Buy today and enjoy more time to pay.
Participating Latitude credit cards with Interest Free payment plans
Get the lowdown on the finer details before you apply.
Latitude Gem Visa
Your go-to shopping card for Interest Free plans, Latitude Rewards and so much more!
- Enjoy 6 months Interest Free on your general purchases of $250 or more. Select your purchases in the Latitude App within 30 days.3
- 0% Interest long term payment plans.3
- Up to 55 days2 interest free on general purchases.
- Amazing everyday and travel offers.
Latitude GO Mastercard®
An everyday credit card with the flexibility of Interest Free payment plans.
- Long term Interest Free deals at Harvey Norman and other fantastic retailers.*
- Up to 55 days Interest Free on everyday 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.
Get started
Go shopping
Browse in-store or online, until you find what you're looking for.
Quick approval
After you submit your application, we'll get back to you in 60sec flat.
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.
- 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
- 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.
- Your driver's licence, passport or Medicare card
- Details of your income, living expenses & debts
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.
2 To take advantage of up to 55 days interest free on general 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 T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may apply. Exclusions may apply.
New customers only. T&Cs, monthly credit card fee (currently $10.95) and other charges apply. Monthly payments required. Must be approved and spend by 31 January 2026. To qualify for $100 Amazon Gift Card, you must be approved and fulfil on the terms of the offer by spending $500 or more on an Interest Free payment plan on Amazon using your Gem Visa credit card by 31 January 2026. Latitude may vary, extend or withdraw this offer at any time without notice. Interest Free payment plans do not include general purchases, cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. Transactions must be fully processed and any pending transactions at the end of the offer period will not count towards the spend criteria for the period. Your Amazon Gift Card will be sent to your nominated email address within 90 days of meeting the spend criteria. The account must be open and not in default of the credit contract when the Gift Card is sent. Visit https://www.latitudefinancial.com.au/interest-free/amazon/ for details. Excludes any other offers. Credit provided by Latitude Finance Australia ABN 42 008 583 588. Australian Credit Licence number 392145.
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.