Buy today and enjoy more time to pay.

With an Interest Free payment plan available on your participating Latitude credit card.Apply nowT&Cs, fees and charges apply.

Participating Latitude credit cards with Interest Free payment plans

Get the lowdown on the finer details before you apply.

Latitude Gem Visa

Latitude Gem Visa

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

fee (Subject to change)
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 everyday purchases under $250.1
Latitude GO Mastercard<sup>®</sup>

Latitude GO Mastercard®

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

fee (Subject to change)
Interest 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.

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.

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Pay off early, no worries

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

Get started

How Interest Free payment plans work

Latitude offers different payment plans for you to access at thousands of retailers.

Equal Monthly
Keep it simple and pay the same amount every month
Equal Monthly
With equal monthly payments, you’ll know exactly how much to pay each month. Plans vary and are only available during select promotional periods.
Minimum Monthly
Pay minimum monthly payments, but chip in extra where I can
Minimum Monthly
You need to make a minimum payment each month, but you have the flexibility to make extra payments at any time. Plans start from 6 months.
Pay when it suits me
You don’t need to make any payments during the promotional period. However, you can make payments at any time. Plans start from 3 months.

If you have a balance remaining at the end of your chosen Interest Free payment plan period, interest will apply.

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.


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!


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

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 everyday credit card 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, fees, charges and exclusions 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.