*Credit and lending criteria and fees including a Gem Visa $55 establishment fee and annual fees for ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50) half yearly)). A helloworld Travel fee of 3.5% applies. Prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95%) applies after any intertest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20, whichever is more will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine cards only. New customers must apply to be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz.