??!

Pros

  • 6 Months Interest Free on purchases over $250 with participating retailers

  • Three 0% Interest Payment Plans to choose from

Cons

  • $99 Annual Fee

  • 3% International Transaction Fee

  • Payment Handling Fees ($0.95 online, $2.50 in person)

  • High 24.99% p.a. Purchase Rate

Reviews

(303)
(93)
(40)
(30)
(206)
  • Transparency
    3.8 (339)
  • Customer Service
    3.8 (347)
  • Rates and Fees
    3.5 (340)
  • Rewards
    2.8 (127)
  • Online Experience
    3.8 (329)
  • Card / Account Used For
    • Special Purchases (291)
    • Online Shopping (70)
    • Everyday Expenses (55)
    • Overseas/Travel (36)
  • Application Process
    4.1 (315)


Go to a bank

published

6 months interest free is fine, but the annual fee is a total scam and feels as such. A fee should occur upfront or if considered 'annual' should occur AFTER a year if the balance hasnt been paid back. SCAM.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2019
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
See all answers

Pranav

PranavSydney, NSW

Good product

published

Free 6 months intrest free is good. I hope I could have get some offer like first year free. Their service is great and support available events after business hours.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Special Purchases
See all answers
Sarah

SarahPerth

  • 2 reviews

Avoid at all costs

published

The interest free for six months is great, but don't let this card fool you. If you reduce your credit limit, you can't increase for 12 months . You can't balance transfer, there is a $100 annual fee, and the international fees are insane. You are better off going with a bank or other institution where the T&Cs are upfront and you are in control of your own limit. They also give incorrect advice through the customer service portal. 5 years with this card and received no help from customer service.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
See all answers

Good and quick approval

published

Good experience and easy purchase . Quick approval of the application. My experience was geat and helped me to purchase what I need.I recomend this .
Easy and quick, my first credit card

Transparency
Rates and Fees
Rewards
Application Process
Card Start DateFebruary 2020
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers

Lesley Robson

Lesley RobsonCentral Highlands and Goldfields, VIC

  • 4 reviews

Promised to get back to me that day, I had to call the next day

published

Not used overseas, only in Australia, but great to know I could use it overseas if I had to. I will try to remember that should I go overseas. Thanks

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers

Michelle K

Michelle KGreater Melbourne (Outer), VIC

Love love love...

published

The ease of use and amazing amount of retail outlets that provide interest free options is awesome and convenient - good job!!! It certainly assisted me in helping my daughter furnish her apartment that she recently bought. It means that I was not put under financial stress to cash flow her from my pocket, thus draining my own resources.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers

fast and easy

published

The card was easy to apply for and quick approval
When i called customer service to ask a few questions the staff were lovely and answered
My only issue was the more then doubled my card limit that I requested which was disappointing

Application Process
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases

Andrijana Kelevra

Andrijana KelevraSouth East Queensland, QLD

Thanks Amart; love my furniture.

published

Got furniture from Amart & got Gem Visa as the credit card company, my husband has used this company before & never had any issues. Keeping it for sure after the repayments are made as we both love the company, they answer quick &, although we just received it, we plan to use it again once some repayments go down.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers
Camilla

CamillaGreater Melbourne (Outer), VIC

Excellent

published

Team member was bubbly and engaging .. Helped with my queries no hassles .The only thing I had troubles with, was my birthday was entered incorrectly when I applied for my card, which caused that I couldn’t activate my card . However the gentleman on the chat was very helpful as well .Haven’t used my card over seas .

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2020
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers
Stacey

StaceyPerth, WA

Fast and Easy

published

The application process was easy and fast. You then can use your account number for purchases immediately even before your card actually arrives. Makes shopping and life much easier. Not to mention the interest free period on purchase. Winning

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactOnline
Card / Account Used For
  • Special Purchases
See all answers

Toni

ToniGreater Melbourne (Metropolitan), VIC

Important info

published

When I originally signed up there was no mention by staff that they is a $99 annual fee every year whilst you are under contract.
I do feel this needed to be mentioned regardless whether I chose to purchase items at the point of sale. This was not the case!
Whilst this had occurred I do feel the staff did their upmost to meet my needs and their customer service are great.
I do hope in future they do mention this as I think it is vital information that needs to be considered irrespective of anyone’s circumstance

Transparency
Customer Service
Rates and Fees
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers

this was a good experience

published

i did not use the card overseas. it is my first time to use this card. i will use the card overseas whenever i travel next time. and hope i will not find any trouble with it.


LJ KJ

LJ KJPerth, WA

  • 2 reviews
  • Verified customer

Best finance around!

published

I have previously purchased a $5000 imac fully customied with latitude. Repayments were really affordable with interest free! Paid it off way before end date.

This time, i bought a fully installed split system aircon including install. Was really easy to organise finance in store at 8.30pm on a thursday night and got approval there and then.

Its been about 3 months and again paid if off way earlier then required.

No early payout fees makes this really attractive and will keep my card active for future purchases!

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2019
Main Point of ContactOnline
Card / Account Used For
  • Special Purchases
See all answers

Aman B.

Aman B.South East Queensland, QLD

Great service, easy process!

published

It give great opportunity to catch up with your needs as well as convenient repayment options, everything about it is perfect, nowhere else would be such an easy application and reasonable cost

Transparency
Customer Service
Rates and Fees
Application Process
Card Start DateJanuary 2020
Card / Account Used For
  • Special Purchases
See all answers

GREAT

published

I haven't used my card except to purchase a mattress. The transaction was easy. I have nothing else to say- haven't experienced anything else yet. thanks very much. thank you

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Card / Account Used For
  • Special Purchases
See all answers
Marilena S.

Marilena S.Greater Melbourne (Metropolitan), VIC

Lap Top Purchase

published

Found the laptop, Needed to purchase but not make a payment in one lumpsum. Was offered this process, had no hassles in the application. It was a fast, easy process and very helpful customer service.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactPhone
Card / Account Used For
  • Special Purchases
See all answers

Matt R.

Matt R.Greater Melbourne (Metropolitan), VIC

  • 2 reviews

Motorbike helmet

published

Needed a new motorcycle helmet rather urgently. Found one that fit, and bought it. It was that easy. No hassles at all. Just gotta keep regular repayments up and I won't have any dramas.

Transparency
Customer Service
Online Experience
Card Start DateJune 2019
Main Point of ContactOnline
Card / Account Used For
  • Special Purchases
See all answers

feras

ferasSydney, NSW

  • 2 reviews

Bad experience

published

I been more two year make payment but every months find extra charge. Interest up to 29% if you using you card for any thing nothing on deal. I think it's worse company for interest free in Australia.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateAugust 2018
Main Point of ContactBranch
See all answers

Barry F.

Barry F.South East Queensland, QLD

Not sure, i have not used it yet..

published

All.good. very happy with everything and most appropriated.
Easy and comfortable purchase. The team was very helpfull and made the transaction go very smooth.
55 months interest free just awesome.
Thank you.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
See all answers

Shaun

ShaunSouth East Queensland, QLD

New tv

published

So easy, no drama purchase and got 12 mnths interest free . Dont know why i waited so long before !!!. I ll be definitely using my card more now, that i know how hassle free it is .

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Special Purchases
See all answers

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Questions & Answers

Eric

Ericasked

I am unable to fit the gem visa number into my banks setup account space. Gems number is 1 digit too long. It's the weekend and there are no humans to talk to! Any help available left?

No answers

Noel W.

Noel W.asked

What is the difference between GEM Visa and GEM Essential

No answers

Carol

Carolasked

I have lost my gem visa card, can I use my account number for a purchase?

No answers

Get an answer from our members and Latitude Financial representatives

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