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Pay off your debt faster with a low 0.99% p.a. balance transfer rate for 6 months on a Gem Visa credit card. New customers only and must be approved from April 15 - July 31, 2025. Gem Visa T&Cs and fees apply including a $55 establishment fee & $65 annual fee (charged $32.50 half-yearly). Interest rate currently 29.49% p.a. applies after offer term ends. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz

Make your money go further with 6 months Interest Free on everyday purchases of $250 or more with a Gem Visa credit card. T&Cs & fees apply incl. a $55 estb. fee & $55 annual fee (charged $27.50 half yearly). Interest rate currently 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited. | Gem