Protect the things you buy and love

Contact Us

For more information:

Call us on 0800 220 999

8am to 8:30pm Mon – Fri

Your Gem Visa gives you 6 months interest free every time you make a Visa purchase over $250. And with Shopper's Protection insurance, the things you buy with your Gem Visa also get six month's protection – against future price reductions, loss, theft or damage.

What does Shopper's Protection cover me for?

• Price Protection: If your purchase goes on sale at the same retailer (even if it's a different location) within 6 months, we'll pay the price difference to your account*
• Merchandise Protection: If the item you buy is lost, stolen or damaged within 6 months from the date of purchase, we'll pay the cost of repair or replacement to your account*
• Stolen Card Protection: If your Gem Visa is stolen, we'll pay $200 to your account - just for the inconvenience*
• Balance Protection: If you lose your job unexpectedly, or can't work due to sickness or injury, we'll pay the balance of your account, up to $5000. If you should die, we'll pay the balance in full – up to $20,000*

View the Shopper's Protection Brochure to find out more.

How much is this peace of mind worth?

The premium is just 1% of the monthly closing balance – capped at $50 per month. So even if you spend a bit more you'll be certain it won't cost you more than $50 a month.

How can I get Shopper's Protection?

I already have a Gem Visa:

Call us on 0800 220 999 and ask one of our consultants to add Shopper's Protection on your Gem Visa account.

I don't have a Gem Visa:

Visit: www.gemvisa.co.nz to find out more and apply for a Gem Visa. Once your application is approved and you receive your card, contact us on

0800 220 999 and ask to add Shopper's Protection.

I already have Shopper's Protection and I wish to make a claim:

Visit our claims section to download a claim form or contact our claims team on 0800 220 999 if you need assistance.

* Terms, conditions and some exclusions apply. See the Policy for full details including details of limits that apply to the cover. A copy can be found here. The insurance is issued by Hallmark Life Insurance Company Ltd. and Hallmark General Insurance Company Ltd. (incorporated in Australia and operating in New Zealand), both trading as GE Money.