GEM VISA
6 or 12 months Interest Free*
Spread an eligible purchase of $250 or more over an available Interest Free term with a Gem Visa credit card.
Minimum monthly payments required. Lending criteria, T&Cs and fees apply.
Apply for Gem VisaAT A GLANCE
More time to pay, without the guesswork
HOW IT WORKS
Four straightforward steps
- 1Build an eligible purchase
Add products totalling at least $250 to your cart.
- 2For 12 months at Dwights
Select Gem Interest Free at online checkout, or tell our team before paying in store.
- 3For 6 months via Latitude
Pay with Gem Visa, wait for the eligible purchase to post, then select the transaction in the Latitude App or Latitude Service Centre within 30 days. This plan is not automatic.
- 4Keep up with repayments
Make the required minimum monthly payments and plan to repay the purchase within the Interest Free term.
IMPORTANT INFORMATION
Fees, lending criteria and repayments
Available on a Gem Visa credit card. Minimum purchase $250. Minimum monthly payments required. The 12-month Dwights plan is selected at checkout. The 6-month plan is not automatic and must be selected in the Latitude App or Latitude Service Centre within 30 days after the eligible purchase posts.
Lending criteria, T&Cs and fees apply, including a $55 establishment fee and $65 annual fee ($32.50 half-yearly). The standard purchase rate applies after the Interest Free term ends: 29.49% p.a. until 22 September 2026 and 29.95% p.a. from 23 September 2026, subject to change.
*Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20, whichever is more, may not be sufficient to repay the purchase amount during the Interest Free term.
See Gem’s 6-month purchase-selection instructions and current Interest Free terms, rates and fees. Credit is provided by Latitude Financial Services Limited.
Ready to apply?
Applications and lending decisions are handled securely by Gem Finance.