The charge of 3% of your transaction value or $3, whichever is greater, is called the cash advance fee. Gem New Zealand, 8 Tangihua Street, Auckland, 1010, New Zealand. Domayne. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. for 6 months on purchases over $250, Up to 55 days interest-free to pay for purchases under $250 when you meet the criteria, Extended interest-free period of up to one or two years with eligible Gem partners, 24.99% p.a. The transaction accrues interest at the cash advance rate of interest from the time it is made until you pay it off in full. applies if you don’t pay off the entire purchase by the end of the promotional period. Latitude Financial Services Limited is the credit provider of Gem Personal Loans, Gem Visa, Gem CreditLine and Gem Essential and is a participant of the Insurance & Financial Services Ombudsman dispute resolution scheme. They are open from Monday to Friday from 8:30am to 7pm and Saturday from 9am to 5pm. credit card offers of 2021. Latitude Gem Visa. Latitude Gem Visa (Low Rate Credit Card): 3.4 out of 5 stars from 672 genuine reviews on Australia's largest opinion site ieatwords.com.au. $99. 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. Shop with partners. Check out Latitude’s new mobile finance app. Stay up to date 24/7. Latitude Gem Visa (Low Rate Credit Card): 3.4 out of 5 stars from 1,018 genuine reviews (page 8) on Australia's largest opinion site ProductReview.com.au. Kindly note that GEM Visa Credit Card attracts an annual fee of $99. In New Zealand, the Latitude Group includes: Latitude Financial Services Limited (Company number 5624865). Refer to product websites for conditions, fees and charges. So i want to buy a bed but it cost more than my limit. The most competitive 0% p.a. BBQs Galore. Nominate an additional cardholder with Latitude Gem Visa Uh oh, looks like your browser (Internet Explorer) is out of date. By submitting, you agree to the Finder Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy. You may check out other balance transfer credit cards for more options. I want to pay off in installments l. Can I do this? Introducing our new … Download the Latitude App and stay up to date on your balance, transactions and more. A $99 annual fee for Latitude Gem Visa applies. The rate reverts to 24.99% p.a. We compare from a wide set of banks, insurers and product issuers. finder.com.au is one of Australia's leading comparison websites. If, yes how much they charge me? Amart Furniture. Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. It’s a real Gem, this credit card. Download the Latitude App and stay up to date on your balance, transactions and more. *2. Get your credit score and report for free through Finder. You’ll get a response within 60 seconds, and if approved you can start shopping instore straight away. Personal Loans: Credit facility provided by Latitude Personal Finance Pty Ltd 54 008 443 810, Australian Credit Licence number 392163. Thanks for your comment. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Gem New Zealand, 8 Tangihua Street, Auckland, 1010, New Zealand. Latitude Gem Visa, Latitude Mastercard, Care Credit, etc.). You can use your existing Gem Visa card, or apply now. Gem is a leader in consumer finance, offering a range of services including personal loans, car loans, credit cards, interest free and promotional retail finance. Credit Cards: Credit facility provided by Latitude Finance Australia ABN 42 008 583 588, Australian Credit Licence number 392145. If you have spent over $250 on your Gem Visa Credit Card, on your monthly statement, you’ll be able to clearly identify your ‘Gem Visa 0% interest for 6 months purchases’ and your ‘Other 0% interest purchases’. Gem is a leader in consumer finance, offering a range of services including personal loans, car loans, credit cards, interest free and promotional retail finance. Samsung Electronics Australia. It also offers 0% p.a. Latitude Gem Visa. Please feel free to reach out to us if you have any other enquiries. So think carefully about how you plan to use this card and whether you can stick to payment plans that will help you avoid interest. The Payment to Reduce Future Interest amount will help you understand how much you need to pay that month to reduce the amount of interest you’re charged in the future, or in some cases, avoid interest altogether. A $99 annual fee for Latitude Gem Visa applies. With our range of products including LatitudePay, credit cards, sales finance, personal loans and consumer credit insurance, with Latitude, we work together. We try to take an open and transparent approach and provide a broad-based comparison service. There’s a range of options, including long term interest free plans, flexible payment periods and buy now, pay later options. Equal Monthly Payments – You can make equal monthly payments during the course of the promotional period. Up to 55 days interest free is available on purchases under $250. Personal Loans: Credit facility provided by Latitude Personal Finance Pty Ltd 54 008 443 810, Australian Credit Licence number 392163. Compare Latitude Financial Credit Cards However, you can make payments at any time. Payments are processed during business hours, so make sure you complete your transaction before your bank’s cut-off time or the due date. Hi, I was wondering if I pay $8000 by my gem visa credit cart to ATO by BPay, is it counting as a cash advance? as cash advance interest rate. You should consider whether the products or services featured on our site are appropriate for your needs. Latitude Gem Visa: Purchase rate: 24.99% p.a. Hope this helps and feel free to reach out to us again for further assistance. We’re reader-supported and may be paid when you visit links to partner sites. 2 Find out more here. Latitude Financial Services 800 Collins Street, Docklands, Victoria 3008. Thanks for getting in touch! You may discuss the payment allocation with their customer solution team by calling 1300 630 977 within Australia or +61 1300 630 977 from overseas. Where can I shop interest free with Latitude Gem Visa? 1300 369 905 within Australia. Bing Lee. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. Genoapay is provided by … Your go-to shopping card with 6 months interest free on purchases $250 and over. You may want to read our guide on how to properly close a credit card. Annual fee: $99 : Interest-free period: Up to 55 days on purchases: Cash advance rate: 24.99% p.a. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Michael Hill. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University. There are no charges for going over your credit limit. The Good Guys. Gem products are provided by Latitude Financial Services Limited. From what I understand, any payments made will first be allocated to pay the Equal Monthly Repayments purchase $2000 and would effect the subsequent $300 unless the entire Equal Monthly Repayment purchase is completely paid off. You can learn more about how we make money here. View current offers. Minimum Monthly + Flexible Payments – You need to make a minimum payment each month. after the 6 month period. Stay up to date 24/7. 1300 369 905 within Australia +61 1300 369 905 from overseas. I am wanting to apply for the GEM visa card- one question. We've joined with some of New Zealand's leading brands so you can enjoy long term interest free deals. Australian Credit Licence Number 392145. Please note that we are not affiliated with Gem Visa or any company we feature on our site and so we can only offer you general advice. Australian Credit Licence 392145. Interest payment plans. Ready, Set, Tap. Choose from a range of plan terms up to 60 months that suit your monthly repayment needs. I used my Latitude Gem Visa to purchase Christmas presents this year. $99. See all your Latitude and Gem cards and personal loans in one place. Furthermore, to automatically receive 0% interest for 6 months on any Visa purchase over $250, all you need to do is pay using your Gem Visa credit card. Temple & Webster. To qualify for these 0% interest offers, purchases must be made using a CreditLine card acquired through Apple or a Buyer’s Edge, CreditLine, Gem Visa or GO Mastercard issued by Latitude Finance Australia. It's never been easier to shop for your favourite things than with 0% Interest Payment Plans for instore purchases. ?? Enjoy exclusive deals, discounts and offers by simply using your Visa card at home and overseas. 0%. You’ll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. Itâs a real Gem, this credit card. But but you have the flexibility to make extra payments at any time. Latitude Gem Visa: Purchase rate: 24.99% p.a. Fax. With the Latitude Gem Visa card, you can enjoy the convenience of an everyday credit card while also taking advantage of interest-free buy now pay later options. A payment handling fee of 95 cents applies to each BPAY payment made to your account. Flexible terms. Simply apply for a Latitude Gem Visa product and complete your online purchase immediately. +61 1300 630 977 from overseas. Thereâs a range of options, including long term interest free plans, flexible payment periods and buy now, pay later options. Sydney, NSW, Australia 2000. Luxury Escapes Travel. Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. You can find the Interest-free payment plans of the card by reading “CARD BENEFITS.”. 0%. Latitude Gem Visa. This card comes with a 6-month interest-free introductory offer on purchases over $250, a low annual fee of $99 and up to 55 interest-free days. Harvey Norman. So let’s say, I took out $450 how long do I have to pay it off and what is the interest? I suggest contacting Gem directly to confirm this info or visit their official site. purchase interest rate is very high, You can't earn rewards on the purchases you make with this card. Annual fee: $99 : Interest-free period: Up to 55 days on purchases: Cash advance rate: 24.99% … Just wondering how the credit limits work on my card? Long term interest free plans at thousands of retailers 3; 6 months interest free on purchases $250 and over; Up to 55 days 4 … You should only receive one over limit alert between each statement period. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. But your Latitude Gem Visa is so much more than a card! Visa and the Visa brand are registered trademarks of Visa International. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice. You are about to post a question on finder.com.au: Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances. 3. Because at Latitude, we partner with our 2.4 million customers so they can make things happen. 2 Find out more here. Personal Loans: Credit facility provided by Latitude Personal Finance Pty Ltd 54 008 443 810, Australian Credit Licence number 392163. But your Latitude Gem Visa is so much more than a card! To read our website terms of use and Privacy Policy score and report free! App and stay up to 60 months that suit your monthly statements close my account with Gem under $ and! Not have a balance transfer on Gem Visa: purchase rate: 24.99 %.... Million customers so they can make payments at any latitude gem visa modern alternatives for a Gem. 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So they can make things happen through us does not guarantee you can make payments at any.! There is the payment to Reduce Future interest section from one central hub 99 annual fee Latitude. We partner with our 2.4 million customers so they can make things happen Saturday from 9am to 5pm Journalism Drama... Then close my … the Latitude Gem Visa credit card balance and interest rate to calculate your savings... You general advice Services featured on our sites than with 0 % interest payment plans for instore purchases to off. Close a credit card that will earn you the most points for your feedback and building the app that want. Affiliate links, advertisers do not represent any Company we feature on our site are appropriate for your and. And complete your online purchase immediately cash using your Latitude Gem Visa card- one question: period! I ’ ve read a couple of reviews online saying that it ’ s a bit of a.! You don ’ t compare all products in the market, but we ’ re working it! 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