Snooze now. Pay later.

Big. Small. Shop it all. Shop for all your bedroom essentials Interest Free with a Latitude Gem Visa credit card.

New customers must apply and be approved for a Latitude Gem Visa credit card. Available on participating Latitude credit cards only. Minimum spend applies. See details below.

Shop now with a Latitude Gem Visa credit card

Pay minimum monthly repayments over 6-24 months and chip in extra where you can. Available in-store and online.

6 MONTHS
INTEREST FREE
On purchases over $500
12 MONTHS
INTEREST FREE
On purchases over $750
18 MONTHS
INTEREST FREE
On purchases over $999
24 MONTHS
INTEREST FREE
On purchases over $999

Explore Latitude Interest Free plans

Latitude Gem Visa credit card
I want to pay off my big-ticket items over time, and chip in extra when I can
Flexible
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.

Why choose Latitude Interest Free?

Latitude Gem Visa Credit Card
Flexible payment options

We partner with some of Australia’s best brands and retailers to give you access to Interest Free plans for all your larger purchases.

6 months Interest Free

Automatically get 6 months Interest Free when you spend $250 or more with your Latitude Gem Visa credit card.

Ready, set, tap

Apply, get approved and start shopping from your phone - in minutes, thanks to our instant cardless payment feature.

View your spending 24/7

Manage your payments and stay on top of your due dates with the Latitude App.

Latitude Gem Visa Credit Card
Flexible payment options

We partner with some of Australia’s best brands and retailers to give you access to Interest Free plans for all your larger purchases.

6 months Interest Free

Automatically get 6 months Interest Free when you spend $250 or more with your Latitude Gem Visa credit card.

Ready, set, tap

Apply, get approved and start shopping from your phone - in minutes, thanks to our instant cardless payment feature.

View your spending 24/7

Manage your payments and stay on top of your due dates with the Latitude App.

How to shop interest free

With a new Latitude Gem Visa credit card

Apply now for a Latitude Gem Visa credit card

Interest free cards
How to apply
  • Apply online in 10 minitues
  • Once approved, simply activate your card online using the Latitude app
  • In-store purchases: provide us with your photo ID and account number
  • Online purchases: checkout using your Latitude Gem Visa credit card account number and have your mobile phone on hand for verification
Apply now

With your existing Latitude credit card

Start shopping interest free now!

Interest free cards
How to shop interest free
  • For online purchases simply enter your card or account number during the checkout process
  • Or visit your nearest store and present your card at checkout
Start shopping now

Rates & Fees

Latitude Gem Visa credit card

0

%
p.a.
for 6 months on everyday purchases $250 and over

0

%
p.a.
on Interest Free Payment Plans

0

%
p.a.
up to 55 days Interest Free1 on everyday purchases

27.49

%
p.a.
interest rate on everyday purchases

$10.95*

monthly account service fee
(subject to change)

Important Information

Interest Free with Minimum Monthly Payment plans (Interest Free Promotion). Available on 6, 12, 18 & 24 Month Terms
Approved customers only. Conditions, fees and charges apply. Minimum spends apply. Monthly payments must be made during the promotional period. Interest and payments are payable after the interest free period expires. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. At the end of the plan, interest will be charged at 29.99% p.a. Account service fee of $10.95 per month applies (subject to change)*.

Online & In-Store Orders
If you have made a Latitude Interest Free order online, details of your monthly payment will appear on your next statement after you’ve made your order.

General Terms and Conditions
This notice is given under the Latitude Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Credit is provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

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

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 0% Interest Payment Plans) on each statement of account by the applicable due date.

* Note: Effective from 17 July 2024, this fee is applicable regardless of your account balance, whether in debit or credit.

® Registered to BPAY Pty Ltd ABN 69 079 137 518