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Also available on other participating Latitude credit cards. For eligible purchases above a minimum financed amount. Approved customers only.

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Eligible credit cards

You can use your existing Latitude Gem Visa or Latitude GO Mastercard. Or apply now for a new Latitude Gem Visa credit card.

Monthly credit card fee (currently $11.95) will apply. After the Interest Free plan ends interest will be charged on any outstanding balance at the expired plan rate, currently 29.99% p.a. (subject to change). If you miss a payment, late fees will apply. Interest may apply, interest may also be charged on other purchases and transactions made on your Latitude credit card.

Minimum Monthly Payment Plans: Paying only the minimum monthly payments may not pay out the plan within the plan period. Interest applies on any outstanding balance at the end of the plan.

For the current credit card fees, interest rates and full General Terms & Conditions, please visit www.latitudefinancial.com.au/credit-cards/gem-visa/ (for Latitude Gem Visa) or https://www.latitudefinancial.com.au/credit-cards/ (for Latitude GO Mastercard).

Credit 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.

New applicants

Apply now for a Latitude Gem Visa credit card

  • Apply online in 10 minutes

  • Once approved, simply activate your card online using the Latitude app

  • In-store purchases: Head in-store and provide us with your photo ID and account number

  • Online purchases: Checkout using your Latitude Gem Visa account number and have your mobile phone on hand for verification

  • Monthly credit card fee applies, currently $11.95 (subject to change). Other fees and charges apply

Existing Latitude credit card holders

Use your existing card for Interest Free purchases:

- For online purchases choose Latitude Interest Free as your payment method during checkout and simply enter your card or account number

- Or visit your nearest store and present your card at checkout

- Fees and charges may apply (please refer to your cards terms and conditions).

Available payment plans

Interest Free payment plans available on participating Latitude credit cards explained:

Minimum monthly payment plan

Minimum Monthly Plans give you access to Interest Free for the plan term, provided you pay your credit card minimum payment each month.

  • No additional payments are required during the plan term; however, paying the minimum may not clear the plan.

  • Extra payments can be made at any time.

  • Interest applies after the end of the plan on any outstanding balance.

Equal monthly payment plan

Equal Monthly Plans allow you to buy what you need now and make a payment of the same amount each month, for the period of the plan.

  • The total amount of the plan is payable by the agreed number of equal monthly payments.

  • Payments on your credit card will be first allocated to pay the scheduled payments on your plan, regardless of whether you also have any other balances owing on your account

  • Extra payments can be made at any time.

  • If you miss two consecutive monthly payments on a plan that is fewer than 37 months, you agree that your plan will change to a minimum monthly plan for the remaining duration of the initial plan term.