Credit Card Compare

Latitude Gem Visa

28.99%
Purchase rate
$131
Annual fee
55 days
Interest-free

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Latitude Gem Visa card
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CardIQ

45Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free41
  • Balance transfer49

Customer reviews

No reviews yet. Be the first to review the Latitude Gem Visa.

Pros & cons

What's good

  • 12 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 29.99% p.a.).
  • No fee to add an additional cardholder.

Worth noting

  • The $131 annual fee is high for a Standard card, where the typical fee is about $50.
  • The 28.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
  • 3% foreign transaction fee on overseas spending.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$1,000 – $100,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Eligible

Rates & fees

Ongoing interest rates

Cash advances
29.99% p.a.
Purchases
28.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$131 p.a.
Cash advance fee
3.5% of the amount
Foreign transaction fee
3%
Late payment fee
$45

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
3% of the closing balance or $25, whichever is greater

Balance transfers

Can't transfer from
David Jones, Latitude Financial Services
Limit
Up to your available credit limit
Period
12 months
Promotional rate
0% p.a.
Revert rate
29.99% p.a.
Transfer fee
3%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTop 10% (6th of 192 cards)
Balance transfer0% for 12 monthsTop 25% (14th of 64 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Annual fee$131 a yearNot as good as most cards (124th of 200 cards)
Purchase rate28.99%Among the weakest we track (194th of 196 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Latitude Financial Services