The Latitude Gem Visa credit card is a dream for any shopper or those who want easy access to money. There are excellent interest-free offers that are definitely unmatched by any other option available on the market. 

When used with responsibility, Latitude Gem Visa credit card can help the cardholder save considerable amounts of money. As an everyday card, it is compatible with all sellers that accept Visa payments. 

Here’s everything you need to know about the Latitude Gem Visa credit card. Let’s see how to sign up!

Latitude Gem Visa Credit Card - Learn How to Sign Up

Fees and Interest

One of the best highlights of this credit card is the different options for interest-free financing. Firstly, it offers a 0% interest rate for the first 6 months on any purchase, as long as it is more than $25. In addition, there is 0% interest on long-term free payment plans and up to 55 days of interest-free purchases

After the initial period of 0%, the credit card charges a 24.99% interest rate per annum for outstanding spending. 

The card has an annual fee of $99, and a rate of 24.99%, both for cash advances and any expired long-term interest-free payment plans you may have. In addition to this, there is a cash advance fee of $3 or 3%, whichever is higher, but a maximum of $30 per transaction. 

International transactions attract a 3% fee, both cash advances, and purchases. If you use payment services, such as BPAY or Australia Post, you need to pay $0.95 or $2.50, respectively. The late payment fee is $30.

There is a minimum credit limit of $1,000. Also, the minimum repayment amount per month is 3%. 

How to Apply

You can apply online for a Latitude Gem Visa credit card by accessing the Latitude Gem website. This is one of the few card providers that also issue them to temporary residents as long as you have a visa, which is available for a minimum of 12 months. 

In terms of credit history, you should have a clean credit file and a good score. For instance, you shouldn’t have any bankruptcy listings. All applicants must be at least 18 years old

In order to apply, you must provide both your information and evidence. Firstly, if you are a temporary Australian resident, you must ensure that your visa is available for at least another 12 months

For permanent residents, you need to provide your ID, such as a passport or driver’s license. 

The name, address, contact number, and email are also required. Next, you will be asked to share your employment details, such as your current position and length of employment. You might even be required to upload your recent payslips. 

Latitude also needs access to your financial details. In order to apply, you should provide in-depth information about all of your income, expenses, assets, loans, debts, and anything else related to your financial situation. 

You are further expected to provide estimates about your future expenses too, such as rent, groceries, and bills, among others. 

Bank Contact Details

Latitude’s customer service team can be contacted via phone: 1300 553 079 domestically. 

International phone calls should be directed to +61 287 478 178. Their team is available from Monday to Friday, from 8:30 AM to 6 PM (AEST). 

Their address is PO Box 1007, Melbourne VIC 3001. 

Features and Benefits

One of the best features of the Latitude Gem visa credit card is the ability to apply for an interest-free payment plan. The options vary, but there are three main types available. 

Interest-free plans offer you periods of a minimum of 6 months of interest-free purchases, but you still need to make minimum monthly repayments. 

The next type is an installment interest-free plan, available at selected retailers during special offers only. This allows you to repay your purchases without incurring any interest at all, but you need to make the repayments over a fixed period. 

Finally, the “buy now, pay later” plan will help you buy items you want without having to make payment upfront. Instead, you can make the payment at a later date, without any interest, if you complete the payment before the plan’s deadline. 

Latitude Gem Visa Credit Card - Learn How to Sign Up


All in all, the Latitude Gem Visa credit card is an excellent option for any shopper. It comes with some of the best offers in terms of interest-free purchases. 

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.