Gem Visa

Terms & Conditions

 

6 Months Interest Free

6 months interest free.  Amount payable will be shown on your monthly statement. Normal credit and lending criteria and fees apply (including a $52 Gem Visa annual fee) Minimum purchase $250. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period. Gem Visa is provided by Latitude Financial Services Limited.

 

Fees and Charges

Minimum monthly payments are required but you won’t be charged interest if you pay off your purchase before the expiry of the interest free period. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period. To check prevailing interest rate, please contact Gem Visa.

 

Establishment Fee

A one off fee of $55 may be charged by Gem Visa for processing your application when you open your account or may be applied at the point of your first spend.

 

Annual Account Fee

A fee of $52 may be charged at the anniversary of your account by Gem Visa which is for maintaining the account for the previous 12 months. It may then be charged each subsequent year the account remains open.