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Gem Visa card®
Gem Visa card
Enjoy 0% interest for 6 months on general purchases of $250 or more.
Selected in the Latitude App within 30 days.
Monthly credit card fee (currently $10.95), T&Cs and other charges apply.
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.
0% interest on $250+ purchases
Enjoy 0% interest for 6 months on general purchases of $250 or more. Select your purchases in the Latitude App or Latitude Service Centre within 30 days. Here’s how. For all other purchases, get up to 55 days interest free.1
0% interest offers from 6 – 60 months
Enjoy more time to pay with 0% interest plans at 100s of retailers online and in-store.3 No penalties if you pay your plan earlier.
$0 additional card holder fee
Share all the features and benefits without needing to open a second account. Learn More
Everyday offers and discounts
Get cashback in Latitude Rewards when you shop the very latest Merchant Offers in our Latitude App.
Digital wallet compatible
Leave your wallet at home with Apple Pay and Google Pay integration for easy, secure payments.
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.
Top-rated app to complement your card
Stay on top of payments with the 4.8/5 rated Latitude App and never miss a due date.
Save with Expedia and Wotif
Get 10% off on selected hotels with Expedia and Wotif4. Exclusions and T&Cs Apply. Book Now
Around the clock protection
Stay safe with around-the-clock fraud protection. Here’s how we protect you.
Experience more with Latitude Rewards
Each Latitude Reward is worth $1 towards dining and cinema experiences, eGift cards, and more - no points conversion needed.
Earn on eligible spend
Get 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.
Browse tons of rewards
Redeem your Latitude Rewards for dining and cinema vouchers, eGift cards, and more in your Latitude App. Enjoy your rewards your way.
Redeem in seconds
Redeem your rewards in seconds. Just use the Latitude app or log in to the Latitude Service Centre.
Rates & Fees
0%
for 6 months on everyday purchases $250 and over
0%
on Interest Free Payment Plans
0%
up to 55 days interest free1 on everyday purchases
27.99%p.a.
interest rate on everyday purchases
$10.95
monthly credit card fee
Expired Interest Free Payment Plans
29.99% p.a.
Interest rate on cash advances
29.99% p.a.
Interest rate on balance transfers
Please refer to the Balance Transfer interest rate, term and balance transfer fee set out in any offer presented to you.
Cash advance fee
The greater of 3.5% or $4.
International transaction fee
3% on all purchases and cash advances
Payment handling fees
$0 when you pay via the Latitude App, Online Service Centre, mail, or direct debit
$1.95 (online using BPAY®)
$3.95 (in person at Australia Post)
Late fee
$45
Online statements
$0 by opting to receive statements online. Simply login to the Online Service Centre.
Paper statements
$5.00
You can avoid this fee by opting to receive statements online. Simply login to the Online Service Centre.
Balance transfer fee
Up to 3% of balance transfer amount
Payment Options
Latitude App
Make repayments in just a few taps with our mobile app.
How To apply
Apply online
You can check your eligibility and apply in 10 minutes.
Wait a minute
60 seconds is all it takes for us to respond to your application.
Ready, set, shop
Set up your card in your digital wallet and start shopping today!
Eligibility
You must:
Be 18 years or over
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
Download the Latitude credit card app
Still looking for other options? Explore our other credit cards
Latitude Low Rate Mastercard
Low rate.High rewards.
Limited time offer
0% p.a. for 24 months on a Balance Transfer. (3% fee applies)
13.99% p.a. purchase rate
$69 annual credit card fee
Get 3% back in Latitude Rewards when you set up recurring payments direct with participating providers
Latitude GO Mastercard
Break up your bigger buys and enjoy more time to pay.
Available now
$300 credit back when you spend $1500 per month on general purchases in your first 4 months from approval
Up to 55 days interest free on general purchases
28.49% p.a. purchase rate
$10.95 monthly credit card fee
Latitude 28° Platinum Mastercard
Travel better and shop confidently.
Limited time offer
$260 bonus Latitude Rewards
$0 annual credit card fee for the first year (normally $96)
$0 international transaction fees
Up to $240 Latitude Rewards each year
28.49% p.a. purchase rate
All offers are subject to T&Cs.
Pay over time with Latitude Interest Free payment plans
There are several ways to pay when you choose a long-term Interest Free payment plan at 100s of retailer partners. Flexible plan lengths might differ by store.
Equal Monthly plan
Keep it simple and pay the same amount every month.
Total plan amount is paid in the agreed number of monthly payments.
Gives you flexibility to pay out early without any penalty.
Minimum Monthly plan
Available provided you pay your credit card minimum payment each month.
Gives you flexibility to add extra when possible.
Paying this way may not clear the plan within your plan period.
Interest applies on any outstanding balance at the end of your plan period.
Deferred Payment plan
No need to pay anything upfront.
Make payments at any time it suits you during plan period.
Interest applies on any outstanding balance at the end of your plan period.
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.
2Excludes long-term Interest Free payment plans. Other exclusions, T&Cs, card fee & other charges apply. Limited to new and approved Latitude Gem Visa applicants only. Limited to one offer per applicant. To qualify for $200 credit back, you must be approved and fulfil on the terms of the offer by spending $1,000 or more each month on everyday purchases for 3 consecutive months from the date of approval. The $200 credit will be applied within 60 days of meeting the spend criteria. Offer ends 28 February 2025. Latitude may vary, extend or withdraw this offer at any time without notice. Everyday purchases do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Long term Interest Free plan(s), interest and balance transfers into an account. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. The account must be open and not in default of the credit contract when the credit is applied.
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.
3Interest Free payment plans may vary depending on the promotional type, interest free promotional term and promotion conditions. T&C's, fees, charges, and product exclusions apply. Amount payable will be shown on your monthly statement.
4Offer may be withdrawn, Exclusions and T&Cs apply.
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.
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