--- title: "Latitude Gem Visa — Latitude Credit Cards" description: "Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/latitude-credit-cards/products/01fbc1c8-d7e1-4403-ab17-b555a054eba3 source: "CDR Compare" language: en-AU last_updated: 2026-08-05T13:34:12.113Z --- # Latitude Gem Visa — Latitude Credit Cards > Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Latitude Gem Visa gives you flexible ways to pay—enjoy 0% interest from 6–60 months at leading retailers or 6 months on general purchases $250+ - selected within 30 days of purchase, plus up to 55 days interest free on general purchases. Latitude Gem Visa also lets you earn 3% back in Latitude Rewards on eligible spend across groceries, dining, theatre, and cinema when you spend at least $1,000 per statement cycle. ## At a glance - **Purchase rate:** 28.99% ## Apply Applications are handled by the provider: [Apply at Latitude Credit Cards](https://www.latitudefinancial.com.au/credit-cards/gem-visa/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (Always on BT - 0% for 12 months on Balance Transfers with a 3% BT fee.) | 0% | — | Promotional period 1–12 months | | Purchase (Interest rate on general purchases) | 28.99% | — | — | | Cash advance (29.99% p.a. cash advance rate. Also applies to balance transfers unless a specific balance transfer rate is subsequently offered.) | 29.99% | — | — | | Balance transfer | 29.99% | — | Ongoing revert rate 13+ months | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Credit Card Fee — Charged monthly · Credit card fee charged monthly (subject to change). | Ongoing | $11.95 | | Cash Advance Fee — The greater of 3.5% or $4. | Cash advance | 3.5% of transaction | | Late Fee — Fee charged when a minimum payment is not received by the due date. | Late payment | $45.00 | | Payment Handling Fees — $3.95 (in person at Australia Post), $1.95 (online using BPAY®). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre. | Payment | $0.00 – $3.95 | | International Transaction Fee — International transaction fee on purchases. | Transaction | 3% of transaction | | Balance Transfer Fee — Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer. | Other | 3% of transaction | | Paper Statements — Charged daily · You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre. | Ongoing | $5.00 | | Expired Plan Rate — Expired Plan Rate 29.99% p.a. | Other | 29.99% of balance | | Cash Advance Rate | Cash advance | 29.99% of transaction | | Online Statements — $0 by opting to receive statements online. Simply login to the Latitude Service Centre. | Other | $0.00 | | Credit Balance Processing Fee — Capped at $19.99 · The fee amount will be the lesser of your balance or $19.99 | Other | $19.99 | ## Features - **Loyalty program** — Latitude Rewards (Earn ongoing rewards Earn 3% back in Latitude Rewards on eligible spend across groceries, dining, food delivery, movie and theatre ticket purchases — after you spend $1,000 or more on general purchases in a statement period. T&Cs apply.) - **Interest-free period** — 5 years (0% interest offers from 6 – 60 months Enjoy more time to pay with 0% interest plans  at 100s of retailers  online and in-store. No penalties if you pay your plan earlier.) - **Interest-free period** — 6 months (0% on $250+ purchases Enjoy 0% interest for 6 months on general purchases of $250 or more. Select your purchases in the Latitude App within 30 days.) - **Additional cards** — up to 1 ($0 additional card holder fee. Share all the features and benefits without needing to open a second account.) - **Card access** — Visa (Visa credit card access.) - **Digital wallet** — Apple Pay (Digital wallet compatible Leave your wallet at home with Apple Pay integration for easy, secure payments.) - **Interest-free period** — 55 days (Up to 55 days interest free on general purchases when paid in full by due date. To 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 Interest Free Payment Plans) on each statement of account by the applicable due date.) - **Everyday offers and discounts Get cashback in Latitude Rewards when you shop the very latest Merchant Offers in our Latitude App.** - **Enjoy more time to pay Shop smart with long term Interest Free payment plans using minimum or equal monthly payments. No penalties if you pay your plan early.** - **Discounts on other products** — Save with Expedia and Wotif (Get 10% off on selected hotels with Expedia and Wotif. Exclusions and T&Cs Apply. Book Now ) - **Digital banking** (Top-rated app to complement your card Stay on top of payments with the 4.8/5 rated Latitude App and never miss a due date. ) - **Fraud protection** (Around the clock protection Stay safe with around-the-clock fraud protection. Here’s how we protect you. ) - **$300 Latitude Rewards Earn $300 Latitude Rewards when you apply for a Latitude Gem Visa credit card and spend $2,000 per month on eligible purchases including Interest Free plans for the first 3 months after approval. New customers only, must be approved by 31 August 2026.** - **Balance transfers** (0% p.a. for 12 months Balance Transfer, 3% Balance Transfer fee and eligibility criteria applies. ) - **Digital wallet** — Google Pay (Digital wallet compatible Leave your wallet at home with Google Pay integration for easy, secure payments.) - **Digital wallet** — Samsung Pay (Pay with your compatible Samsung phone) - **Digital wallet** — Garmin Pay (Pay with your compatible Garmin device) - **Interest-free transfers** — 1 year (Always On BT - 0% for 12 months on Balance Transfers with a 3% BT fee.) - **Balance transfers** (Balance transfers available.) ## Eligibility - **Minimum age** — 18 years (Applicants must be at least 18 years old.) - **Residency status** — Australian resident (A resident of Australia or a temporary resident who legally has the right to work in Australia (and intend to stay) for at least the next 12 months.) - **Able to supply identification and financial details Your driver's licence, passport or Medicare card Details of your income, living expenses & debts** - **Minimum income** — $20,000.00 p.a. (To be eligible you must: Have an income of at least $20,000 gross per year, from employment or investments) - **Credit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years** ## Constraints - **Minimum limit** — $1,000.00 (Minimum credit limit of $1,000.) - **Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.75% of the closing balance, shown for the statement period on your statement of account. If your outstanding balance is less than $30, you must pay that balance.** ## More information from Latitude Credit Cards - [Overview](https://www.latitudefinancial.com.au/credit-cards/gem-visa/) - [Terms & conditions](https://assets.latitudefinancial.com/legals/credit-card-general-terms-and-conditions.pdf?_gl=1*sp8k20*_gcl_dc*R0NMLjE3NzY4MTcxMjMuZDBjNzExZjI2MDhhMWZiODc2Yjg3ODFhNzM1ODIzNGE.*_gcl_au*MTczNDMzNTE3OS4xNzcxOTkyODAx*_ga*MTk5MjY2Nzg0Ni4xNzcxOTk2Nzg1*_ga_HN02VX7PXM*czE3NzgwNDg1NTkkbzE2NyRnMSR0MTc3ODA0OTE1MyRqNDQkbDAkaDA.*_ga_VZY6JWYT4Y*czE3NzgwNDg1NTkkbzE2NiRnMSR0MTc3ODA0OTE1MyRqNDQkbDAkaDA.) - [Eligibility](https://www.latitudefinancial.com.au/credit-cards/gem-visa/#eligibility) - [Fees & pricing](https://www.latitudefinancial.com.au/credit-cards/gem-visa/#rates) ## Data provenance - Published by Latitude Credit Cards under the Consumer Data Right - Product ID: `01fbc1c8-d7e1-4403-ab17-b555a054eba3` - Last updated by the provider: 5 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/latitude-credit-cards/01fbc1c8-d7e1-4403-ab17-b555a054eba3 - Provider page: https://www.cdrcompare.au/brands/latitude-credit-cards --- Source: [CDR Compare](https://www.cdrcompare.au/brands/latitude-credit-cards/products/01fbc1c8-d7e1-4403-ab17-b555a054eba3) — product data published by Australian data holders under the Consumer Data Right. 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