LayBy Service

Lay-by Your Tickets with us

Thank you for your interest in our new Lay-by service. The Lay-by as the name goes gives you an ease to pay installments in advance to buy products in future. This gives you an option to buy our Lay-by cards (Gift Vouchers denominating $20, $50 and $100) over the period of flexible time and redeem it against Air tickets whenever you want. Saving money for your travel is as easy as having a piggy bank.

Buy the vouchers for your own travel or gift it to your loved ones, we will make your plan come true.

Ts & Cs

  • Vouchers are valid for 2 years only
  • Vouchers are transferrable only once
  • Vouchers are redeemable against Air Tickets and Remittance only (No cash refunds)
  • Vouchers can be redeemed only from the branch where purchased from
  • Damaged vouchers are not redeemable
  • Fare difference can be paid by Cash, however change will be provided in terms of vouchers

6 Months Interest free

A Gem Visa credit card lets you take full advantage of life’s little opportunities, whatever they are. It’s a great everyday credit card – with the added bonus of interest free offers.

Like all Visa credit cards, Gem is accepted all over the world – in literally millions of places – so go forth and shop with confidence wherever you are.

0% p.a. interest

Buy what you need now, with 6 months interest free on Visa credit card purchases over $250 and up to 55 days interest free on other purchases.

A Gem Visa credit card is perfect for all sorts of everyday purchases. Plus, you can use it anywhere Visa is accepted.

Shop now, pay later

If you’re really smart, you’ll get what you need or want now and pay it off later. We work with heaps of retailers to offer long term interest free deals: 6,12 months and more.

Less interest, more stuff

0% interest – it doesn’t get much better than that, right?