Latitude Financial Services
Latitude Financial Services

Latitude Gem Visa

Purchase Rate
21.45% p.a.
Cash Advance Rate
24.99% p.a.
Interest Free
Up to 55 days
Annual Fee
  • That’s every time you pay a bill, buy a gift, update your wardrobe, eat out or shop for groceries – it’s that simple
  • Even longer interest free terms whether that is a 12, 24 or up to 60 month interest free plan, let’s tailor a plan that works for you.
  • Up to 55 days interest free is available on purchases under $250 Plus, up to 55 days interest free may be available on your other Gem Visa purchases
  • Gem Visa PayWave gives you an exciting new way to use your card that is quick, easy and secure.
  • Shop with confidence with Gem Visa's Fraud Security, protecting you whenever you use your Gem Visa.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $99.00
Annual Fee First Year $99.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Other Charges

Duplicate Statement Fee $0.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $3.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
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. ^Extended Interest Free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply. 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. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. 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

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.