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Enjoy now. Pay later.

Flexible interest free payment plans to suit your needs.

Approved customers only. Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan.

If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term.

If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.). Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and $55 annual fees - (charged $27.50 half yearly (Gem Visa/CreditLine)) apply. Credit is provided by Latitude Financial Services Limited.

Available for exisiting Gem Visa and Gem CreditLine customers.