A friend, who did not want to be named, said Violet D'Mello stayed with her and Ria in Wanganui during a holiday to New Zealand last year.
D'Mello told South Africa's Herald newspaper her dream South African holiday had turned into a nightmare.
"They weren't being vicious. You could tell they were just excited but it became serious very quickly."
The scene was captured by D'Mello's husband Archie, who was outside the enclosure when the attack took place. He had earlier photographed his wife stroking one of the cheetahs on its head.
Big cat expert Graham Kerley, from the Centre for African Conservation Ecology, said adult cheetahs were wild animals and could hurt people very badly.