The Latitude Gem Visa is a credit card that gives you a few different ways to shop interest-free. It has partnered with a range of stores around Australia to offer interest-free payment plans that range from 6 to 60 months, depending on the offer. It also offers 0% p.a. for 6 months automatically when you make purchases over $250 and up to 55 days interest-free on eligible everyday purchases.
Latitude Gem Visa Credit Card

- Purchase rate
- 27.99% p.a.
- Annual fee
- $131.4 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers $200 credit back, a long-term 0% payment plans at participating stores across Australia and 0% for 6 months on purchases of $250 or more.
Pros
-
$200 credit back
-
0% interest rate for 6 months on purchases $250 or more
-
Up to 60 months interest-free payment plans
-
Up to 55 days interest-free on everyday purchases
Cons
-
A 27.99% p.a. purchase rate kicks in after the 6-month period
-
Expired promotional purchase rate of 29.99% p.a. is high
-
No rewards program and travel insurance
-
Charges a payment handling fee of $1.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude’s Online Service Centre or via direct debit.
Details
Product details
Product Name | Latitude Gem Visa |
Purchase rate p.a. | Purchase rate p.a.27.99% |
Interest-free days | Up to 55 days on purchases |
Cash advance rate p.a. | 29.99% |
Min credit limit | $1,000 |
Card type | Visa |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | Annual fee $131.40 |
Minimum monthly repayment | 3% of the closing balance or $25, whichever is greater |
Late payment fee | $45 |
Foreign currency conversion fee | Foreign currency conversion fee 3% |
Cash advance fee | 3.5% or $4, whichever is greater |
Overseas cash advance fee | 3% |
Additional cardholder fee | $0 |
Your reviews

Amy Finder
Journalist
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Sarah Megginson Finder
January 06, 2025
Hi Harry,
Yes, the $10.95 monthly account service fee for the Latitude Gem Visa credit card is charged regardless of the balance in the account. It’s comparable to an annual credit card fee, which is charged for the full year, regardless of the balance of the card at any time.
Hope this helps!
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KUSHAL
October 30, 2024
can I buy airlines tickets with this card?

Angus Kidman Finder
October 30, 2024
Hi Kushal, I’m not aware of any airlines that have specifically partnered with Latitude to offer tickets through this card.

Gregory
September 18, 2024
Hi trying to find out if this card is active and if there is money owed on it as we cancelled it a while ago

Angus Kidman Finder
September 18, 2024
Hi Gregory, You’ll need to contact Latitude directly to find out if the card is still active. You can contact the Latitude credit card team on 13 10 24.

Syed
December 12, 2023
Hi. If I make a payment of $1000 to clear my Centrelink debt using gem Visa card will I get 6 months interest free for this?
Thank You.
Syed

Amy Bradney-George Finder
December 12, 2023
Hi Syed,
This card offers 6 months interest-free on purchases over $250. So it would depend on whether or not the payment was considered as a purchase. For example, BPAY payments with this card are not considered purchases. As this is a very specific payment, you may want to contact Latitude directly on 1300 552 079 or through the app to check how it would be classified. I hope this helps.
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Shaz
November 30, 2023
Can Lattitude Gem be use online and in store for Woolworths or Cole’s

Amy Bradney-George Finder
December 04, 2023
Hi Shaz,
Yes, you can use Latitude Gem at Woolworths or Coles, as well as other businesses that accept Visa credit cards. Just keep in mind that the long-term 0% interest plans are only available at participating stores, which does not include Woolworths and Coles. So if you wanted to shop interest-free, you would need to meet the requirements for either interest-free days or 0% for 6 months on purchases of $250 or more, as outlined in this review and by Latitude. I hope that helps.
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Harry
January 05, 2025
Hi, I recently got my GEM Visa card with a limit of $10,000. I want to know if I don’t use the card, do I still need to pay the monthly fees? If not, let’s suppose I make a transaction of $500 on a 6-month interest-free plan and pay the balance within 6 months. After that, if I’m not using the card, will they still deduct the monthly fees? If yes, then wouldn’t it be better to use the card for purchases and take advantage of the interest-free period rather than paying monthly fees for nothing?
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