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
- 26.99% p.a.
- Annual fee
- $119.4 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers long-term 0% payment plans at participating stores across Australia and no interest for 6 months on purchases of $250 or more, with an $9.95 monthly account fee.
Pros
-
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
Cons
-
A 26.99% p.a. purchase rate kicks in after the 6-month period
-
Expired promotional purchase rate of 26.99% p.a. is high
-
No rewards program and travel insurance
Details
Product details
Product Name | Latitude Gem Visa |
Purchase rate p.a. | 26.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 26.99% |
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 | $119.40 |
Minimum monthly repayment | 3% of the closing balance or $25, whichever is greater |
Late payment fee | $35 |
Foreign currency conversion fee | 3% |
Cash advance fee | 3% or $3, whichever is greater |
Overseas cash advance fee | 3% |
Your reviews

Amy Finder
Editor
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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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Jan
September 10, 2023
For service fee, it is stated that the service fee is only applicable when your outstanding balance is $10 or more.
If I make a purchase of $5000 under 50 months interest free plan and I repay the monthly instalment of $100 per month promptly before the due date, would I be charged of service fee every month?
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Amy Bradney-George Finder
September 12, 2023
Hi Jan,
Based on the details in the Key Facts Sheet, the monthly service fee would apply in that situation until the total outstanding balance for the account was less than $10. If you have a specific purchase in mind, you could check the offer terms and conditions or contact Latitude Gem on 1300 630 977 to discuss details of potential costs and payments. I hope this helps.
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Cheru
July 27, 2023
Do we need to pay account fees monthly when i paid full?

Amy Bradney-George Finder
July 31, 2023
Hi Cheru,
The monthly account fee is waived if your outstanding balance is less than $10. If you have further questions, you can contact Latitude on 1300 552 079. I hope this helps.

Ema
June 09, 2023
Hi. I was wondering. I cashed out $1000 from my latitude gem visa. How much will i have to pay back? I got a bit confused. My realisation is 3% per day which is capped at $30 until i pay back the full amount. Is that correct? So if i pay back the $1000 in 30 days, that means $30 per times 30 days equals to $900 plus the $1000? So $1900 all up? Also what is the credit limit cashout per day? Because it wouldn’t let me cashout any more money greater than $1000
Thanks
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Amy Bradney-George Finder
June 20, 2023
Hi Ema,
Withdrawing cash from this card attracts a 3% cash advance fee, which is charged at the time of the transaction. For a $1,000 withdrawal, this would be worth $30. There are also interest charges for cash advance transactions, which means the card’s 25.9% p.a. cash advance interest rate will apply until the balance is repaid. The amount of interest depends on how long it takes to repay the cash advance – you can use Finder’s credit card repayment calculator to estimate the charges and plan repayments.
You can view details of your cash limit in the Account Summary section of your account when you log in online. For further details on cash withdrawal limits, contact Latitude on 1300 552 079. I hope this helps.
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Rehab
May 14, 2023
Can i use it any online store like kenwood even they didn’t offer latitude gem visa

Amy Bradney-George Finder
May 15, 2023
Hi Rehab,
Yes you can pay with the Latitude Gem at any store that accepts Visa credit card payments, including online. But the long-term, interest-free payment plans offered by this card are only available at participating stores, which are listed on the Latitude Gem website. I hope that helps.
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Shaz
November 30, 2023
Can Lattitude Gem be use online and in store for Woolworths or Cole’s