The Latitude Gem Visa credit card offers a permanent no-interest shopping deal. That’s right! It’s not just a limited-time promotional campaign.
Thanks to the 0% rate on interest-free payment plans, as well as 0% for 6 months on everyday purchases of $250 or more, it’s clear that this card is essential for both high-value and everyday spending.
Plus, the exclusive offers frequently available to Latitude Gem Visa users are even more reasons to consider applying!
This review will take you through the key advantages of the Latitude Gem Visa credit card so you can decide if it suits your financial needs and lifestyle.
What to Expect from the Latitude Gem Visa Credit Card
- Up to 55 days interest-free: As long as the balance is paid off in full by the due date.
- Interest-free payment plans at partner stores: Need to upgrade your home appliances or make any big purchase? Take advantage of interest-free plans ranging from 6 to 60 months at thousands of stores.
- Access to exclusive deals: Latitude Gem Visa users regularly receive exclusive offers and promotions at partner stores, giving you even more benefits.
- Instant cardless payments: The Latitude Gem Visa works with Google Pay and Apple Pay, so you can make quick and secure contactless payments without needing the physical card.
- Big travel discounts: Enjoy partner deals with Booking.com, Expedia, and Wotif, with special prices on accommodation for cardholders.
How the Special Installment Plans Work
First, check out the partner store catalogue through the app to explore current promotions.
Once you’ve picked what you need, you can split the cost into several monthly payments with no interest, as long as the debt is paid off within the agreed period.
Each retailer offers different options, including terms of 6, 12, 24, or even up to 60 months in some cases.
This flexible payment method is ideal as long as you make the minimum monthly payments and pay off the total amount within the interest-free period.
Otherwise, interest will be charged on any remaining balance after the term ends.
This is a great way to manage big purchases without worrying about the high interest costs that often come with credit installments.
Plus, if you want to pay off the balance early, you can do so anytime without restrictions or penalties.
How the Latitude Gem Visa Can Help You Save on Accommodation
Travelling is great, and it’s even better when you can do it for less, right?
Use your Latitude Gem Visa to score 10% off accommodation platforms!
- 10% off on Wotif: Get 10% off selected hotels every day of the year.
- 10% off on Expedia: The platform also offers discounts on highly rated hotels, available any day, anytime.
- 10% off on Booking.com: Find selected accommodations from 17 September 2024 to 16 December 2024. Keep in mind that this offer has a limit of $300 per booking.
⚠️ Remember to check the terms and validity of these offers when booking, as they may be extended, withdrawn, or modified at any time.
Fees
- Monthly account service fee: $10.95
- 0% for 6 months on everyday purchases of $250 or more
- 0% on interest-free payment plans
- Standard purchase interest rate: 22.74% p.a.
- Expired interest-free plan rate: 29.99% p.a.
- Cash advance rate: 29.99% p.a.
- International transaction fee: 3% on all purchases and cash advances
- Late payment fee: If you miss a payment, there’s a $45 fee, plus interest on the outstanding balance, so be sure to pay on time.
Final Expert Note: Is This Card Worth It?
This card is definitely designed for frequent shoppers who want to keep their budget balanced while making purchases.
While it’s not free of a monthly service fee (currently $10.95/month), it’s lower or comparable to most credit cards with similar fees.
Additionally, it offers the added benefit of partnerships with major accommodation platforms—a real bonus for those who love to travel!
If these features meet your needs, the Latitude Gem Visa is worth considering.
To make things easier, we’ve prepared a detailed guide on how to apply for this card quickly and easily!