Purchase rate
19.95% p.a.
Balance transfer rate
No current offer
Annual fees
$107 $8.95 monthly fee waived if outstanding balance less than $10
Interest free days on purchases

Mozo editorial review Latitude Gem Visa - last updated: 21 July 2021

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What's hot
  • 0% interest for 6 months (purchases over $250)
  • 0% interest payment plans at selected retailers
  • Up to 55 interest free days
What's not
  • 24.99% interest rate
Mozo snapshot

If you’re questioning whether to move towards credit cards or buy now pay later, the Latitude Gem Visa credit card may be the choice for you. The card comes with an introductory offer of 0% for the first 6 months (on purchases over $250), up to 55 interest free days and a low $99 annual fee. Plus, cardholders also have the option of three different interest-free repayment plans when they shop at selected retailers.

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Key features

With the Latitude Gem Visa card, you can enjoy the convenience of an everyday credit card while also taking advantage of interest-free buy now pay later options. 

This card comes with a 6-month interest-free introductory offer on purchases over $250, no annual fee and up to 55 interest-free days. Just bear in mind, there is a 19.95% purchase rate, 24.99% cash advance rate and $8.95 monthly fee (for balances of $10 or more). And if you do decide to withdraw cash from an ATM using this card, you’ll also be slapped with a 3% cash advance fee (maximum $30 per transaction). 

Want more 0% interest options? Say hello to Latitude’s buy now pay later plans. These range up to 60 months and are available when you spend at any of Latitude’s partner retailers, including JB Hi-Fi, Apple and Laser Clinics Australia. 

Here’s a breakdown of what’s on offer: 

  • Minimum Monthly Payments: Customers make a minimum payment each month with the option of extra repayments. (Plans start from 6 months).

  • Flexible Payments: Customers choose when they want to pay - in a lump sum at the end of the plan period or make payments throughout. (Plans start from 3 months). 

  • Equal Monthly Payments: Customers pay equal monthly instalments and can’t make additional contributions. (Plans vary and are only available during specific promotional periods).  

Who is it good for

This card is a great option for someone looking to use both a credit card and buy now pay later service all in the one place. Plus, for those that are all about digital wallets there are plenty of options available: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

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Any catches

It’s important to note that while you can use the Latitude Gem Visa credit card overseas, there is a 3.00% foreign exchange fee. 

And make sure not to miss any minimum repayments on this card because you’ll be slapped with a large $30 late payment fee every time you do. So, it may be worth setting up recurring repayments via direct debit if you need to. 


Rates and fees information correct as at 26 January 2022 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

19.95% p.a.


No current offer


24.99% p.a.








3%, Min $3, Max $30









$8.95 account servicing fee is charged monthly, shown as $107.4 annual fee.

Payment options

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Other benefits

0% Interest Payment Plans available at selected retailers and 0% interest for 6 months on everydays purchases over $250.

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About Latitude