eligibility and apply online. Click here to apply!

Wait a minute

60 seconds is all it takes for GEM to respond to your application (responsible lending criteria applies). If GEM requires further details, the response may take up to 5 business days.

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 citizen or reside in New Zealand (for at least the next 12 months)

Able to supply:

  • Passport or Driver’s License
  • Income and expense details (E.g. sharing your bank statement online or uploading documents)
  • Employer’s name and contact details
  • A valid email address and NZ mobile number

Frequently asked questions

Application & activation

What is the approval criteria for Gem Visa?

As a responsible lender, GEM is required to assess your financial circumstances to ensure the credit is affordable and meets your needs. GEM is also required to verify your identity and address. To be eligible, you must be at least 18 years of age and a citizen, permanent resident of New Zealand or eligible to reside in New Zealand for 12 months or more.

When will I get a decision on my application?

Once you’ve completed your application and submitted it GEM will provide a response (approved, declined, need more information) within 60 seconds. If GEM require more information, GEM will email you to let you know what GEM needs. GEM will give you a call to follow up a few days later if GEM don’t hear from you.

Can I use my card straight away?

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 0800 500 505 . 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.

How do I activate my credit card?

Choose your PIN here or call 0800 500 505 and follow the prompts. It only takes a couple of minutes.