Latitude Gem Visa Credit Card
4.0
Highlights
- Earn up to $200 cashback when you spend at least $1,000 on eligible purchases every month for the first 3 months after card approval. Terms and Conditions apply.
- Get 0% interest for 6 months on purchases of $250 or more, ideal for spreading out larger expenses.
- Use the interest-free payment options at numerous stores like Harvey Norman, Domayne, Joyce Mayne, and more.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
9
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
29.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
27.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$131.40
Dishonour Fee
N/A
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$45.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. You can add up to 9 additional cardholders at no extra cost. Note that the primary account holder will be responsible for managing the account.
- Digital wallets. Compatible with major digital wallets, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
- Gambling transactions. Gambling transactions are not allowed on this card.
Rewards and benefits
- Complimentary travel insurance. This card does not come with complimentary international travel insurance coverage.
- Concierge services. The Latitude Gem Visa does not give cardholders access to a concierge service.
- Insurances. Cardholders get fraud protection but do not offer other insurance protection.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. Latitude Financial Services does not offer any sign-up bonus for this card.
Rates and fees
- Annual fee. Instead of calling it an annual fee, Latitude Gem Visa charges $10.95 as a monthly account service fee, which adds up to $131.40 annually.
- Balance transfers. There is no introductory balance transfer on offer.
- Cash advances. Cash advances made with the Latitude Gem Visa will be subject to an interest rate of 29.99% p.a., with interest accruing from the day of the cash advance. As well as interest, Latitude Financial Services will charge a one-off cash advance fee as well as interest.
- Foreign exchange fee. A 3% fee will be charged for all purchases made in a foreign currency, whether shopping while overseas or ordering from an overseas online store.
- Interest-free period. With the Latitude Gem Visa, you can get up to 55 days interest-free on purchases if you pay your balance in full by the due date or make the minimum required repayment. Cash advances are excluded.
- Purchases. Purchases over $250 made with the Latitude Gem Visa qualify for 0% interest for 6 months. Additionally, you can save on interest with their Interest-Free Payment Plans. However, once these plans expire, the regular purchase interest rate of 27.99% p.a. will apply.
Reviewed by Credit Card Compare Staff
History
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Rates and fees
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