What is the approval criteria for Gem Visa?
Like most financial institutions, credit and lending criteria apply. We are also required to verify your identity and address. To be eligible, you must be at least 18 years of age and be a permanent resident of New Zealand.
You can apply for a Gem Visa today by clicking here.
I've applied, when will I get a decision on my Gem Visa application?
Once you’ve completed and submitted your application we will provide one of the following a responses within 60 seconds:
- More information needed
If we require more information, we’ll email you and let you know what we need. We’ll give you a call to follow up a few days later if we don’t hear from you.
What about the Gem Essential card?
We are no longer accepting applications for new Gem Essential accounts. Only existing customers (and their existing and future additional cardholders) who have qualified for Gem Essential, will be able to receive Gem Essential credit cards.
How do I change my CreditLine card to a Gem Visa?
Gem CreditLine is no longer available to new customers and has been replaced by Gem Visa.
Gem Visa is an everyday credit card which has many benefits including a range of exclusive interest free offers and you automatically get 6 months interest free on Gem Visa purchases of $250 or more.
If you would like to change to Gem Visa, you can:
- Live Chat with us in the Latitude App, or Latitude Service Centre
- Live Chat with us by clicking the blue chat icon in the bottom right hand corner of the screen or
- Give us a call on 0800 500 505 (Monday to Friday 10:30am to 6:30pm) to discuss your options.