Interest Free terms & conditions

Our Interest Free Payment Plans explained

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.
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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.
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Flexible
Pay when it suits me
Flexible
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.
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Interest Free with Equal Monthly Payment plans (Instalment Interest Free Promotion).

Approved customers only. Conditions, fees and charges apply. Available on advertised or ticketed price upon request. Minimum spends apply. Payable in equal monthly payments (exact amounts specified in your statement). At the end of the plan, interest will be charged at 24.99% p.a. Account service fee of $8.95 per month applies.

For plans with a term less than 33 months, the minimum monthly payment will be greater than an interest free payment for the same term and you may pay more interest on any other outstanding balance on your credit card account, as your repayments will be allocated to this plan first. If you don't make your minimum monthly payment, for two consecutive months, you agree that all equal monthly payment plans (Instalment Interest Free Promotion) with a term less than 33 months will change to a minimum monthly payment plan (Interest Free Promotion) for the remainder of the original plan term. Interest may apply on any outstanding balance upon expiry of the promotional period.

Interest Free with Minimum Monthly Payment plans (Interest Free Promotion).

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 24.99% p.a. Account service fee of $8.95 per month applies.

Interest Free with Flexible Payment plans (Buy Now Pay Later Promotion).

Approved customers only. Conditions, fees and charges apply. Minimum spends apply. Interest and payments are payable on any outstanding balance after the plan expires. At the end of the plan, interest will be charged at 24.99% p.a. Account service fee of $8.95 per month applies.

Important information

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.