MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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GEM Visa Review

​Thinking of applying for a GEM Visa? Do you have a GEM Visa already? We comprehensively review fees, penalties, interest rates and limitations to save you money.
gem visa review
Updated 21 December 2024 

​Summary:
  • GEM Visa offers a generous 6 month interest-free and no-repayment period on any single purchase above $250, but to avoid higher-than-credit-card interest rates, the balance due MUST be paid off at the end of the interest free period.
  • The true cost of "interest free" is not $0. You'll need to pay upfront setup fees and annual account fees.
  • The standard interest rate is 29.49% p.a, and a slew of fees apply to the card which can make it an expensive finance option if you already have trouble paying bills on time.
  • If you're late with a payment, you'll pay a late fee and Interest is charged on late fees (at the standard 28.99​% rate). 
  • At least 200,000+ New Zealanders have one; its closest competitor is the Q Card and Q Mastercard. ​

Our Review
In this guide, we outline the way a GEM Visa works, the fees and interest a cardholder is subject to, an overview on in-store and online purchases, as well as tips for best use.
 
Please note: MoneyHub is not a Financial Adviser, and this guide has been published to outline the positive and negative features of using a GEM Visa as a means of making purchases. 

What We Cover:
  1. GEM Visa - The Basics
  2. GEM Visa - Claims & Reality
  3. GEM Visa - 15 Essential Must-Know Facts
  4. ​GEM VISA Stores And Retailers
  5. Our Conclusion

Tired of juggling high-interest debts? Are you afraid of taking on more debt?

If you are overwhelmed by debt repayments, there are smarter ways to get back on track than taking on more expensive debt.

Our friends at Money Sweetspot help New Zealanders who are committed to simplifying their finances and becoming debt-free. They help bundle debts into a single, manageable loan at an interest rate likely to be much lower than what you're paying now. With no account fees and no late fees if payments are missed by a few days, it's a way to reset your finances without the stress.

Know This: We have no relationship with Money Sweetspot - our only goal is to help people get debt-free and move forward with their lives. Based on what we've seen since Money Sweetspot's launch, we believe they deliver on their promise to offer fair rates, transparent processes, and provide a helping hand towards long-term financial wellbeing.

Why Consider Money Sweetspot?
  • You can consolidate $2,500 to $40,000 of debt into one loan
  • Interest rates are likely to be significantly lower than those charged by your credit card
  • There are no account fees, no late fees (within a few days), and one regular payment to cover the total debt repayment
  • Get rewarded as you build confidence in managing your finances
  • ​Our Money Sweetspot review explains more
MoneySweet Spot Review NZ
Visit MoneySweet Spot

GEM Visa Basics

GEM Visa - the Basics

  • There is a standard interest-free period of 6 months for any single purchase over $250. This means purchases made will not incur interest until the end of the sixth month after their purchase.
  • Purchases below $250 have up 55 days of interest free, with payment due 25 days after the statement date. 
  • Many merchants partnered with GEM Visa offer specific deals which can extend the interest-free term to 12, 18 and even 24 months on certain eligible purchases.
  • Minimum repayments are either 3% of the balance owed, or $20 (whichever is greater). GEM Visa customers also have the option of repaying with fixed installments.
  • Customers are also offered a range of insurance premiums covering repayments, the damage/loss of purchased goods and life/family. ​

GEM Visa Claims & Reality

GEM Visa: Claims & Reality

We Examine the Claims made by GEM Visa:

Claim 1 - "0% p.a. interest"

Is it True?
Yes, for purchases above $250 and for 6 months, unless the retailer specifies a promotion which extends the interest-free term.
​Claim 2 - "0% p.a long term deals at some of NZ’s best retailers".

​Is it True?
Yes, but it does depend on what the retailer is offering. Some retailers exclude any more than 6 months interest-free on some items and brands, so it's essential to check exactly what the deal is. Don't believe that a flashing advertisement for "24 months interest free" applies to every purchase.

GEM Visa - 15 Essential Must-Knows

GEM Visa - 15 Essential Must-Know Facts

GEM Visa Review NZ

Paying off a GEM Visa follows the same rules of a paying off a credit card

The basic rule is the balance due that you don't pay off is what you will pay interest on. To limit the chance of this happening, GEM Visa offers five ways to make balance payments:
  1. Direct Debt – permitting either minimum payment, a specific regular payment or the total GEM Visa balance owed
  2. Internet Banking – GEM Visa is listed as a payee under all New Zealand banks.
  3. Phone Banking – any bank will set up GEM Visa as a payment party.
  4. Automatic Payments - for fixed payment weekly, fortnightly or monthly from your bank account.
  5. Cheque (although this can delay funds from clearing for at least 5 working days, so you would pay interest on any interest-incurring balance)
​
GEM Visa Review NZ

Every purchase over $250 is is entitled to six months interest free, with no repayments

This is the standard offering from GEM Visa, and it works for overseas purchases too. It's a generous deal which is financially savvy if you can pay off your balance in full when it's due. No credit card in New Zealand offers such generous terms for irregularly-sized purchases; as a comparison the Q Card's interest free period is 3 months, although there is no minimum purchase value. 

But, and it's a big "but" - if you can't pay off the balance, you'll be paying 29.49% p.a. until you clear it. To put it in dollar terms, if you have a $4,000 balance owing, you'll pay $85 a month in interest until it's paid. New purchases on the card will be entitled to the interest-free period and we talk about interest in detail in point 4 below. 
​
GEM Visa Review NZ

Miss ONE payment and you could be forced to pay your TOTAL balance immediately

GEM Visa makes it clear in their terms and conditions - "If you are in default under your credit contract we may demand immediate payment in full of all amounts you owe under your credit contract including any amounts accrued, authorised or charged but not yet debited to your account". This means even purchased in an interest-free and non-repayment period would need to be paid back at once. While GEM Visa avoids enforcing this in practice, it's good to keep in mind and make sure at least the minimum payment due is paid on time every month.
GEM Visa Review NZ

You'll repay the balance of your GEM Visa at a minimum of 29.49% p.a, and it's added to your bill daily

It's important to understand the interest rate charged by GEM Visa - it is twice as high as a low interest credit card and may keep you in debt unless it is managed wisely. 

Interest Rate – applied to all purchases: GEM Visa charges a standard interest rate of 29.49% p.a. 

Interest is charged daily
GEM Visa charges interest on any purchases that have graduated from their interest-free period, at the standard 29.49% interest rate. GEM Visa accrues interest daily, with the total for the month appearing on your statement.
 
If you have trouble paying bills, read on:
MoneyHub has a real concern that GEM Visa’s low 3% minimum payment amount, coupled with its high interest rate, could keep cardholders in debt far longer than what they might expect. Specifically:
  • The 29.49% annual interest rate compounds on an account daily, with repayments processed monthly.
  • An account holder with a $4,000 balance, making consistently monthly minimum payments of $120 (3%) will pay $1,000 of interest over one year and still be left with around $3,400 to pay.
  • This cost is calculated before standard account fees, charges and extra interest if a payment is missed.​​
GEM Visa Review NZ

Miss a Payment and FEES will apply

GEM Visa charges a Default Fee of $15 for a late payment, and allows up to four consecutive defaults before your account is elevated to a collections agency.
GEM Visa Review NZ

GEM Visa also charges annual fees, as well as other account fees

There are a number of account and administration fees, outlined below:
  • Account fee - $65 per year. GEM Visa charges customers $65 every year to administer the card, just as most credit cards have an annual fee. 
  • Establishment fee - $55 one-off: This is a one-off fee that is billed to your GEM Visa when you apply to pay for a purchase using GEM Visa for the first time. If your application is successful you’ll be billed the one-off $55 fee. If you have an existing GEM Visa and your account is active, you won't pay this fee. 

The True Cost of Interest Free
​It's important to keep in mind the true cost of "interest free" ​is not $0. You'll need to pay upfront setup fees and annual account fees. For example:
  1. If you buy a TV with 24 months interest free for $1,000 you'll pay a $55 setup fee and two years of GEM Visa fees ($65/year), so your purchase will actually cost $1,185 (~12% more than the store price).
GEM Visa Review NZ

GEM Visa charges fees for non-standard services

We've included the fees and free services that apply for non-standard requests and services:
  • Cancellation fee: If you cancel your GEM Visa, there is no fee but all balances must be paid off for the account to be closed.
  • Early repayment fee: if you pay off your unpaid balance early, there is no fee - this is standard for all credit cards. 
  • Refund of balance: If you ask for any money overpaid on your GEM Visa to be returned to you, there is no fee.
  • Payment Handling at NZ Post: There is a $1.70 fee for each over the counter payments at NZ Post Branches
  • Statement reprints – $5 per statement reprint; you can find statements online and print these yourself.
  • Card Replacement: $5 – if you lose your GEM Visa and need a new one to be sent to you.
GEM Visa Review NZ

When you make a payment, it’s is apportioned to all of your purchases

GEM Visa operates an "order of priority" when you make payment. To outline where a payment goes, we’ve list the order below:
  1. Firstly: Any payment due in the current or a previous payment period for any installment plan advances, and including all the related fees, charges, interest and principal relating to those advances);
  2. Secondly:  The money will be applied to charges such late payment fees
  3. Thirdly: Money will then be applied to cover all other fees, charges, interest and Gem Visa Shoppers Protection premium due in the current or a previous statement period.
  4. Forth: Any other amount due from a previous statement period
  5. Fifth: Any other amount due in the current statement period
  6. Sixth: Any amounts not yet due for payment

  • If you decide to specifically pay one purchase and not others, the other purchases could go into arrears and incur more fees and charges. 
  • GEM Visa requires you to ensure your minimum payment (3% of the closing balance due).
 
Example:
  1. The minimum repayment is $100
  2. You make a  payment of $120: $100 of the payment will cover the payments marked 1. to 3. above, and then be applied to meet balances due from previous statements (4.) or the current statement (5.)
GEM Visa Review NZ

The Insurance fee is capped at 1% of your closing balance

GEM Visa offers an insurance policy to cover damaged goods, unemployment, accident and illness. The fee is 1% of the monthly closing balance - to ensure a complete picture, we have outlined the policy in detail under GEM Visa Insurance below.
GEM Visa Review NZ

You CAN withdraw money on your GEM Visa, but it's not interest-free

As the GEM Visa is a credit card, you can withdraw money on it (known as a "cash advance), although fees do apply:

Cash advance fee:
  • New Zealand ATM withdrawal: $1.00
  • International ATM Withdrawal: $1.50
  • International transaction fee: 2% of the cash advance
GEM Visa Review NZ

​Financial Hardship? GEM Visa is legally obligated to assess your situation

If you find yourself struggling to meet or keep up with payments, you’re legally entitled to apply for a "financial hardship" consideration. This lets you inform GEM Visa about your financial issues and how repaying your balance is causing financial difficulty. Our debt help guide has more information and sets out template letters for such applications. 
GEM Visa Review NZ

You’ll be charged account fees even if you don’t have a balance to pay

Just like any credit card, you'll be charged $65 every year for the administration of the facility. The fee is payable even if you don’t have a balance owing. Fees do not have interest-free period, and are also subject to a 29.49% interest rate as well as arrears fees for non-payment, so make sure to pay 100% of the amount when it appears on your closing balance.
GEM Visa Review NZ

You can’t use another credit card to make GEM Visa repayments

This is a rule for all credit cards, not just the GEM Visa. However you can apply for a balance transfer (see 14. below). ​
GEM Visa Review NZ

Most banks’ Balance Transfer credit cards accept GEM Visa balances

The good news is that if you’re stuck in a cycle of 29.49% interest rates on balances that never seem to clear, our guide to balance transfer credit cards outlines the best offers currently available. You’ll need to apply with a bank you’re not currently with, and if you get approved, your GEM Visa​ balance will reduce by the amount you’ve been approved to transfer.
GEM Visa Review NZ

Your balance owing can go ABOVE the set credit limit

If interest charges and/or fees are made to your account while the balance is at or near to the credit limit, your credit limit can be exceeded. GEM Visa does not charge a fee for breaching the credit limit, but it also means purchases will be declined until payments are made to bring the balance below the credit limit. 

GEM Visa Stores and Retailers

GEM Visa Stores and Retailers

GEM Visa is accepted at hundreds of stores all over New Zealand. The best indication of the range of retailers is found on the retail partners webpage.
gem visa retail partners

GEM Visa - Our Conclusion

GEM Visa - Our Conclusion

  • ​If you have a history of paying off credit cards, a GEM Visa can be a useful extra card in your wallet. With six months interest-free on any purchase over $250, it's a benefit that is unrivaled in New Zealand.
  • To avoid interest charges, make sure to tick the "Pay Closing Balance" box on a direct debit form. 
  • If you have trouble paying bills on time, you will probably want to avoid the GEM Visa. The interest rate is above-market (29.49% p.a.) and you could easily find yourself stuck paying barely more than the interest charges on a month to month basis. 
  • We don't think the insurance is great value if you have a low risk of being made redundant. The $5,000 cover limit and 1% premium means you'll pay $600 per year if you need the $5,000.  
  • The number of merchants offering interest-free deals beyond the standard 6 months is significant making the card more beneficial for long term finance options.
  • Cardholders should remember that the retailer offering an interest-free deal may not be the best deal overall. We suggest you shop around and avoid limiting yourself exclusively to GEM Visa retailers. For example, a new TV bought at a GEM Visa retailer may be cheaper upfront from another retailer, even if you "only" get the standard 6 months interest-free offer rather than a special 12 month interest-free promotion. 

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  • Credit Cards
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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    • Best of New Zealand
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  • Travel Insurance
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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    • Wellington Trade Services
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