Why shop Interest Free?

Use a participating Latitude credit card to access Interest Free payment plans.

Shop with more time to pay

Choose equal payments, minimum monthly payments, or pay when it suits you.

Shop with choice

Interest Free payment plans from 6 to 60 months available at hundreds of retailers.

Stay in control

Download the Latitude App to keep everything on track and use tap and pay on the go.

4FF5DF30-EC33-4E63-809A-1ABCD6FED01FCreated with sketchtool.
Pay off early, no worries

Want to pay off your Interest Free payment plan early? Go for it! There are no penalties.

Get started

Pay over time with Latitude Interest Free

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. 



T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may also apply.

Always equal

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.

Pay extra anytime

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.

Pay anytime

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.

All Latitude credit cards with Interest Free payment plans

Get the lowdown on the finer details before you apply.


Latitude GO Mastercard<sup>®</sup>

Latitude GO Mastercard®

An everyday credit card with the flexibility of Interest Free payment plans.

$10.95
Credit card fee charged monthly (subject to change)
0%
Interest payment plans
  • Long term Interest Free deals at Harvey Norman and other fantastic retailers.*
  • Up to 55 days Interest Free on general purchases.1
  • 6 months Interest Free on purchases $250 and over. GO Mastercard credit card customers however must opt into this feature via the Latitude app within 30 days of their purchase.
Latitude Gem Visa

Latitude Gem Visa

Your go-to shopping card with 6 months Interest Free on purchases $250 and over.

$10.95
Monthly credit card fee
0%
Interest payment plans
  • Long term Interest Free plans at thousands of retailers*
  • 6 months Interest Free on purchases $250 and over
  • Up to 55 days Interest Free on general purchases under $250.1

Other Latitude credit cards with Interest Free plans

Apple CreditLine
Apple CreditLine
CreditLine
CreditLine
Buyer's Edge
Buyer's Edge

Get started


For new customers
For existing customers
Shopping cart

Go shopping

Browse in-store or online, until you find what you're looking for.

credit card

Sign up to Latitude

Apply for a Latitude credit card with our easy to use digital portal.

Stopwatch

Quick approval

After you submit your application, we'll get back to you in 60sec flat.

Snap fingers

Checkout time

Choose your preferred payment plan at check out and you're all done!

How to apply for a Latitude Gem Visa credit card

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!

Eligibility

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

Our latest Interest Free offers

Access Interest Free payment plans with participating Latitude credit cards.

See all offers

T&Cs, fees, charges and exclusions apply.


Apply Now

Shop by retailer

See all retailers
Apply Now

Become a Latitude partner

Give your customers more time to pay with long term Interest Free payment plans available through participating Latitude credit cards.


Visit our Merchant Hub

We're here to help

For more information and useful help request forms.


Visit our Help Centre

Important information

1 To take advantage of up to 55 days Interest Free on credit card general purchases, you need to pay the full closing balance (excluding un-expiring Interest Free Payment Plans) on each statement of account by the applicable due date.

* Extended Interest Free terms may vary. Available at participating retailers to approved applicants only. T&Cs, monthly credit card fee and other charges apply. Exclusions may apply.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

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