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Gem Visa


  • Minimum purchase of $130 for 15 months deferred.  
  • A helloworld Travel fee of 2.5% applies
  • Offer available for in-store purchases only 

Don’t have a Gem Visa card? Click here to apply before you head in-store.


*Terms and Conditions
*15 MONTHS, NO INTEREST & NO PAYMENTS: Minimum purchase is $100. Normal credit and lending criteria and fees (including a $55 establishment fee and a $52 annual fee for Gem Visa and a $50 annual fee for Gem CreditLine) apply. A helloworld Travel fee of 2.5% applies. GENERAL: Offer available for in-store purchase only. Payment for your purchase will be deferred for the stated period. During the deferred payment period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in the minimum monthly payment amount shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95%) applies to any outstanding balance on the expiry of the interest free period. Gem Visa/ Gem CreditLine is provided by Latitude Financial Services Limited.