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Key advantages of Latitude Gem Visa

Interest Free payment plans at thousands of stores.

Interest Free payment plans at thousands of stores.

Plans from 6–60 months. Perfect for bigger purchases.

Find out more
Instant 6 months Interest Free on purchases $250 and over.

Instant 6 months Interest Free on purchases $250 and over.

Anywhere, anytime with your Latitude Gem Visa.

Pay off early. No worries.

Want to pay off your Interest Free plan early? Go for it, there are no penalties.

The perfect card, everyday.

The Latitude Gem Visa offers up to 55 days interest free1 on everyday purchases, so it's the perfect go-to card for your everyday spending too.

Ready, set, tap.

With our instant cardless payment feature, you can start shopping from your phone in minutes.

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Managing your account made easy.

The Latitude App makes it easier than ever to track spending and manage repayments.

Expedia and Wotif Offers

Expedia and Wotif hotel discounts ready for check-in.

Book with your Latitude Gem Visa credit card before 30 September 2024 to enjoy 10% discount on selected hotels at Expedia and Wotif when you stay before 31 December 20242.

Rates & Fees


for 6 months on everyday purchases $250 and over


on Interest Free Payment Plans


up to 55 days interest free1 on everyday purchases


interest rate on everyday purchases+


monthly account service fee (subject to change)

Let's do this.

  1. Apply online
    You can check your eligibility and apply in 10 minutes.
  2. Wait a minute
    60 seconds is all it takes for us to respond to your application.
  3. Ready, set, shop
    Set up your card in your digital wallet and start shopping today!


You must be:
  • Over 18 years of age
  • 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:
  • Your driver's licence, passport or Medicare card
  • Details of your income, living expenses & debts

Latest Interest Free offers

With hundreds of retail partners, there’s something for everyone.

Use Visa. Get rewarded.

As a Latitude Gem Visa credit cardholder, you get exclusive discounts, offers and deals just for using your card.

Payment Options

  • Latitude App
  • Latitude Service Centre
  • BPAY
  • Direct Debit

Latitude App

Make repayments in just a few taps with our mobile app.

app storeplay store
  • Get the app

    Simply download the Latitude App from the App Store or Google Play

  • Create a Latitude ID

    Open the app and create your Latitude ID (this is different to your Online Service Centre login).

  • Link your card

    Once your credit cards are linked, you’ll be able to make payments via bank transfer with your BSB and Account Number (Australia only).

Note: Please be aware that bank transfer payments can take three business days to clear and you can only make one payment to your card account every five days.

No Fees

We do not charge a fee for payments made via direct bank transfer on the Latitude App.

Latitude Service Centre

One of the quickest & easiest way to make repayments.

To make a payment
  • Login to the Latitude Service Centre
  • Click ‘Pay My Account’

    Then enter your bank details.


Registering is easy and only takes a few minutes, just make sure you have your card or 16-digit account number on hand.

Note: Please be aware that payments can take 3 to 5 business days to clear.

No Fees

We do not charge a fee for payments made via the Latitude Service Centre.


Available 24 hours a day, seven days a week.

To make a payment
  • Quote the Biller code

    Latitude Gem Visa Biller Code (154799)

  • Your account number
  • The amount you wish to pay

Note: If you’re paying by BPAY on your due date, you must complete the transaction before your bank’s cut off time, otherwise the transaction may be processed on the following day. Some BPAY payments can take up to three days to appear on your account.


A payment handling fee of $1.95 applies for all payments made via BPAY® to pay your account.

Direct Debit

Easily make recurring repayments.

The easiest (and quickest) way to pay off your credit card is with a monthly direct debit.

You can choose whether to pay a set amount, the monthly minimum or the full closing balance, and on your due date each month your payment will automatically happen!

Click here to find out more about setting up a direct debit.

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

Apple PaySamsung PayFitbit PayGoogle PayGarmin Pay

We're here to help

For FAQs, useful information and quick and easy forms

Important Information

Visa and the Visa brand are registered trademarks of Visa International.

1To take advantage of up to 55 days interest free on everyday 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.

2 Offer may be extended or withdrawn and is only available via the Latitude App. Exclusions and T&Cs apply. See the Latitude dedicated page to learn more.

3 Offer may be withdrawn and is only available via the Latitude App. Exclusions and T&Cs apply. See the Latitude dedicated page to learn more.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

* Note: Effective from 17 July 2024, this fee is applicable regardless of your account balance, whether in debit or credit.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.

® Registered to BPAY Pty Ltd ABN 69 079 137 518