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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
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