Gem Terms & Conditions

Enjoy brand new kitchen appliances now and pay it over time with our GEM Visa INTEREST FREE* options!

Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. To know more: GEM Visa

We have several options you can choose from:

Spend Min. $250, get 6 Months INTEREST FREE*

Spend Min. $1000, get 12 Months INTEREST FREE*

Spend Min. $1500, get 18 Months INTEREST FREE*

*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. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.   

Spend Max. $1200, get 12 Months INTEREST FREE with EQUAL MONTHLY PAYMENTS**

**Approved customers only. months of 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 regarding 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 annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Credit is provided by Latitude Financial Services Limited

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