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Gem Visa card®Apply Now

Shop today with more time to pay

Enjoy 6 months Interest Free on everyday purchases of $250 or more with your Latitude Gem Visa credit card.
Apply now
Shop today with more time to pay
★Limited time offer

Don’t miss out on your $200 credit back

When you spend $1,000 or more on everyday purchases each month in the first 3 months of approval2. T&Cs, monthly credit card fee and other charges apply. Excludes long-term Interest Free payment plans. New customers only, must be approved by 28 Feb 2025.
Apply Now

Key advantages of Latitude Gem Visa

Interest Free payment plans at thousands of stores.

Interest Free payment plans at thousands of stores.

Plans from 6–60 months. Perfect for bigger purchases.

Find out more
Instant 6 months Interest Free on purchases $250 and over.

Instant 6 months Interest Free on purchases $250 and over.

Anywhere, anytime with your Latitude Gem Visa.

Icon-Raised-Fist
Pay off early. No worries.

Want to pay off your Interest Free plan early? Go for it, there are no penalties.

The perfect card, everyday.

The Latitude Gem Visa offers up to 55 days interest free1 on everyday purchases, so it's the perfect go-to card for your everyday spending too.

Ready, set, tap.

With our instant cardless payment feature, you can start shopping from your phone in minutes.

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Managing your account made easy.

The Latitude App makes it easier than ever to track spending and manage repayments.

Expedia and Wotif Offers

Expedia and Wotif hotel discounts ready for check-in.

Book with your Latitude Gem Visa credit card before 30 September 2024 to enjoy 10% discount on selected hotels at Expedia and Wotif when you stay before 31 December 20242.

Rates & Fees

0%

for 6 months on everyday purchases $250 and over

0%

on Interest Free Payment Plans

0%

up to 55 days interest free1 on everyday purchases

27.99

%
p.a.
interest rate on everyday purchases

$10.95

monthly account service fee (subject to change)

Let's do this.

  1. Apply online
    You can check your eligibility and apply in 10 minutes.
  2. Wait a minute
    60 seconds is all it takes for us to respond to your application.
  3. Ready, set, shop
    Set up your card in your digital wallet and start shopping today!

Eligibility

You must be:
  • Over 18 years of age
  • A resident of Australia or a temporary resident who legally has the right to work in Australia (and intend to stay) for at least the next 12 months.
Able to supply:
  • Your driver's licence, passport or Medicare card
  • Details of your income, living expenses & debts

Latest Interest Free offers

With hundreds of retail partners, there’s something for everyone.

Explore offersView retailers

Use Visa. Get rewarded.

As a Latitude Gem Visa credit cardholder, you get exclusive discounts, offers and deals just for using your card.

View Visa offersIn partnership with Visa

Payment Options

  • Latitude App
  • Latitude Service Centre
  • BPAY
  • Direct Debit

Latitude App

Make repayments in just a few taps with our mobile app.

app storeplay store
  • Get the app

    Simply download the Latitude App from the App Store or Google Play

  • Create a Latitude ID

    Open the app and create your Latitude ID (this is different to your Online Service Centre login).

  • Link your card

    Once your credit cards are linked, you’ll be able to make payments via bank transfer with your BSB and Account Number (Australia only).

Note: Please be aware that bank transfer payments can take three business days to clear and you can only make one payment to your card account every five days.

No Fees

We do not charge a fee for payments made via direct bank transfer on the Latitude App.

Latitude Service Centre

One of the quickest & easiest way to make repayments.

LoginRegister
To make a payment
  • Login to the Latitude Service Centre
  • Click ‘Pay My Account’

    Then enter your bank details.

Registering

Registering is easy and only takes a few minutes, just make sure you have your card or 16-digit account number on hand.

Note: Please be aware that payments can take 3 to 5 business days to clear.

No Fees

We do not charge a fee for payments made via the Latitude Service Centre.

BPAY®

Available 24 hours a day, seven days a week.

To make a payment
  • Quote the Biller code

    Latitude Gem Visa Biller Code (154799)

  • Your account number
  • The amount you wish to pay

Note: If you’re paying by BPAY on your due date, you must complete the transaction before your bank’s cut off time, otherwise the transaction may be processed on the following day. Some BPAY payments can take up to three days to appear on your account.

Fees

A payment handling fee of $1.95 applies for all payments made via BPAY® to pay your account.

Direct Debit

Easily make recurring repayments.

The easiest (and quickest) way to pay off your credit card is with a monthly direct debit.


You can choose whether to pay a set amount, the monthly minimum or the full closing balance, and on your due date each month your payment will automatically happen!


Click here to find out more about setting up a direct debit.

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

Apple PayGoogle PaySamsung PayGarmin Pay

We're here to help

For FAQs, useful information and quick and easy forms

Visit our Help Centre

Important information

Visa and the Visa brand are registered trademarks of Visa International.

1To take advantage of up to 55 days interest free on everyday credit card purchases, you need to pay the full closing balance (excluding un-expiring 0% Interest Payment Plans) on each statement of account by the applicable due date.

2Excludes long-term Interest Free payment plans. Other exclusions, T&Cs, card fee & other charges apply. Limited to new and approved Latitude Gem Visa applicants only. Limited to one offer per applicant. To qualify for $200 credit back, you must be approved and fulfil on the terms of the offer by spending $1,000 or more each month on everyday purchases for 3 consecutive months from the date of approval. The $200 credit will be applied within 60 days of meeting the spend criteria. Offer ends 15 Dec 2024. Latitude may vary, extend or withdraw this offer at any time without notice. Everyday purchases do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Long term Interest Free plan(s), interest and balance transfers into an account. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. The account must be open and not in default of the credit contract when the credit is applied.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.

® Registered to BPAY Pty Ltd ABN 69 079 137 518