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Gem Visa's 0% Interest Payment Plans are the clever way to pay, with flexible payment options catered to suit your budget and lifestyle.

Whatever the purchase, Gem Visa gives you access to the things you need now.

You have the flexibility to make extra payments at any time to reduce your balance, and interest is only calculated on any remaining balance at the end of your 0% interest period – and is not backdated.

There are three 0% interest Payment Plans

Minimum Monthly + Flexible payments

Minimum Monthly + Flexible payments

You need to make a minimum payment each month. Remember, paying only the minimum monthly payment will not pay out the balance of the plan, but you have the flexibility to make extra payments at any time. Plans start from 6 months.

I want to pay a minimum payment each month, but chip in extra where I can

One Lump Payment

One Lump Payment

You don't need to make any payments during the promotional period. However, you can make the payments at any time. Plans start from 3 months.

I want to pay when it suits me

Equal Monthly Payments

Equal Monthly Payments

With equal monthly payments, you'll know exactly how much to pay each month. Plans vary and are only available during select promotional periods.

I want to keep it simple and pay the same amount every month

Provided the total balance of your purchase is paid before the end of the 0% interest period, you will not pay any interest on any of these plans on your purchase.*

For more information, or to apply,
contact our sales team on 1300 557 073,
chat online (available at laptop & desktop),
or email

*Approved customers only. Available on advertised or ticketed price, from excluding brand/ specific product. Monthly payments must be made during the promotional period. Interest and payments are payable after the interest free period expires. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. A $99 annual fee for Gem Visa applies. At the end of the plan, interest will be charged at 24.99%. This notice is given under the Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available GO MasterCard customers. Other conditions, fees and charges apply, see relevant product websites for details. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145.