MoneyHub NZ
  • Investing & Saving
    • Reviews >
      • Sharesies Review
      • InvestNow Review
      • Hatch Review
      • Stake Review
      • ASB Securities Review
      • Direct Broking Review
      • Interactive Brokers
      • Simplicity Investment Funds Review
      • Bonus Bonds Review
      • Squirrel Money Review
      • Smartshares Review
      • Sharesight Review
      • Lending Crowd Review
      • Lifetime Retirement Income
      • Kernel Review
    • Guides >
      • Investing Guide
      • Investments You Can Own Forever
      • How to Invest in Shares
      • Passive Income Strategies
      • Best Investment Apps
      • 10 Top Investments for Young New Zealanders
      • Exchange Traded Funds
      • Shares vs ETFs
      • Index Funds vs ETFs
      • Ethical Investing
      • Dollar-Cost Averaging Guide
      • Stocks and Shares Trading Games
      • Contracts for Difference (CFDs) Guide >
        • CMC Markets Review
        • Plus500 Review
      • Forex Trading Guide
      • NZX in a Nutshell
      • Managed Funds
      • Investing in Bonds
      • Investing in the US Stock Market from New Zealand
      • Trading in a Nutshell
      • Peer to Peer Lending
      • Crowd Funding Guide
      • Barefoot Investor-Friendly Financial Products in New Zealand
      • Investing for Kids
      • What Happens If Your Investing Platform Shuts Down?
      • How to Read and Understand a Share Chart
      • Investing & Personal Finance Podcasts
      • How to Retire Early
      • Emergency Funds
      • UK Pension Transfer to New Zealand
    • Comparisons >
      • Sharesies vs Hatch vs Stake
      • Hatch vs Stake
      • Comparing Sharesies vs Investnow vs Hatch and more
      • Understand Gross vs Net
    • Best Term Deposits
    • Term Deposit Alternatives
    • 10 Ways to Invest in New Zealand
    • Index Funds
    • Financial Advisers >
      • Financial Advisers Auckland
    • Top 10 New Zealand Personal Finance Experts
    • Cryptocurrency >
      • How to Buy Bitcoin in New Zealand
      • Easy Crypto Review
      • Beginner's Guide to Bitcoin and Blockchain
      • New Zealand Bitcoin Exchanges
  • Calculators
    • Mortgage Repayment Calculator
    • PAYE Income Tax Calculator
    • PAYE Tax Rates
    • Retirement Calculator New Zealand
    • Credit Card Interest Calculator
    • Savings Calculator
    • Term Deposit Calculator
    • Debt Consolidation Calculator
    • Personal Loan Calculator
    • Refinance Personal Loan Calculator
    • Car Loan Refinance Calculator
    • Mortgage Calculator
    • Offset Mortgage Calculator
    • Net Worth Calculator
    • Million Dollar Calculator
    • Investment Calculator
    • Car Repayment Calculator
    • Compound Interest Calculator
    • Basis Points Calculator
    • Inflation Calculator
    • Interest Calculator
    • Boat Financing Calculator
    • Home Renovation Loan Calculator
    • Mortgage Overpayment Calculator
    • GST Calculator
    • BMI Calculator New Zealand
  • Loans & Finance
    • Reviews >
      • Harmoney Loans Review
      • Simplify Loans Review
      • Avanti Finance Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
      • Afterpay Review
      • Laybuy Review
      • Oxipay Review
      • Zip Review
      • Q Card & Q Mastercard Review
      • Moola Review
      • Save My Bacon Review
    • Guides >
      • Credit Score and Credit Check
      • Interest Rates Guide
      • Interest Rate Comparison
      • Reverse Mortgages
      • Harmoney vs Moola
      • Baycorp and Debt Collection
    • Personal Loans
    • Secured Loans
    • Car Finance
    • How to Refinance Your Car Loan
    • Debt Consolidation Loans
    • Bad Credit Car Loans
    • Car Dealership Finance vs Alternatives
    • Bad Credit Loans
    • Beneficiary Loans
    • Same Day Loans
    • Payday Loans
    • Low Income Loans
    • Cash Advance
    • Home Renovation Loans
  • Insurance
    • Car Insurance
    • House Insurance
    • House Insurance Calculator
    • Pet Insurance >
      • Cat and Dog Desexing
      • Pet Euthanasia
    • Life Insurance >
      • Life Insurance Calculator
    • Health Insurance
    • Income Protection Insurance
    • Mortgage Protection Insurance
    • Landlord Insurance
    • Contents Insurance
    • Home and Contents Insurance
    • Dental Insurance and Dentist Plans
    • Renters' Insurance
    • Phone Insurance
    • Funeral Insurance >
      • Funeral Costs
    • Insurance Excess
    • Motorbike Insurance
    • Insurance Brokers >
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
    • Warehouse Money Review
    • Travel >
      • Travel Insurance
      • 1Cover Travel Insurance
      • AMI Travel Insurance
  • Credit Cards
    • Reviews >
      • TransferWise Debit Card Review
      • Flight Centre Mastercard Review
      • American Express Airpoints Platinum Review
      • American Express Credit Cards Review
    • Guides >
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
    • Best Credit Cards
    • Our Favourite Cards
    • Balance Transfer Credit Cards
    • Free Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Best Foreign Currency Debit & Credit Cards
    • Chargebacks (Credit and Debit Cards)
  • Bank Accounts
    • Best Bank Accounts
    • Best Savings Accounts
    • Best Debit Cards
    • Cut Overdraft Costs
    • Best Bank Accounts for Kids
    • Open Banking Guide
    • International Money Transfers
    • NZ Bank Prefix Codes
    • Reviews >
      • Western Union Review
      • TransferWise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • NZCU South Review
      • The Co-operative Bank NZ Review
  • Mortgages
    • Guides >
      • Mortgage Options
      • Interest-Only Mortgages Guide
      • First Home Loan Guide
      • First Home Buyers Checklist
      • Pay Off Your Mortgage Faster
      • Mortgage Holiday Guide
      • New Zealand Property Types
      • Remortgaging Guide
      • Renting Directly to Tenants vs Using an Agent
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Offset Mortgages
    • Top 10 Home Loans
    • Low-Deposit Home Loans
    • Revolving Credit Mortgages
    • Rent to Own Homes
    • Investment Property Mortgages
    • How to Sell Your House Privately
    • Mortgage Brokers >
      • Trusted Mortgage Brokers in Auckland
      • Trusted Mortgage Brokers in Hamilton
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Calculators >
      • Interest-Only Mortgage Calculator
      • Amortisation Calculator
      • Mortgage Refinance Calculator
      • Fixed or Floating Mortgage Rate Calculator
      • How Much Can I Borrow?
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Retirement in a Nutshell
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver HomeStart Grant Guide
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • CareSaver KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Better Living
    • 20 Ways to Save LOTS on Household Bills
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Firewood >
        • Firewood Auckland
        • Firewood Wellington
        • Firewood Christchurch
        • Firewood Dunedin
      • Rubbish Removal Companies in Auckland
      • Auckland Pest Control
    • Make Money Online
    • Paid Survey Websites Review
    • Free Samples
    • Valued Opinions Review
    • Budgeting Apps
    • 50/30/20 Budget Calculator
    • Budget Planner
    • Single Parenting and Money
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
      • Auckland Computer Repair Experts
    • Lending Money to Friends & Family
    • Parking Tickets
    • Retirement Villages
    • Tax Refunds
    • Chimney Sweep Auckland
    • Blinds, Curtains and Drapes Auckland
    • Events >
      • Best Caterers >
        • Auckland Catering
        • Tauranga Catering
        • Hamilton Catering
        • Wellington Catering
        • Christchurch Catering
        • Dunedin Catering
        • Lower Hutt Catering
      • Weddings on a Budget
      • Wedding Budget Calculator
      • Auckland Wedding Car Hire
      • Auckland Wedding Photographers
      • Auckland Wedding Celebrant
      • Affordable Auckland Florists
      • Wedding Videographers Auckland
      • Wellington Wedding Photographers
      • Christchurch Wedding Photographers
      • Queenstown Wedding Photographers
    • Car & Motorbike >
      • Car Detailing >
        • Auckland ​Car Detailing
        • Hamilton ​Car Detailing
        • Tauranga ​Car Detailing
        • Wellington ​Car Detailing
        • Christchurch ​Car Detailing
        • Dunedin ​Car Detailing
      • Quality Tyres Auckland
      • Top Auckland Auto Electrical Specialists
      • Best Car Batteries
      • Best Electric Cars
      • Electric Scooters
      • Best Electric Bikes
    • Screen Printing Auckland
    • Online Business >
      • Social Media Influencer Marketing
      • Trusted Auckland SEO Companies
      • Auckland Graphic Design
    • Dry Cleaners Auckland
    • Window Tinting Auckland
    • Cabinet Makers Auckland
    • Naturopaths Auckland
    • Asbestos Removal Auckland
    • Makeup Artists Auckland
    • Dentists Auckland
    • Arborists Auckland
    • Auckland Security Systems
    • Podiatrists Auckland
    • Optometrists Auckland
    • Auckland Land Surveyors
    • Cleaners Auckland
    • Gutter Cleaning Auckland
    • Chiropractors Auckland
    • Fridge Repair Auckland
    • Auckland Landscapers
    • Pets >
      • Trusted Catteries >
        • Cattery Auckland
        • Cattery Hamilton
        • Cattery Tauranga
        • Cattery Wellington
        • Cattery Christchurch
      • Trusted Dog Boarding >
        • Dog Boarding Kennels Auckland
        • Dog Boarding Kennels Hamilton
        • Dog Boarding Kennels Tauranga
        • Dog Boarding Kennels Wellington
        • Dog Boarding Kennels Christchurch
      • Trusted Doggy Daycare Providers >
        • Dog Daycare Auckland
        • Dog Daycare Wellington
        • Dog Daycare Christchurch
      • Puppy Schools >
        • Puppy School & Dog Training Auckland
        • Puppy School & Dog Training Hamilton
        • Puppy School & Dog Training Wellington
        • Puppy School & Dog Training Christchurch
      • Trusted Dog Groomers >
        • Dog Grooming Auckland
        • Dog Grooming Hamilton
        • Dog Grooming Tauranga
        • Dog Grooming Wellington
        • Dog Grooming Christchurch
    • Renovations >
      • Trusted Auckland Painters
      • Trusted Auckland Electricians
      • Trusted Builders >
        • Trusted Auckland Builder
        • Trusted Builders in Tauranga
        • Trusted Builders in Hamilton
        • Trusted Builders in Wellington
        • Trusted Builders in Christchurch
        • Trusted Builders in Dunedin
        • Trusted Builders in Lower Hutt
      • Plumbers >
        • Trusted Plumbers in Auckland
        • Trusted Plumbers in Hamilton
        • Trusted Plumbers in Tauranga
        • Trusted Plumbers in Wellington
        • Trusted Plumbers in Lower Hutt
        • Trusted Plumbers in Christchurch
        • Trusted Plumbers in Dunedin
      • Panelbeaters >
        • Trusted Panel Beaters in Auckland
        • Trusted Panel Beaters in Hamilton
        • Trusted Panel Beaters in Tauranga
        • Trusted Panel Beaters in Wellington
        • Trusted Panel Beaters in Lower Hutt
        • Trusted Panel Beaters in Christchurch
        • Trusted Panel Beaters in Dunedin
      • Building Inspectors >
        • Auckland Building Inspectors
        • Hamilton Building Inspectors
        • Tauranga Building Inspectors
        • Napier and Hastings Building Inspectors
        • Wellington Building Inspectors
        • Christchurch Building Inspectors
        • Dunedin Building Inspectors
      • Lawn Mowing Services >
        • Trusted Lawn Mowing Services in Auckland
        • Trusted Lawn Mowing Services in Hamilton
        • Trusted Lawn Mowing Services in Tauranga
        • Trusted Lawn Mowing Services in Wellington
        • Trusted Lawn Mowing Services in Christchurch
      • Auckland Glazier
      • Garage Door Repairs Auckland
      • Auckland Flooring
      • Best Auckland Locksmiths
      • Concreters Auckland
      • Auckland Scaffolding Companies
      • Bathroom Renovations Guide >
        • Bathroom Renovations Auckland
      • Auckland Roofing
      • Auckland Solar Panels
    • The Complete Guide to Renting in New Zealand
    • Heat Pump Experts >
      • Heat Pumps Auckland
      • Heat Pumps Tauranga
      • Heat Pumps Hamilton
      • Heat Pumps Napier and Hastings
      • Heat Pumps Wellington
      • Heat Pumps Christchurch
      • Heat Pumps Dunedin
    • Trade Me Selling Tips
    • Prezzy Cards
    • Food >
      • Christmas Club >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
        • Domino's Coupons
        • Pizza Hut Coupons
        • KFC Coupons
        • Burger King Coupons
        • McDonald's Coupons
        • BurgerFuel Vouchers
        • Hell Pizza Vouchers and Coupons
    • Health & Personal Care >
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
    • Teaching Kids About Money
  • Business
    • 10 Money Saving Tips For Businesses
    • How to Start a Business in New Zealand
    • Reviews >
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Plain English Awards
    • Business Insurance
    • Public Liability Insurance
    • Business Credit Cards
    • Business Loans
    • Business Podcasts
    • Domain Names
    • Top Web Designers >
      • Auckland Web Designers
      • Hamilton Web Designers
      • Wellington Web Designers
      • Christchurch Web Designers
      • Tauranga Web Designers
      • Lower Hutt Web Designers
      • Dunedin Web Designers
    • Get Debtors to Pay Overdue Invoices
    • Calculators >
      • Business Loan Calculator
      • ROI Calculator
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
  • Work and Income
    • Navigating Work and Income Benefits
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • NZ Superannuation in a Nutshell >
      • Superannuation Rates 2021
    • Debt Help
    • Bankruptcy Guide
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory >
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
    • Free Money from the Government
  • Students
    • Scholarships 2021
    • All About Money >
      • Money in a Nutshell for Teenagers
      • Student Bank Accounts
      • Student Loans
      • Student Money Tips
      • Smart Money Tips for Kids
    • Education >
      • Year 13 Essential Checklist
      • Alternative Study Providers
      • What to Study in 2022
    • Jobs >
      • Student Jobs Guide
      • Student CV Template
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
    • Freebies for School Students
    • School Holidays NZ 2021
    • Public Holidays 2021 & 2022
  • Motoring
    • Buying a Used Car
    • 20 Ways to Make Driving Cheaper
    • AA Membership Review
    • Vehicle Leasing
    • Best Car Mechanics >
      • Best Auckland Car Mechanics
      • Best Car Mechanics in Hamilton
      • Best Car Mechanics in Tauranga
      • Best Car Mechanics in Wellington
      • Best Car Mechanics in Lower Hutt
      • Best Car Mechanics in Christchurch
      • Best Car Mechanics in Dunedin
    • Warrant of Fitness Guide >
      • 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
  • Wills and Trusts
    • Wills Guide
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
  • Employment
    • CV Templates & Tips
    • Cover Letters
    • Common Interview Questions
    • How to Improve Your LinkedIn Profile
    • Part-Time Jobs Guide
    • How to Get Promoted
    • Self-Employment Guide
    • Workplace Bullying
    • Side Hustles in New Zealand
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Cheap Domestic Flights
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Travel Money Cards
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Air NZ Upgrade Guide
    • Currency Converter
    • No Nonsense Upgrade Guide
    • Air New Zealand Travel Tips
    • Airpoints Flexipay Guide
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange >
      • 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
  • Entertainment
    • Netflix Review >
      • Best Netflix Movies
      • Best Netflix TV Shows
    • Amazon Prime Video Review >
      • Best Amazon Prime Movies
      • Best Amazon Prime TV Shows
    • Disney+ Review
  • Mobile Phones
    • Best iPhone Plans
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • Mobile Data Roaming
    • Spark Mobile Review
    • Vodafone Mobile Review
    • 2degrees Mobile Review
    • Best Power Banks
  • Health
    • Gym Memberships Guide >
      • Auckland Gym Memberships Guide
      • Hamilton Gym Memberships Guide
      • Tauranga Gym Memberships Guide
      • Wellington Gym Memberships Guide
      • Christchurch Gym Memberships Guide
      • Dunedin Gym Memberships Guide
    • Personal Trainers >
      • Personal Trainers Auckland
      • Personal Trainers Hamilton
      • Personal Trainers Tauranga
      • Personal Trainers Wellington
      • Personal Trainers Christchurch
      • Personal Trainers Dunedin
    • Acupuncture Auckland
  • Search MoneyHub

GEM Visa Review

What Every Existing and Prospective GEM Visa Customer Should Know
gem visa review
Updated 23 April 2020

TLDR Review Summary of GEM Visa 
  • 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 25.99% 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 25.99% 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-Knows
  4. ​GEM VISA Insurance
  5. GEM VISA Stores And Retailers
  6. Our Conclusion

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 nz review

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 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 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 25,99% 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 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 nz review
GEM VISA NZ

You'll repay the balance of your GEM Visa at a minimum of 25.99% 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 25.99% p.a. 

Interest is charged daily
GEM Visa charges interest on any purchases that have graduated from their interest-free period, at the standard 25.99% 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 25.99% 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 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 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 - $52 per year. GEM Visa charges customers $52 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 ($52/year), so your purchase will actually cost $1,159 (~12% more than the store price). 
​ 
gem visa nz review
GEM VISA 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 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 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 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 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 nz review
GEM VISA 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 $52 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 25.99% 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 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 NZ

Most banks’ Balance Transfer credit cards accept GEM Visa balances

The good news is that if you’re stuck in a cycle of 25.99% 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 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 nz review

GEM Visa Insurance

GEM Visa offers one insurance policy, marketed as "Shopper’s Protection". It costs 1% of the monthly closing balance of your Gem Visa account, limited to a maximum of $50 a month. If you take it out, it's charged to your account and paid monthly. 

What is it and how much cover is provided?
The policy covers a number of situations, which we outline below:
  1. Price Protection Insurance - this repays you the difference between what you paid and what the item is now should the price go down within 6 months at the same store. There are exceptions however, such as jewellery and second hand items. 
  2. Repair, refund, replacement of goods - the insurance covers the cost of any eligible purchases that are lost, stolen or damaged within 6 months of purchase.
  3. Lost card replacement - up to $200 if your card is reported stolen.
  4. Repayment insurance - this is the most complex insurance, which promises a lot but it's important to understand the limitations. For example, the policy offers to repay your Gem Visa balance if you can't work due to illness, lose your job, have to give up your job to care for a family member. But, the limit of the cover is $5,000 which means if you any more you won't be covered for that portion. 

How much does it cost?
GEM Visa's insurance costs 1% per month of the monthly closing balance, capped at a maximum of $50/month. The insurance fee is charged directly to the GEM Visa - if it's not paid off in full, interest will apply at a rate of 25.99% p.a. If you have an average closing balance of $5,000 per month, you would pay $600 a year for this insurance. 

Examples of the monthly insurance cost (in bold) based on closing balances of $500 to $5000:
  • $500: $5
  • $1,000: $10
  • $1,500: $15
  • $5,000+: $50

Are there any limitations in the fine print?
  • Yes, quite a few. The Repair, refund, replacement of goods cover as mentioned above only covers your purchases within six months (180 days) of purchase. It's really important to know that the policy only protects new purchases for six months; it's not an extended warranty and shouldn't be purchased as one. 

So, what exactly do I get?
  • Injured or ill? The repayment insurance kicks in after 30 days if you've been continuously disabled and are unable to work, and the limit of any claim is $5,000 even if your balance owing is above that.  
  • Unemployed? To claim under the Involuntary Unemployment cover you will need to be out of work for 90 consecutive days and again the limit is $5,000. 

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 nz

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 (25.99% 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. 

Search MoneyHub.co.nz in seconds:

  • Read our Advertising Policy
  • Sign up to our newsletter
  • Calculate your PAYE After-Tax Income

How this website works
MoneyHub.co.nz was founded on the principles of honesty and transparency in reporting. For this reason, we believe in being completely upfront about how this website works, its strengths and its weaknesses.
​
MoneyHub.co.nz does not provide investment advice, financial services or any form of advisory. Our guides, resources and tools are presented without consideration of the financial circumstances of any specific user. 

Important: We may be compensated if you click on a link, but such links do not affect our findings. MoneyHub publishes guides based on facts and numbers, not incentives. Our advertising policy explains more.
  • We are a journalistic online resource with the aim of providing New Zealanders with the best money guides, tips and tools. 
  • We can't guarantee everything contained on this website will be perfect - you use the information contained on our website and all social channels at your own risk.​
  • The information on this website does not constitute financial advice in any form.
  • ​Our priority is accurate information. In rare instances, a provider will change a price or product before we've had a chance to update our information; double check prices first before making any decision. ​
  • We link to other websites throughout this website, but take no responsibility for the content they publish.
  • ​We cannot accept liability for any decision made based on our information.
  • We welcome your stories, tips and any feedback via [email protected]
Our values statement is simple: MoneyHub exists to give every New Zealander the information they need to make better financial decisions. 
​
Please read our full Terms & Conditions, About MoneyHub, Advertising Policy, Contact Us, Cookies & Data FAQs, Make a Complaint, Privacy Policy and Media and Press Information. 
fintechnz member
Picture
  • Investing & Saving
    • Reviews >
      • Sharesies Review
      • InvestNow Review
      • Hatch Review
      • Stake Review
      • ASB Securities Review
      • Direct Broking Review
      • Interactive Brokers
      • Simplicity Investment Funds Review
      • Bonus Bonds Review
      • Squirrel Money Review
      • Smartshares Review
      • Sharesight Review
      • Lending Crowd Review
      • Lifetime Retirement Income
      • Kernel Review
    • Guides >
      • Investing Guide
      • Investments You Can Own Forever
      • How to Invest in Shares
      • Passive Income Strategies
      • Best Investment Apps
      • 10 Top Investments for Young New Zealanders
      • Exchange Traded Funds
      • Shares vs ETFs
      • Index Funds vs ETFs
      • Ethical Investing
      • Dollar-Cost Averaging Guide
      • Stocks and Shares Trading Games
      • Contracts for Difference (CFDs) Guide >
        • CMC Markets Review
        • Plus500 Review
      • Forex Trading Guide
      • NZX in a Nutshell
      • Managed Funds
      • Investing in Bonds
      • Investing in the US Stock Market from New Zealand
      • Trading in a Nutshell
      • Peer to Peer Lending
      • Crowd Funding Guide
      • Barefoot Investor-Friendly Financial Products in New Zealand
      • Investing for Kids
      • What Happens If Your Investing Platform Shuts Down?
      • How to Read and Understand a Share Chart
      • Investing & Personal Finance Podcasts
      • How to Retire Early
      • Emergency Funds
      • UK Pension Transfer to New Zealand
    • Comparisons >
      • Sharesies vs Hatch vs Stake
      • Hatch vs Stake
      • Comparing Sharesies vs Investnow vs Hatch and more
      • Understand Gross vs Net
    • Best Term Deposits
    • Term Deposit Alternatives
    • 10 Ways to Invest in New Zealand
    • Index Funds
    • Financial Advisers >
      • Financial Advisers Auckland
    • Top 10 New Zealand Personal Finance Experts
    • Cryptocurrency >
      • How to Buy Bitcoin in New Zealand
      • Easy Crypto Review
      • Beginner's Guide to Bitcoin and Blockchain
      • New Zealand Bitcoin Exchanges
  • Calculators
    • Mortgage Repayment Calculator
    • PAYE Income Tax Calculator
    • PAYE Tax Rates
    • Retirement Calculator New Zealand
    • Credit Card Interest Calculator
    • Savings Calculator
    • Term Deposit Calculator
    • Debt Consolidation Calculator
    • Personal Loan Calculator
    • Refinance Personal Loan Calculator
    • Car Loan Refinance Calculator
    • Mortgage Calculator
    • Offset Mortgage Calculator
    • Net Worth Calculator
    • Million Dollar Calculator
    • Investment Calculator
    • Car Repayment Calculator
    • Compound Interest Calculator
    • Basis Points Calculator
    • Inflation Calculator
    • Interest Calculator
    • Boat Financing Calculator
    • Home Renovation Loan Calculator
    • Mortgage Overpayment Calculator
    • GST Calculator
    • BMI Calculator New Zealand
  • Loans & Finance
    • Reviews >
      • Harmoney Loans Review
      • Simplify Loans Review
      • Avanti Finance Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
      • Afterpay Review
      • Laybuy Review
      • Oxipay Review
      • Zip Review
      • Q Card & Q Mastercard Review
      • Moola Review
      • Save My Bacon Review
    • Guides >
      • Credit Score and Credit Check
      • Interest Rates Guide
      • Interest Rate Comparison
      • Reverse Mortgages
      • Harmoney vs Moola
      • Baycorp and Debt Collection
    • Personal Loans
    • Secured Loans
    • Car Finance
    • How to Refinance Your Car Loan
    • Debt Consolidation Loans
    • Bad Credit Car Loans
    • Car Dealership Finance vs Alternatives
    • Bad Credit Loans
    • Beneficiary Loans
    • Same Day Loans
    • Payday Loans
    • Low Income Loans
    • Cash Advance
    • Home Renovation Loans
  • Insurance
    • Car Insurance
    • House Insurance
    • House Insurance Calculator
    • Pet Insurance >
      • Cat and Dog Desexing
      • Pet Euthanasia
    • Life Insurance >
      • Life Insurance Calculator
    • Health Insurance
    • Income Protection Insurance
    • Mortgage Protection Insurance
    • Landlord Insurance
    • Contents Insurance
    • Home and Contents Insurance
    • Dental Insurance and Dentist Plans
    • Renters' Insurance
    • Phone Insurance
    • Funeral Insurance >
      • Funeral Costs
    • Insurance Excess
    • Motorbike Insurance
    • Insurance Brokers >
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
    • Warehouse Money Review
    • Travel >
      • Travel Insurance
      • 1Cover Travel Insurance
      • AMI Travel Insurance
  • Credit Cards
    • Reviews >
      • TransferWise Debit Card Review
      • Flight Centre Mastercard Review
      • American Express Airpoints Platinum Review
      • American Express Credit Cards Review
    • Guides >
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
    • Best Credit Cards
    • Our Favourite Cards
    • Balance Transfer Credit Cards
    • Free Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Best Foreign Currency Debit & Credit Cards
    • Chargebacks (Credit and Debit Cards)
  • Bank Accounts
    • Best Bank Accounts
    • Best Savings Accounts
    • Best Debit Cards
    • Cut Overdraft Costs
    • Best Bank Accounts for Kids
    • Open Banking Guide
    • International Money Transfers
    • NZ Bank Prefix Codes
    • Reviews >
      • Western Union Review
      • TransferWise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • NZCU South Review
      • The Co-operative Bank NZ Review
  • Mortgages
    • Guides >
      • Mortgage Options
      • Interest-Only Mortgages Guide
      • First Home Loan Guide
      • First Home Buyers Checklist
      • Pay Off Your Mortgage Faster
      • Mortgage Holiday Guide
      • New Zealand Property Types
      • Remortgaging Guide
      • Renting Directly to Tenants vs Using an Agent
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Offset Mortgages
    • Top 10 Home Loans
    • Low-Deposit Home Loans
    • Revolving Credit Mortgages
    • Rent to Own Homes
    • Investment Property Mortgages
    • How to Sell Your House Privately
    • Mortgage Brokers >
      • Trusted Mortgage Brokers in Auckland
      • Trusted Mortgage Brokers in Hamilton
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Calculators >
      • Interest-Only Mortgage Calculator
      • Amortisation Calculator
      • Mortgage Refinance Calculator
      • Fixed or Floating Mortgage Rate Calculator
      • How Much Can I Borrow?
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Retirement in a Nutshell
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver HomeStart Grant Guide
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • CareSaver KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Better Living
    • 20 Ways to Save LOTS on Household Bills
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Firewood >
        • Firewood Auckland
        • Firewood Wellington
        • Firewood Christchurch
        • Firewood Dunedin
      • Rubbish Removal Companies in Auckland
      • Auckland Pest Control
    • Make Money Online
    • Paid Survey Websites Review
    • Free Samples
    • Valued Opinions Review
    • Budgeting Apps
    • 50/30/20 Budget Calculator
    • Budget Planner
    • Single Parenting and Money
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
      • Auckland Computer Repair Experts
    • Lending Money to Friends & Family
    • Parking Tickets
    • Retirement Villages
    • Tax Refunds
    • Chimney Sweep Auckland
    • Blinds, Curtains and Drapes Auckland
    • Events >
      • Best Caterers >
        • Auckland Catering
        • Tauranga Catering
        • Hamilton Catering
        • Wellington Catering
        • Christchurch Catering
        • Dunedin Catering
        • Lower Hutt Catering
      • Weddings on a Budget
      • Wedding Budget Calculator
      • Auckland Wedding Car Hire
      • Auckland Wedding Photographers
      • Auckland Wedding Celebrant
      • Affordable Auckland Florists
      • Wedding Videographers Auckland
      • Wellington Wedding Photographers
      • Christchurch Wedding Photographers
      • Queenstown Wedding Photographers
    • Car & Motorbike >
      • Car Detailing >
        • Auckland ​Car Detailing
        • Hamilton ​Car Detailing
        • Tauranga ​Car Detailing
        • Wellington ​Car Detailing
        • Christchurch ​Car Detailing
        • Dunedin ​Car Detailing
      • Quality Tyres Auckland
      • Top Auckland Auto Electrical Specialists
      • Best Car Batteries
      • Best Electric Cars
      • Electric Scooters
      • Best Electric Bikes
    • Screen Printing Auckland
    • Online Business >
      • Social Media Influencer Marketing
      • Trusted Auckland SEO Companies
      • Auckland Graphic Design
    • Dry Cleaners Auckland
    • Window Tinting Auckland
    • Cabinet Makers Auckland
    • Naturopaths Auckland
    • Asbestos Removal Auckland
    • Makeup Artists Auckland
    • Dentists Auckland
    • Arborists Auckland
    • Auckland Security Systems
    • Podiatrists Auckland
    • Optometrists Auckland
    • Auckland Land Surveyors
    • Cleaners Auckland
    • Gutter Cleaning Auckland
    • Chiropractors Auckland
    • Fridge Repair Auckland
    • Auckland Landscapers
    • Pets >
      • Trusted Catteries >
        • Cattery Auckland
        • Cattery Hamilton
        • Cattery Tauranga
        • Cattery Wellington
        • Cattery Christchurch
      • Trusted Dog Boarding >
        • Dog Boarding Kennels Auckland
        • Dog Boarding Kennels Hamilton
        • Dog Boarding Kennels Tauranga
        • Dog Boarding Kennels Wellington
        • Dog Boarding Kennels Christchurch
      • Trusted Doggy Daycare Providers >
        • Dog Daycare Auckland
        • Dog Daycare Wellington
        • Dog Daycare Christchurch
      • Puppy Schools >
        • Puppy School & Dog Training Auckland
        • Puppy School & Dog Training Hamilton
        • Puppy School & Dog Training Wellington
        • Puppy School & Dog Training Christchurch
      • Trusted Dog Groomers >
        • Dog Grooming Auckland
        • Dog Grooming Hamilton
        • Dog Grooming Tauranga
        • Dog Grooming Wellington
        • Dog Grooming Christchurch
    • Renovations >
      • Trusted Auckland Painters
      • Trusted Auckland Electricians
      • Trusted Builders >
        • Trusted Auckland Builder
        • Trusted Builders in Tauranga
        • Trusted Builders in Hamilton
        • Trusted Builders in Wellington
        • Trusted Builders in Christchurch
        • Trusted Builders in Dunedin
        • Trusted Builders in Lower Hutt
      • Plumbers >
        • Trusted Plumbers in Auckland
        • Trusted Plumbers in Hamilton
        • Trusted Plumbers in Tauranga
        • Trusted Plumbers in Wellington
        • Trusted Plumbers in Lower Hutt
        • Trusted Plumbers in Christchurch
        • Trusted Plumbers in Dunedin
      • Panelbeaters >
        • Trusted Panel Beaters in Auckland
        • Trusted Panel Beaters in Hamilton
        • Trusted Panel Beaters in Tauranga
        • Trusted Panel Beaters in Wellington
        • Trusted Panel Beaters in Lower Hutt
        • Trusted Panel Beaters in Christchurch
        • Trusted Panel Beaters in Dunedin
      • Building Inspectors >
        • Auckland Building Inspectors
        • Hamilton Building Inspectors
        • Tauranga Building Inspectors
        • Napier and Hastings Building Inspectors
        • Wellington Building Inspectors
        • Christchurch Building Inspectors
        • Dunedin Building Inspectors
      • Lawn Mowing Services >
        • Trusted Lawn Mowing Services in Auckland
        • Trusted Lawn Mowing Services in Hamilton
        • Trusted Lawn Mowing Services in Tauranga
        • Trusted Lawn Mowing Services in Wellington
        • Trusted Lawn Mowing Services in Christchurch
      • Auckland Glazier
      • Garage Door Repairs Auckland
      • Auckland Flooring
      • Best Auckland Locksmiths
      • Concreters Auckland
      • Auckland Scaffolding Companies
      • Bathroom Renovations Guide >
        • Bathroom Renovations Auckland
      • Auckland Roofing
      • Auckland Solar Panels
    • The Complete Guide to Renting in New Zealand
    • Heat Pump Experts >
      • Heat Pumps Auckland
      • Heat Pumps Tauranga
      • Heat Pumps Hamilton
      • Heat Pumps Napier and Hastings
      • Heat Pumps Wellington
      • Heat Pumps Christchurch
      • Heat Pumps Dunedin
    • Trade Me Selling Tips
    • Prezzy Cards
    • Food >
      • Christmas Club >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
        • Domino's Coupons
        • Pizza Hut Coupons
        • KFC Coupons
        • Burger King Coupons
        • McDonald's Coupons
        • BurgerFuel Vouchers
        • Hell Pizza Vouchers and Coupons
    • Health & Personal Care >
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
    • Teaching Kids About Money
  • Business
    • 10 Money Saving Tips For Businesses
    • How to Start a Business in New Zealand
    • Reviews >
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Plain English Awards
    • Business Insurance
    • Public Liability Insurance
    • Business Credit Cards
    • Business Loans
    • Business Podcasts
    • Domain Names
    • Top Web Designers >
      • Auckland Web Designers
      • Hamilton Web Designers
      • Wellington Web Designers
      • Christchurch Web Designers
      • Tauranga Web Designers
      • Lower Hutt Web Designers
      • Dunedin Web Designers
    • Get Debtors to Pay Overdue Invoices
    • Calculators >
      • Business Loan Calculator
      • ROI Calculator
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
  • Work and Income
    • Navigating Work and Income Benefits
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • NZ Superannuation in a Nutshell >
      • Superannuation Rates 2021
    • Debt Help
    • Bankruptcy Guide
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory >
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
    • Free Money from the Government
  • Students
    • Scholarships 2021
    • All About Money >
      • Money in a Nutshell for Teenagers
      • Student Bank Accounts
      • Student Loans
      • Student Money Tips
      • Smart Money Tips for Kids
    • Education >
      • Year 13 Essential Checklist
      • Alternative Study Providers
      • What to Study in 2022
    • Jobs >
      • Student Jobs Guide
      • Student CV Template
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
    • Freebies for School Students
    • School Holidays NZ 2021
    • Public Holidays 2021 & 2022
  • Motoring
    • Buying a Used Car
    • 20 Ways to Make Driving Cheaper
    • AA Membership Review
    • Vehicle Leasing
    • Best Car Mechanics >
      • Best Auckland Car Mechanics
      • Best Car Mechanics in Hamilton
      • Best Car Mechanics in Tauranga
      • Best Car Mechanics in Wellington
      • Best Car Mechanics in Lower Hutt
      • Best Car Mechanics in Christchurch
      • Best Car Mechanics in Dunedin
    • Warrant of Fitness Guide >
      • 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
  • Wills and Trusts
    • Wills Guide
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
  • Employment
    • CV Templates & Tips
    • Cover Letters
    • Common Interview Questions
    • How to Improve Your LinkedIn Profile
    • Part-Time Jobs Guide
    • How to Get Promoted
    • Self-Employment Guide
    • Workplace Bullying
    • Side Hustles in New Zealand
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Cheap Domestic Flights
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Travel Money Cards
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Air NZ Upgrade Guide
    • Currency Converter
    • No Nonsense Upgrade Guide
    • Air New Zealand Travel Tips
    • Airpoints Flexipay Guide
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange >
      • 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
  • Entertainment
    • Netflix Review >
      • Best Netflix Movies
      • Best Netflix TV Shows
    • Amazon Prime Video Review >
      • Best Amazon Prime Movies
      • Best Amazon Prime TV Shows
    • Disney+ Review
  • Mobile Phones
    • Best iPhone Plans
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • Mobile Data Roaming
    • Spark Mobile Review
    • Vodafone Mobile Review
    • 2degrees Mobile Review
    • Best Power Banks
  • Health
    • Gym Memberships Guide >
      • Auckland Gym Memberships Guide
      • Hamilton Gym Memberships Guide
      • Tauranga Gym Memberships Guide
      • Wellington Gym Memberships Guide
      • Christchurch Gym Memberships Guide
      • Dunedin Gym Memberships Guide
    • Personal Trainers >
      • Personal Trainers Auckland
      • Personal Trainers Hamilton
      • Personal Trainers Tauranga
      • Personal Trainers Wellington
      • Personal Trainers Christchurch
      • Personal Trainers Dunedin
    • Acupuncture Auckland
  • Search MoneyHub