Latitude Gem Visa Card

Gem Visa is a credit card product provided by Latitude Financial Services. Latitude Financial Services is also a provider of other credit cards, personal loans and car loans, personal insurance, and interest-free and promotional retail finance.

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If you’re considering a Latitude Financial card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

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Product Features: What Gem Visa offers


  • Card type: Visa
  • Contactless payments: Visa payWave chip technology allows you to use this card for payments of less than $100.
  • Online: Card can be managed through online banking.
  • Security: Card protected by fraud protection, Verified by Visa for online purchases, and money back guarantee on fraudulent transactions.
  • Interest-free 0% plans: 0% Interest-Free Payment Plans are available, with flexible repayment options.

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CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information. 

Latitude Gem Visa FAQs

To apply for Gem Visa, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent resident of Australia.

For more information about eligibility requirements, refer to the Latitude website.

First, check whether you are eligible to apply for a Gem Visa. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online – it takes less than 10 minutes, according to Latitude Financial Services. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

You can expect to receive a response in less than 60 seconds (Latitude Financial Services). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 1300 764 454.

Your official card will take approximately 5-10 working days to arrive after your card is approved (Latitude Financial Services). You will have to activate the card when it arrives before you are able to use that card. Activate the card by calling Customer Solutions on 1300 630 977.

You can manage your Gem Visa credit card through online banking using the Gem Visa Online Service Centre. The online banking website can be viewed on mobile device, tablet device, or PC. Use online banking to do things like view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged when you carry a balance on your Gem Visa. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to Gem Visa purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Interest is not charged on the 0% Interest-Free Payment Plans available on the Gem Visa until the interest-free period expires. Terms and conditions apply.

Your credit limit for a Gem Visa will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

You can close your Gem Visa account at any time by contacting Latitude Financial Services:

  • Customer Solutions: Phone 1300 630 977 (within Australia) or +61 1300 630 977 (from overseas) (open Monday-Friday)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Hardship team on 1800 220 718 (open Mon-Fri). They can assist you in making repayments.

If you are closing your Gem Visa because you’re not satisfied with it, consider your other options when it comes to credit cards:

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Gem Visa is a credit card product provided by Latitude Financial Services, a financial institution in Australia and New Zealand that also offers other credit cards, personal loans and car loans, personal insurance, and interest-free and promotional retail finance.

Latitude Financial Services has more than 2.5 million customers and employs more than 2,200 employees.

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Written by: TJ Ryan | Last updated: