Latitude Gem Visa
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.
- Purchase rate
- 28.99%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| 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% | — | — |
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 |
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.
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old.
- Residency status — Australian residentA 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 — $1,000.00Minimum 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
Published by Latitude Credit Cards under the Consumer Data Right · Last updated 14 July 2026 · Product ID 01fbc1c8-d7e1-4403-ab17-b555a054eba3