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Shop with Gem Visa at Smiths City

You won't get tricky finance talk or banky language from Gem. Just flexible repayments and interest free terms tailored to you. The perfect shopping partner, for purchases big or small.

To celebrate Gem being available at Smiths City, shop with a huge 60 Months Interest Free* on total purchases $1250 and over with Gem Visa – PLUS be in to win a share of 10,000 Airpoints Dollars™ with any Gem long-term interest free purchase made between 22 May - 18 June 2024^. Promotion terms, conditions, and exclusions apply.

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.

Cash Back Credit

Cash Back Credit

Swipe some awesome deals with your Gem Visa and get cash-back credit.

Long Term Interest Free Deals

Long Term Interest Free Deals

Get access to a huge range of interest free offers and payment plans.

Digital Self Service

Digital Self Service

Download the Latitude App to stay up to date on your balance, transactions and more.

Don't have a Gem Visa? Apply^ today.

Find Out More

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)). The annual fee will increase to $65 effective 12 June 2024.
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

^Smiths City Win a Share of 10,000 Airpoints Dollars Promotion Terms & Conditions


1. The promotion is valid from Wednesday 22 May 2024 to Tuesday 18 June 2024.

2. There are 10 prizes of 1,000 Airpoints Dollars to be won.

3. To validly enter the draw, you must:

a. Be a new or existing Gem Visa customer.

b) Apply for and complete an eligible long-term interest free purchase with Gem in-store at Smiths City or online at during the promotion period. Standard Gem Visa Card transactions are excluded.

c) Ensure your purchase is for personal purposes only. Trade and Commercial purchases are ineligible.

d) Have an active Airpoints account (or create an account upon being announced as a winner).

e) Be 18 years old or older at the time you enter.

Employees, contractors and immediate families of employees and contractors of the Promoter, their related entities and any other organisations associated with this Promotion, are ineligible to enter. A valid entry must fulfil all Promotion requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified, or your submission may be removed from eligibility, at the sole discretion of Smiths City.

4. Ten winners will be selected at random from the overall pool of valid entrants within 7 days of the promotion end date. Each winner will receive 1,000 Airpoints Dollars™. The draw for the Prize will take place at the offices of Smiths City 2020 Ltd., 550 Colombo Street, Christchurch. Winners will be notified via the contact details on their Smiths City customer account within 7 days of being drawn a winner. Smiths City shall have no liability for Winner’s failure to receive notification due to security settings, spam, or junk email or for Winner’s provision of incorrect or otherwise non-functioning contact information. In the event that a winner is ineligible, cannot be contacted, or fails to claim the prize within 7 days from the prize notification being sent, or fails to return completed and executed declaration and release as required, the prize may be forfeited and a new winner may be drawn. Should this occur, the original drawn winner will forfeit any claim to the prize. Smiths City is not obliged to attempt to contact you more than once, or other than by the contact method or details you supplied. Prizes cannot be exchanged or refunded for cash without Smiths City’s express permission which it may grant or withhold at its sole discretion.

5. Smiths City reserves the right to cancel this competition and to update the terms and conditions without notice.

6. Smiths City’s sole obligation under these terms is to conduct the prize draws and award the prizes as described. You acknowledge that Smiths City has no liability to you in respect of these draws and to the maximum extent permitted by law, Smiths City excludes any liability it may owe to you, however arising.


The Promoter is Smiths City 2020 Ltd., 550 Colombo Street, Christchurch.

Participation in the Promotion constitutes acceptance of these and the Specific Terms and Conditions.

The Promotion is governed by New Zealand law.

The Promotion is in no way sponsored, endorsed, administered by, or associated with Facebook or Instagram.

Entrants must be aged 18 years or over and a resident of New Zealand.

Prizes is not transferable, exchangeable or negotiable and is not redeemable for cash.

By entering, the Winner agrees to accept their prize as described and to be available for reasonable publicity purposes without compensation, including, but not limited to, photographs and interviews if requested. Entrants acknowledge that their details may be published in various media.

Entries that are incomplete or do not comply with these Terms are invalid.

The Promoters reserve the right, at any time, to verify the validity of entries and entrants as required (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions, or who tampers with the entry process.

The Promoters reserve the right to request the Winner provide suitable identification of proof of age, identity, and residence prior to awarding the Prize.

The draw for any unclaimed Prize will take place at the offices of Smiths City (2020) Ltd, 550 Colombo Street, Christchurch.

The Winner of the unclaimed Prize draw will be contacted by email. The Winner’s name may be published on our website, Smiths City Facebook page and any participating supplier's website or Facebook page.

The Promoters and any participating Suppliers reserve the right to announce and/or publish the Winner’s name and/or photograph for publicity purposes.

The Winner’s name may be published on our website, social media channels, and any participating supplier's websites or social media channels.

The Promoter and any participating Suppliers, may at their absolute discretion, suspend, cancel or recommence the Promotion if:

• for any reason the Promotion is not capable of proceeding as planned;
• the Promotion is corrupted, or the administration, security, fairness, integrity or proper conduct of the Promotion is affected; or
• if the determination of the winners or delivery of prizes is prevented or hindered by any event outside the Promoters control, subject to approval by relevant regulatory authorities.
• Except for any liability not excluded by law, entrants release and indemnify the Promoters and any participating Suppliers from and against all actions, claims and liabilities, that the entrant now has, or in the future may have, against the Promoters and any participating Suppliers for any loss, damage or injury (including any special or consequential loss) suffered as a direct or indirect result of the Entrant's participation in the Promotion.

The Promoter’s decision in relation to this Promotion is final and binding on entrants and the Promoters will not enter into any correspondence.

By entering the Promotion, entrants consent to their personal information being used by the Promoters, any participating Suppliers and/or its related entities for the purpose of conducting this Promotion, notifying the winner and distributing the prize. All personal details of the entrant will be stored at the offices of the Promoters. A request to access, update or correct any information should be directed to that office.

Employees, contractors and immediate families of employees and contractors of the Promoters, their related entities and any other organisations associated with this Promotion, are ineligible to enter.