Latitude Credit Cards
Latitude Gem Visa
Latitude Credit Cards · cred and chrg cards
Provider last updated this product 2026-09-10.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 29.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| 29.99% p.a. cash advance rate. Also applies to balance transfers unless a specific balance transfer rate is subsequently offered. | |||||||
| PURCHASE | 28.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest rate on general purchases | |||||||
| BALANCE TRANSFER | 29.99% | - | OTHER | OTHER | - | 13+ months | calculated daily, paid monthly |
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 12 months | 1 - 12 months | calculated daily, paid monthly |
| Always on BT - 0% for 12 months on Balance Transfers with a 3% BT fee. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Credit Card Fee | PERIODIC | $11.95 | Credit card fee charged monthly (subject to change). |
| Cash Advance Fee | CASH_ADVANCE | 3.50% | The greater of 3.5% or $4. |
| Late Fee | LATE_PAYMENT | $45 | Fee charged when a minimum payment is not received by the due date. |
| Payment Handling Fees | PAYMENT | - | $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. |
| International Transaction Fee | TRANSACTION | 3.00% | International transaction fee on purchases. |
| Balance Transfer Fee | OTHER | 3.00% | Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer. |
| Paper Statements | PERIODIC | $5 | You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre. |
| Expired Plan Rate | OTHER | 29.99% | Expired Plan Rate 29.99% p.a. |
| Cash Advance Rate | CASH_ADVANCE | 29.99% | - |
| Online Statements | OTHER | $0 | $0 by opting to receive statements online. Simply login to the Latitude Service Centre. |
| Credit Balance Processing Fee | OTHER | $19.99 | The fee amount will be the lesser of your balance or $19.99 |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- 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.
- Shop smart and earn $400 in Latitude Rewards when you spend $1,500 per month on purchases, including Interest Free plans, for the first 4 months after approval with your Latitude Gem Visa credit card. T&Cs, monthly credit card fee (currently $11.95) and other charges apply. New customers only, must be approved by 29 January 2027. Excludes any other offers.
- 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.
Who can apply
- min age - 18Applicants 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.
- otherAble to supply identification and financial details Your driver's licence, passport or Medicare card Details of your income, living expenses & debts
- min income - 20000.00To be eligible you must: Have an income of at least $20,000 gross per year, from employment or investments
- otherCredit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
- natural personProduct is only eligible for a natural person.
Limits
- min limit - 1000.00Minimum credit limit of $1,000.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-10T07:10:11.831Z · Product ID: 01fbc1c8-d7e1-4403-ab17-b555a054eba3