Is Latitude Gem Visa right for you?
Enjoy 6 months Interest Free on Visa purchases over $250 1 and up to 55 days 2 Interest Free on purchases under $250.
Streamlined rates and fees
Our rates are easy to understand and you’ll only have to pay one manageable annual fee.
Safe and secure
Our fraud protection promise to you
Your Latitude Gem Visa card is protected by robust security measures – both when you shop in-store and online – so you can spend safe in the knowledge that we’ve always got your back.
Stopping fraud in its tracks
As soon as a suspect transaction is detected, our card security experts get to work immediately reviewing any suspicious activity while taking necessary action.
Shop securely online with Verified by Visa
The moment you make a purchase online, Verified by Visa validates it in real-time to help reduce credit card fraud and unauthorised credit card use.
Money back guarantee
If there is fraudulent activity on your Latitude Gem Visa card, you will not be held liable – provided you notify us promptly, have not contributed to the loss and have stuck to the Conditions of Use.
Interest rates and fees
|Monthly account keeping fee||$0|
|Paper statements||$2.50 per statement|
|Cash advance fee||$3 or 3% of the cash advance, whichever is greater. You’ll never pay more than $30|
|International transaction fee||3% of the purchase or cash advance|
|Payment handling fee||$2.50 (in person)
Making the most of your Latitude Gem Visa
There are lots of ways to make your work for you.
Interest Free offers
Take advantage of 12, 18 and 24-month Interest Free payments plans from a range of retailers.
Find a participating store near you and start your Interest Free spending spree today.
Enjoy exclusive deals, discounts and offers by simply using your Visa card at home or overseas.
3 steps to enjoying your own
Check your eligibility and complete your application in less than 10 minutes.
Get your approval
We will give you a response on your application in under 60 seconds.
Get your card
If approved, you’ll be able to shop with your account number straight away.
To be eligible, you must be:
- At least 18 years of age
- A permanent resident of Australia
And make sure you provide the following:
- Driver’s licence, passport or proof of age card
- Details of your income, assets and liabilities
- Your employer's name and contact number
Frequently Asked Questions
Application and activation
Your credit limit
Managing your account
1 Extended Interest Free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.
2 To take advantage of up to 55 days Interest Free on every day credit card 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.
3 The same rate applies to interest bearing balances such as cash advances and outstanding retail purchases balances after an interest free promotion period is over. Interest on over $250 Interest Free or promotional purchases is not backdated, so you only pay interest on the remaining balance of those purchases from when your Interest Free period expires.