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From home upgrades to your weekly grocery run, shop smart with a Latitude Gem Visa credit card and enjoy more time to pay.
Shop smart and enjoy everyday offers with Latitude Gem Visa
Additional features and benefits
$0 additional card holder fee
Share all the features and benefits without needing to open a second account. Learn more
Flexible payment options
Pay your way with equal or minimum monthly payment options on our Interest Free plans. Learn more
Pay your Interest Free plan early with no penalties
Digital wallet compatible
Leave your wallet at home with Apple Pay and Google Pay integration for easy, secure payments.
Around the clock protection
Our specialist team protects your personal and financial information from fraud and identity theft. Learn more about how we protect you.
Up to 55 days interest free1 period
On general purchases under $250.
0%
for 6 months on general purchases $250 and over
0%
on Interest Free Payment Plans
0%
up to 55 days interest free1 on general purchases
27.99%p.a.
interest rate on general purchases
$10.95
credit card fee charged monthly
Min credit limit
$1000
Expired Plan Rate
29.99% p.a.
Cash Advance Rate
29.99% p.a.
Balance Transfer Rate
The Cash Advance Rate applies, unless a specific balance transfer rate is subsequently offered.
Cash advance fee
The greater of 3.5% or $4.
International transaction fee
3% on all purchases and cash advances
Payment handling fees
$0 when you pay via the Latitude App, Latitude Service Centre, mail, or direct debit. $1.95 (online using BPAY®). $3.95 (in person at Australia Post)
Late fee
$45
Online statements
$0 by opting to receive statements online. Simply login to the Latitude Service Centre.
Paper statements
$5.00
You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre.
Balance transfer fee
Up to 3% of balance transfer amount 0% Balance Transfer fee
Before making a decision, please read Latitude Gem Visa Key Facts Sheet and Latitude Credit Card General Terms and Conditions to ensure you're aware of all fees, charges and interest rates.
Important information
1To take advantage of up to 55 days interest free on credit card general purchases, you need to pay the full closing balance (excluding un-expiring 0% Interest Payment Plans) on each statement of account by the applicable due date.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
3Interest Free payment plans may vary depending on the promotional type, interest free plan term and promotion conditions. T&Cs, monthly credit card fee and product exclusions apply. Amount payable will be shown on your monthly statement.
4Offer may be withdrawn, Exclusions and T&Cs apply.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.
Visa and the Visa brand are registered trademarks of Visa International.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
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