Gem Visa Security & Privacy
Use your Gem Visa with confidence
Your Gem Visa card and account are protected by some of the best available card security measures – on the card itself, whenever you shop and when you access your account.
Chip protection
The in-built chip in your Gem Visa card provides increased protection against fraud, reducing the chance of your personal details being copied if your card islost or stolen.
Selecting a PIN
When you activate your Gem Visa, you will be asked to select your own PIN. You can choose a PIN that’s easy to remember, but avoid an easily guessed number, such as 1234 or your date of birth.
PIN protection
Never keep a record of your PIN, especially not in your wallet or purse or on your Gem Visa card.
When travelling, your PIN is especially important as you’ll need it in many countries to access your account.
Anytime you’d like to change your PIN, simply call us on 0800 500 505.
Fraud management
The Falcon™ fraud management system identifies unusual activity on your card. As soon as a suspect transaction is detected, our card security experts are alerted so they can review it and take any necessary action¹.
Protection online
Outstanding online security means you can be confident when you’re managing your Gem Visa account online. Our system checks for any unauthorised access every time your account is accessed online.
Money back guarantee
If there’s a fraudulent transaction on your Gem Visa card, we’ll credit your account with any amount you have lost, as long as you’ve abided by the Conditions of Use (COU).
Shopper’s Protection
Consider getting credit card insurance to protect the things you buy, and protect your Gem Visa balance if you get sick or lose your job.²
Apply online now and get a response in less than 60 seconds!
1 FALCON™ FRAUD PROTECTION software is used under licence from Fair Isaac Corporation. FALCON™ and FALCON™ FRAUD PROTECTION are trademarks owned by Fair Isaac Corporation.
2 Terms, conditions and some exclusions apply. See the Policy for full details including details of limits that apply to the cover. Shopper's Protection insurance is issued by Hallmark Life Insurance Company Ltd. and Simply Insurance New Zealand Limited, both trading as GE Money.
2 Terms, conditions and some exclusions apply. See the Policy for full details including details of limits that apply to the cover. Shopper's Protection insurance is issued by Hallmark Life Insurance Company Ltd. and Simply Insurance New Zealand Limited, both trading as GE Money.
Gem Visa is provided by GE Finance and Insurance trading as GE Money.