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Available Interest Free payment plans*
Interest Free (Minimum Monthly) with Terms (3, 6, 12, 18, 24 & 36 months)
*Minimum spend applies. Monthly payments required. T&Cs, fees & charges apply. Available on participating Latitude credit cards.
Approved customers only. Monthly account service fee $10.95 (subject to change) applies. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged currently at 29.99% p.a. (subject to change). Minimum spends apply to different payment plans: minimum spend $150 for 3 months, $150 for 6 months, $500 for 12 months, $800 for 18 months, $1,200 for 24 months and $1,500 for 36 months. Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. Credit is provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit License number 392145.
Latitude Interest Free FAQs
What is Latitude Interest Free?
Latitude Interest Free offers flexible long-term Interest Free payment plans to suit your needs. From 6-60 months, Latitude Interest Free gives you access to a range of Interest Free offers. Existing Latitude Gem Visa, Latitude GO Mastercard, CreditLine and Buyer's Edge credit card customers can checkout using Latitude Interest Free payment plan.
How does Latitude Interest Free work?
Latitude Interest Free credit cards such as Latitude Gem Visa or Latitude GO Mastercard work like normal credit cards but offer the added functionality of Interest Free payment plans.
There are three different types of Latitude Interest Free payment plans:
How much can I borrow with Latitude Interest Free payment plan?
Your approved credit limit will depend on your financial situation. The minimum credit limit for Latitude Gem Visa is $1,000 and monthly account service fee of $10.95 applies (subject to change).
What can I buy on Latitude Interest Free payment plan?
Look for the Latitude Interest Free logo when browsing online or in-store to know what products are eligible. The minimum purchase amount is different across retailers. Gift cards are excluded.
How do I pay off my Latitude Interest Free payment plan?
You will receive a monthly statement that highlights the minimum payment required and the available payment options. Bank transfer, direct debit, and BPAY® are available.
How do I manage my Latitude Interest Free payment plan?
You can manage your account from the Latitude Mobile App or the Latitude Service Centre. Search Latitude App in the App Store or Google Play.
- Minimum Monthly (Interest Free)
Minimum spend applies. Conditions, fees, and charges apply. New customers must apply and be approved for a Latitude Gem Visa credit card. Available on participating Latitude credit cards only (Latitude Gem Visa, Latitude GO Mastercard, Buyer's Edge, CreditLine).
$2000 TV on a 24-month Minimum Monthly payment plan = customer required to pay a minimum payment each month. Minimum monthly payments must be made until promotional plan is fully paid off. After expiry of the interest free promotional period, interest will be charged on the remaining outstanding balance. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. At the end of the plan, interest will be charged at 29.99% p.a. Interest may also apply to other credit card transactions if you do not comply with the T&Cs. Customers can make extra payments at any time with no penalties.