When you spend within the first 3 months after approval, using your new Gem Visa credit card. Exclusive, invitation offer only. Must be approved by 19 June 2026.
T&Cs Apply.*
Earn ongoing rewards
Earn 3% back in Latitude Rewards2 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. 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.
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.
Around the clock protection
Stay safe with around-the-clock fraud protection.
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 Rewards2 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 Rewards2 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.
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
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.