Latitude Credit CardsLatitude Gem Visa
Latitude Gem Visa gives you flexible ways to pay—enjoy 0% interest from 6–60 months at leading retailers or 6 months on general purchases $250+ - selected within 30 days of purchase, plus up to 55 days interest free on general purchases. Latitude Gem Visa also lets you earn 3% back in Latitude Rewards on eligible spend across groceries, dining, theatre, and cinema when you spend at least $1,000 per statement cycle.
At a glance
- Purchase rate
- 28.99%
- Cash advance
- 29.99%
- Interest-free days
- 1800
- Foreign transaction fee
- 3.00%
- Rewards
- Latitude Rewards
- Balance transfer
- 0.00% for 1 yr
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 28.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.95%of 51 institutions | 51st lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 28.99% | 9.90%Westpac Lite Card | 19.99%of 25 institutions | 25th lowest of 25 |
Rates
Every rate Latitude Credit Cards publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferAlways on BT - 0% for 12 months on Balance Transfers with a 3% BT fee. | - | 1 yr intro | - | 0.00% | - | - |
| Balance transfer | - | 13 mo intro | - | 29.99% | - | - |
| Cash advance29.99% p.a. cash advance rate. Also applies to balance transfers unless a specific balance transfer rate is subsequently offered. | - | - | - | 29.99% | - | - |
| PurchaseInterest rate on general purchases | - | - | - | 28.99% | - | - |
Fees
11 fees published, grouped by when they're charged.
While you hold it2
- Credit Card Fee
Credit card fee charged monthly (subject to change).
$11.95 a month - Paper Statements
You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre.
$5 every 1 days
When you make a transaction4
- Cash Advance Fee
The greater of 3.5% or $4.
3.50% of transaction - Cash Advance Rate29.99% of transaction
- Payment Handling Fees
$3.95 (in person at Australia Post), $1.95 (online using BPAY®). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre.
$0 to $3.95 - International Transaction Fee
International transaction fee on purchases.
3.00% of transaction
If a payment is late or fails1
- Late Fee
Fee charged when a minimum payment is not received by the due date.
$45
Other fees4
- Balance Transfer Fee
Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer.
3.00% of transaction - Credit Balance Processing Fee
The fee amount will be the lesser of your balance or $19.99
$19.99capped at $19.99 - Expired Plan Rate
Expired Plan Rate 29.99% p.a.
29.99% of balance - Online Statements
$0 by opting to receive statements online. Simply login to the Latitude Service Centre.
No fee
Features
- Everyday offers and discounts Get cashback in Latitude Rewards when you shop the very latest Merchant Offers in our Latitude App.
- Enjoy more time to pay Shop smart with long term Interest Free payment plans using minimum or equal monthly payments. No penalties if you pay your plan early.
- Shop smart and earn $400 in Latitude Rewards when you spend $1,500 per month on purchases, including Interest Free plans, for the first 4 months after approval with your Latitude Gem Visa credit card…
- Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.75% of the closing balance, shown for the statement period on your statement o…
Eligibility and limits
- Minimum age 18
- Residency: Australian resident
- Minimum income $20,000
- Available to individuals
- Amount from $1,000, no maximum
- Able to supply identification and financial details Your driver's licence, passport or Medicare card Details of your income, living expenses & debts
- Credit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
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Published by Latitude Credit Cards under the Consumer Data Right, last changed by them on 10 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.