What is the eligibility criteria to apply?
We are required to verify your identity and address and you must be at least 18 years old and a citizen, permanent resident of New Zealand or eligible to reside in New Zealand for 12 months or more to apply for a credit card.
Not everyone who applies is approved. A good credit history and general financial health is required and as a responsible lender, we must assess your financial circumstances to ensure the credit is affordable and meets your needs. Read more about how we assess credit history.
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:
- Approved
- Declined
- 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 become a Gem Visa Account Holder?
Gem CreditLine is no longer available to new customers and has been replaced by Gem Visa. We are unable to change or replace one product from another.
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 become a Gem Visa account holder, apply here
Please Note: The outcome of your Gem Visa application is subject to our lending criteria