Latitude Gem Visa

Love shopping?
How does 6 months Interest Free on purchases over $2501 sound?

Is Latitude Gem Visa right for you?

0% Interest

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
Shop in the knowledge that your card and account are protected by stringent

Interest rates and fees

Interest rates:
0 % p.a.
for 6 months on everyday Visa purchases over $2501
0 % p.a.
for up to 55 days2 on everyday Visa purchases under $250
24.99 % p.a.^
standard Visa purchase interest rate
24.99 % p.a.^
on cash


Making the most of your Latitude Gem Visa

Everyday use

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.

Start shopping

Find a participating store near you and start your Interest Free spending spree today.

Special offers

Enjoy exclusive deals, discounts and offers by simply using your Visa card at home or overseas.

3 steps to enjoying your own

Apply online

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.

Application checklist:

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

Important Information

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.