Gem Visa 0% Interest Free

Some purchases just can’t wait. Now they don’t have to. 

Gem Visa’s 0% Interest Payment Plans are the clever way to pay, with flexible payment options catered to suit your budget and lifestyle.

Whatever the purchase, Gem Visa gives you access to the things you need now.

You have the flexibility to make extra payments at any time to reduce your balance, and interest is only calculated on any remaining balance at the end of your 0% interest period – and is not backdated.

There are three 0% Interest Payment Plans

Interest Free 

Minimum Monthly + Flexible Payments

You need to make a minimum payment each month. Remember, paying only the minimum monthly payment will not pay out the balance of the plan, but you have the flexibility to make extra payments at any time. Plans start from 6 months.

“I want to pay a minimum payment each month, but chip in extra where I can”

Buy Now, Pay Later  

One Lump Payment

You don't need to make any payments during the promotional period. However, you can make payments at any time. Plans start from 3 months.

“I want to pay when it suits me”

Instalment Interest Free

Equal Monthly Payments

With equal monthly payments, you'll know exactly how much to pay each month. Plans vary and are only available during select promotional periods.

“I want to keep it simple and pay the same amount every month”

- Provided the total balance of your purchase is paid before the end of the 0% interest period, you will not pay any interest on any of these plans on your purchase.1

For more information about Gem Visa and 0% Interest Payment Plans, check out our fact sheet.  Download the Fact Sheet Here


Everyday 0% interest with Gem Visa

You can also use your Gem Visa as an everyday credit card for things like shopping, travel or treating yourself to something amazing! You’ll receive 0% interest for 6 months on any Visa purchase over $250 – anytime, anywhere.

Plus you’ll enjoy 0% interest for up to 55 days^ on any Visa purchase under $250, all for an annual free of $99. Perfect for life’s day-to-day necessities.

It’s a gem.

0% interest for 6 months on any Visa purchase over $250

0% interest for up to 55 days^ on everyday purchases under %250


1 Extended interest free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.

^To take advantage of up to 55 days Interest Free on everyday credit card purchases, you must pay the full balance of the account (excluding unexpired Interest Free promotional plans) both for the statement before the purchases were made, and for the statement on which the purchases are listed.  

 Gem is a registered trade mark in Australia of Latitude Finance Australia    (ABN 42 008 583 588). Credit facility provided by Latitude Finance Australia. Australian Credit Licence number 392145.