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Latitude Gem Visa Credit Card

Offers long-term 0% payment plans at stores across Australia and no interest for 6 months on purchases of $250 or more, with an $8.95 monthly account fee.

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.

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21.45% p.a.

Purchase rate

$107.4 p.a.

Annual fee

55 days

Interest free period

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Product NameLatitude Gem Visa
Balance transfer revert rateCash Advance Rate (24.99% p.a.)
Purchase rate p.a.21.45%
Annual fee$107.40
Interest-free periodUp to 55 days on purchases
Cash advance rate24.99% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% interest rate for 6 months on purchases $250 or more
  • Up to 55 days interest-free to pay for purchases under $250 when you meet the criteria
  • Up to 60 months interest-free payment plans


  • A 21.45% p.a. purchase rate kicks in after the 6-month period
  • Expired promotional purchase rate of 24.99% p.a. is high
  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$107.40
Minimum monthly repayment3% of the closing balance or $25, whichever is greater
Late payment fee$30
Foreign currency conversion fee3%
Cash advance fee3% or $3, whichever is greater
Overseas cash advance fee3%

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Latitude Gem Visa has partnered with a wide variety of retailers including JB Hi-Fi, The Good Guys, Harvey Norman, Forty Winks, and Webjet Exclusives to offer interest-free finance for major purchases. While actual offers vary by store and promotion, you can expect to find 12-, 24- and up to 60-month 0% interest payment plans at a range of participating stores throughout the year – along with other seasonal offers of different lengths. Often, you’ll even have the option of applying when you’re in-store and ready to make a purchase.

This can be a useful option if you need to pay for big expenses – like a new washing machine or holiday – but don’t have enough savings to pay for it in one go. But keep in mind that an interest rate of 24.99% p.a. applies if you don’t pay off the entire purchase by the end of the promotional period.

How to apply

You can apply for the Latitude Gem Visa online or in-store at participating retailers when you're taking out a 0% p.a. interest payment plan. With either option, it's a good idea to check that you meet the following eligibility criteria and have all the documents and details needed to complete the application.

Eligibility criteria

  • Residency. Australian citizens, permanent residents and temporary residents are eligible to apply. Temporary residents need to hold a visa that is valid for at least the next 12 months.
  • Credit history. You should only apply for this card if you have a clean credit file without any black marks (such as defaults or previous bankruptcy listings). You can check your credit score for free through Finder.

Card benefits

  • Interest-free payment plans. These plans vary by store and purchase, with three main options:
    • Interest Free Plans. With this option, you need to make minimum monthly repayments and can get a 0% p.a. interest period starting from 6 months.
    • Instalment Interest Free. This payment plan gives you a way to pay off purchases interest-free by making equal monthly repayments over a set period of time. These plans are only available at selected retailers during special promotional periods.
    • Buy Now, Pay Later. With this plan, you can get the items that you want without any upfront payment or scheduled repayments. Instead, you can make payments at any time and won't be charged interest if you pay it off before the plan's end-date.
  • 0% interest on purchases for 6 months. Any purchases you make that are worth $250 or more will automatically be eligible for a 0% p.a. interest rate for 6 months from the date of the purchase (21.45% p.a. interest rate applies thereafter). Note that minimum repayments still apply.

Rates & fees

  • Monthly fee. The Latitude Gem Visa credit card charges a monthly account service fee of $8.95. This will be waived if your balance is less than $10. If you pay the monthly service fee each month, it would add up to $107.40 over a year.
  • Purchase rate. Outside of any promotions, this card has a standard interest rate of 21.45% p.a. on purchases.

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  1. Default Gravatar
    October 24, 2019

    Is it possible to withdrawal cash from gem visa card. ??

    • Default Gravatar
      October 25, 2019

      Hi CSB,

      Thanks for your comment. Yes, you can access cash using your Latitude Gem Visa to make cash withdrawals from any ATM displaying the Visa logo. When withdrawing cash overseas, your account will be debited for the amount in Australian dollars at that day’s exchange rate, for further details refer to your Gem Visa card Conditions of Use.

      Hope this helps and feel free to reach out to us again for further assistance.


  2. Default Gravatar
    October 17, 2019

    Just wondering how the credit limits work on my card? So i want to buy a bed but it cost more than my limit. I want to pay off in installments l. Can I do this?

    • Default Gravatar
      October 17, 2019

      Hi Kata,

      Thanks for reaching out to us. Generally, you are not allowed to purchase any amount on the card that is higher than your credit limit and you would have to request a credit limit increase and if approved, then you can purchase the bed you are looking to buy.

      You are able to pay the bed in installments. You can find the Interest-free payment plans of the card by reading “CARD BENEFITS.”

      Hope this helps and feel free to reach out to us again for further assistance.


  3. Default Gravatar
    September 27, 2019

    Can I spend over my card limit?

    • Default Gravatar
      September 28, 2019

      Hi Zac,

      Thanks for getting in touch! Generally, credit cards have an overdraft limit when you have used up your credit limit. You’ll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. You should only receive one over limit alert between each statement period. There are no charges for going over your credit limit.

      We recommend checking your transactions and monitoring your balance via the Latitude Online Service Centre.

      Hope this helps!


  4. Default Gravatar
    July 30, 2019

    Do you have 55 days to pay off cash advance before interest affects it or is it only the interest of 3% or $30 which ever is greater?

    So let’s say, I took out $450 how long do I have to pay it off and what is the interest?

    • Avatarfinder Customer Care
      July 30, 2019

      Hi Jarvis,

      Thank you for getting in touch with Finder.

      The charge of 3% of your transaction value or $3, whichever is greater, is called the cash advance fee. If you take out $450 cash from your Gem Visa card you will see a $13.50 added to your $450 withdrawn cash and the balance will earn 24.99% p.a. as cash advance interest rate. Unlike purchases, cash advance transactions are not eligible for interest-free days. The transaction accrues interest at the cash advance rate of interest from the time it is made until you pay it off in full.

      I hope this helps.

      Thank you and have a wonderful day!


  5. Default Gravatar
    October 17, 2018

    Hi I’m Brad, I just want to know if I spend $1500 on my Gem card at a retailer not on the list does that still give me 6 months free interest . And if I only repay $1000 in the 6 months do I only pay interest on the $500 balance

    • Avatarfinder Customer Care
      October 22, 2018

      Hi Brad,

      Thank you for getting in touch with finder.

      It is YES on both of your questions. If you use this Gem Visa card outside the partner network to make a purchase of $1500 – which is more than $250, you don’t have to pay any interest for 6 months. Now, if you just pay $1000 within 6 months, the remaining balance of $500 will be charged at 24.99% p.a.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


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