Latitude Financial Services
Latitude Financial Services

Latitude Gem Visa

Purchase Rate
24.99% p.a.
Cash Advance Rate
24.99% p.a.
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Interest Free
Up to 55 days
Annual Fee
  • Automatically receive 6 months interest free on any purchases over $250 - anywhere, anytime, no catches.
  • 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 of 12, 18 and 24 months are often available at over 9,000 stores Australia wide.
  • 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
1. Interest applies if you do not comply with the terms and conditions. 2. To take advantage of up to 55 days Interest Free on everyday credit card purchases, you must pay the full balance of the account (excluding unexpired Interest Free promotional plans) both for the statement before the purchases were made, and for the statement on which the purchases are listed.

* 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.