Shop with Gem Visa at Smiths City

Shop today with more time to pay, at your local Smiths City - in-store and online, thanks to Gem Visa Credit Card.

You won't get tricky finance talk or banky language from Gem. Just flexible repayments and interest free terms tailored to you - with interest rates that are up front, clear and easy to understand. The perfect shopping partner, for purchases big or small.

Enjoy 6 months Interest Free on everyday purchases of $250 or more, when you shop in-store or online with your Gem Visa credit card.

Keep scrolling to learn more about our interest free offers with Gem, and how to apply for a Gem Visa credit card so you can get shopping sooner.

Available Long Term Interest Free Finance Offers

What makes Gem Visa different?

Gem makes it easy. They know you want things simplified. Apply your way, online or on the phone and enjoy flexible repayments and super simple account monitoring on your phone.

Ready to start shopping with Gem Visa?

If something's twisting your arm, treat yourself. Get it now, and pay for it...eventually.

Things to Know:

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)).
Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Excludes gift cards and some promotional items.

**T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies.

Credit provided by Latitude Financial Services Limited.

Further information on rates and fees can be found at gemfinance.co.nz