Thumbnail icon for Latitude

Latitude Gem Visa

Purchase rate
24.99% p.a.
Balance transfer rate
No current offer
Annual fees
$99
Interest free days on purchases
55

Mozo editorial review Latitude Gem Visa

Last updated: 6 July 2020.

binocular icon
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, a low annual fee of $99 and up to 55 interest-free days. Just bear in mind, there is a hefty 24.99% purchase rate and cash advance rate. 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: 

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

  • Buy Now, Pay Later: 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). 

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

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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.

Details

Rates and fees information correct as at 17 July 2020 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.
Rates
  • 24.99% p.a.

  • none

  • No current offer

  • none

  • 24.99% p.a.

  • 55

Fees
  • $99.00

  • none

  • none

  • none

  • $30.00

  • 3%, Min $3, Max $30

  • 3.00%

  • $2.50

  • $0.00

  • $0.00

Features
  • $25.00

  • 3.0

  • 9

  • none

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.

Customer Reviews

How are Latitude credit cards rated by the Mozo community?

Overall customer rating
4.7/10
Price
3.8/10
Features
4.5/10
Customer service
5.0/10
Convenience
5.1/10
Trust
4.7/10

Latest reviews of Latitude Gem Visa

  • Overall 10/10
    Latitude Gem Visa is an AfterPay killer!

    Let's discuss the Pro's. After all, isn't that why you came here to begin with? What can't you love about a credit card that gives you 55 day interest free on all purchases... PLUS... 6 months interest free on purchases over $250. You read that right, buy something for more than $250 and you get 6 whole months to pay it back! If you thought about ZipPay and AfterPay... well, it's time to kick those bad boys down the road. This kid on the block has out done all their offers, ten fold! I wish there was more positive things to say. But nothing can dwarf the 6 month interest free period. It's pretty killer! Alright, about the cons. Do you like fees? Nah, me neither! But this card has a $99 per annum fee attached to him. That means you get whopped with a $99 fee just for being a member. I know it sounds harsh. It almost made us break up recently. But shhh. Don't tell her I told you that. Can you handle a bit of heat and the $99 doesn't bother you? Well, it looks like you guys may be a good match!

    Read full review

    Let's discuss the Pro's. After all, isn't that why you came here to begin with? What can't you love about a credit card that gives you 55 day interest free on all purchases... PLUS... 6 months interest free on purchases over $250. You read that right, buy something for more than $250 and you get 6 whole months to pay it back! If you thought about ZipPay and AfterPay... well, it's time to kick those bad boys down the road. This kid on the block has out done all their offers, ten fold! I wish there was more positive things to say. But nothing can dwarf the 6 month interest free period. It's pretty killer! Alright, about the cons. Do you like fees? Nah, me neither! But this card has a $99 per annum fee attached to him. That means you get whopped with a $99 fee just for being a member. I know it sounds harsh. It almost made us break up recently. But shhh. Don't tell her I told you that. Can you handle a bit of heat and the $99 doesn't bother you? Well, it looks like you guys may be a good match!

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jonathan, Victoria reviewed 24 days ago
  • Overall 1/10
    They love money and love to take it!

    Easy to use but no warning about fees. My goodness they have fees for everything. Money grabbing company. Wouldn't recommend at all.

    Read full review

    Easy to use but no warning about fees. My goodness they have fees for everything. Money grabbing company. Wouldn't recommend at all.

    Price
    1/10
    Features
    5/10
    Customer service
    1/10
    Convenience
    -1/10
    Trust
    1/10
    Less
    Lerie, New South Wales reviewed 4 months ago
  • Overall 7/10
    Good customer service and easy to use website.

    Easy to use product. However, late fees on 50 day interest free purchases can be a surprise if you have not kept track of what you are spending.

    Read full review

    Easy to use product. However, late fees on 50 day interest free purchases can be a surprise if you have not kept track of what you are spending.

    Price
    8/10
    Features
    4/10
    Customer service
    6/10
    Convenience
    6/10
    Trust
    7/10
    Less
    Kate, Queensland reviewed 5 months ago
  • Overall 8/10
    Great overall.

    Interest rates aren't the best however the "interest free" periods they offer for certain purchases make it very worth while if you know you can pay it off within the required time.

    Read full review

    Interest rates aren't the best however the "interest free" periods they offer for certain purchases make it very worth while if you know you can pay it off within the required time.

    Price
    5/10
    Features
    9/10
    Customer service
    7/10
    Convenience
    0/10
    Trust
    8/10
    Less
    Kirsty, Western Australia reviewed 9 months ago
  • Overall 8/10
    Great Card.

    I love the interest free for 6 months for purchases over $250. High interest rate though when comparing with other providers.

    Read full review

    I love the interest free for 6 months for purchases over $250. High interest rate though when comparing with other providers.

    Price
    2/10
    Features
    8/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    Fleur, Victoria reviewed 9 months ago
Latitude

About Latitude

Latitude positions itself as an alternative to the "Big 4" banks in Australia and offer banking products and services with a focus on convenience and customer service. Latitude provides personal insurance and loans, financing options and credit cards.

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