Gem Credit Card – Review and Apply for Gem Credit Cards

We’ve compiled a list of Gem Credit Cards to help you choose the best Gem credit card to suit your needs. We have included the key information you need to help you make an informed decision. Use the credit card comparison table below to compare and find the best Gem credit card to suit your needs.

To apply for the Gem credit card, simply click on the apply button to review the card’s details on the Gem website before applying. For more information about the card, click more information to read our reviews.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

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*Terms and conditions apply

Updated: 14 Oct, 2024

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Gem Credit Cards

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Gem Visa Credit Card Gold Award	The Gem Visa credit card comes with a purchase rate of 29.49% and an annual fee of $65 p.a. Get 0% for the first 6 months on purchases $250 or more. T&Cs apply.	29.49% plus 0% interest for 6 months on purchases $250 or more. T&Cs apply.	N/A	29.95%	$65.00	55 days for purchases under $250 More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply

About Gem Credit Cards

Gem Credit Cards are offered by Latitude Finance in New Zealand. Aside from Credit Cards Gem offers a variety of financial services to help you manage your finances effectively and achieve your goals.

Personal Loans

Gem provides personal loans that can be used for various purposes, such as home improvements, travel, or unexpected expenses. These loans come with flexible terms and competitive interest rates.

Car Loans

If you are looking to purchase a new or used vehicle, Gem offers car loans with attractive rates and terms.

Credit Cards

Gem also offers credit cards that come with a range of benefits, including interest-free periods and promotional offers. These cards are designed to provide you with financial flexibility and convenience.

Understanding Latitude Financial Services

Company Background

Latitude Financial Services, also known as GEM Finance and Genoapay in New Zealand, is a prominent consumer finance company operating in both Australia and New Zealand. They offer a variety of financial products designed to meet the diverse needs of their customers.

Services Offered

Latitude provides a wide range of services, including:

• Personal loans
• Car loans
• Credit cards
• Interest-free and promotional retail finance

Recent Cyber Incident

Recently, Latitude Financial Services experienced a cyberattack that may have led to unauthorised access to personal customer information. If you believe you have been affected but have not received any communication from Latitude, it is advisable to contact them directly for more information and assistance.

How to Apply for Gem Financial Products

Application Process

Applying for Gem financial products is straightforward and can be done either online or over the phone. Here are the steps you need to follow:

1. Choose Your Product: Decide whether you need a personal loan, car loan, or credit card.
2. Visit the Website or Call: Go to the Gem New Zealand website or call their customer service.
3. Fill Out the Application: Complete the application form with your personal and financial details.
4. Submit the Application: Review your information and submit the application.
5. Wait for Approval: Gem will review your application and notify you of the decision.

Eligibility Criteria

To be eligible for Gem financial products, you must meet certain criteria:

• Age: You must be at least 18 years old.
• Residency: You should be a New Zealand resident.
• Income: You need to have a regular source of income.
• Credit History: A good credit history is often required.

Required Documentation

When applying for a Gem financial product, you will need to provide the following documents:

• Identification: A valid ID such as a passport or driver’s license.
• Proof of Income: Recent payslips or bank statements.
• Address Verification: A utility bill or rental agreement showing your current address.
• Credit History: Any documents that can support your creditworthiness.

Make sure to have these documents ready to speed up the application process.

Managing Your Gem Account

Online Account Management

Managing your Gem account online is straightforward and convenient. You can access your account anytime through their Latitude Service Centre or the Latitude App. Here, you can view your balance, make payments, and update your personal details. To get started, simply register your account online and follow the prompts.

Contacting Customer Service

If you need assistance you can reach them within New Zealand at 0800 500 505 from Monday to Friday, 9am to 6:30pm, and on Saturday from 11am to 8pm. If you are overseas, you can call +64 800 500 505. For general inquiries, you can also submit a request through their website.

Handling Complaints

Gem takes customer feedback seriously. If you have a complaint, you can contact their customer service team directly. They will guide you through the process and work to resolve your issue promptly. Additionally, you can find more information on their complaints policy on the Gem website.

Financial Hardship and Support Options

Hardship Care Programs

If you are struggling to make your repayments, it is important to reach out to Gem as soon as possible. Gem offers a dedicated Hardship Care Team to assist you. They can provide tailored support to help you manage your financial difficulties.

Loan Restructuring

In some cases, you may be eligible for loan restructuring. This can involve adjusting your repayment schedule or modifying the terms of your loan to better suit your current financial situation. Contact Gem to discuss your options and find a solution that works for you.

Financial Counseling

Gem also provides access to financial counseling services. These professionals can offer advice on budgeting, managing debt, and planning for the future. Taking advantage of these services can help you regain control of your finances and work towards a more stable financial future.

Gem Visa and CreditLine Details

Interest Rates and Fees

When you use a Gem Visa or Gem CreditLine, certain fees and interest rates apply. For Gem Visa, there is a $55 establishment fee and a $65 annual fee, which is charged in two installments of $32.50 every six months. For cash advances, the interest rate is slightly higher than the standard rate plus a $2 fee.

Promotional Offers

Gem Visa offers various promotional deals that provide flexibility and freedom. You can enjoy interest-free shopping on selected items and get cash back on certain purchases. These promotions are available only on participating Gem Visa or Gem CreditLine cards.

Terms and Conditions

To apply for a Gem Visa credit card, new customers must meet the credit and lending criteria. The terms and conditions include the establishment and annual fees, as well as the interest rates that apply after the interest-free period ends. For more detailed information, you can visit the Gem Finance website.

Frequently Asked Questions

What services does Gem offer in New Zealand?

Gem provides a variety of financial services including personal loans, car loans, credit cards, and interest-free retail finance.

How can I apply for a Gem financial product?

You can apply for Gem financial products online through their website. You’ll need to complete an application form and provide necessary documents.

What happened during the recent cyber incident at Latitude Financial Services?

Latitude Financial Services experienced a cyberattack that may have led to unauthorised access to customers’ personal information. They are currently reaching out to affected customers.

What are the eligibility criteria for Gem loans?

To be eligible for a Gem loan, you must be a New Zealand resident, be at least 18 years old, and have a regular income. Additional criteria may apply depending on the loan type.

How does Gem protect my personal information?

Gem has data protection policies in place to safeguard your personal information. They have also taken additional steps following the recent cyber incident to enhance security.

Who should I contact for customer support?

For customer support, you can contact Gem’s customer service team via phone or through their website. They are available Monday to Friday from 9am to 6:30pm.