The Latitude Gem Visa is a shopper’s credit card. This credit card differs from other cards you use, in the sense that, it allows cardholders to benefit from interest-free shopping at any time. With 0% interest for six months on any purchase over $250. Other credit cards may provide interest-free introductory offers to her customers. Gem Credit Card allows longer interest-free plans on purchases made at participating stores.
If used correctly, the Latitude Gem Visa card could help you save big on interest. As an everyday credit card, the Latitude Gem Visa Credit Card lets you enjoy up to 55 days interest-free on all your everyday purchases.
As long as you clear your balance both for the statement before the purchases were made and for the statement on which the purchases are listed. On larger purchases of $250 or more, you can benefit from some extra breathing room, with 0% interest for six months.
That gives you a good long time to repay your purchase while paying nothing in interest. You don’t need to set up anything to enjoy this interest-free period. All purchases over $250 made on the card will automatically receive it. That is great about Latitude Gem Credit Card.
If you use your Latitude Gem Visa at any of the card’s participating retail partners and service providers, which include Amart Furniture, the Good Guys, and Michael Hill.
You can take advantage of even longer 0% interest-free plans. Simply present your card and the salesperson will let you know which 0% Interest Payment Plans are currently available.
You can then choose from three repayment plan options. With the Interest-Free plan, you will make minimum monthly payments.
With the Instalment Interest-Free plan, you will pay equal monthly payments
With the Buy Now, Pay Later plan, there are no set payments required during the interest-free period, so you pay what you want when you want.
With each of these options and as long as you pay the balance on time and in full before the end of the plan, you won’t pay anything in interest.
Gem Credit Card Key Features
The credit card has the following features as the main feature of using the credit card. Keep reading as you enjoy the feature of Gem Visa Credit Card.
====> You need to take the advantage of 12, 24 or up to 60-month interest-free plans from a range of retailers
====> You will enjoy 0% for 6 months on everyday purchases $250 and over
====> Gem Visa Fraud Security Protection, your Gem Credit Card is fully protected
====> You will be able to receive up to 55 days interest-free if you make purchases under $250
====> Gem Visa card gives a standard interest rate of 24.99% on purchases and cash advances to the cardholder
Pros and Cons of Gem Visa Credit Card
This part of the article will run through the pros and cons of this amazing credit card. We strongly believe the pros are far better than the cons
Pros of Latitude Gem Visa Card
====> 0% for 6 months on everyday purchases $250 and over
====> Receive up to 55 days interest-free if you make purchases under $250
====> Take advantage of 12, 24 or up to 60-month Interest-Free payments plans from a range of retailers
Cons of Latitude Gem Credit Card
====> One of the demerits of this credit card is the Standard Purchase and Cash Advance rate of 24.99% p.a. It is considered too high.
====> $99 Annual Fee, this is too high
====> 3% International Transaction Fee, it is high as well
====> Payment Handling Fees ($0.95 online, $2.50 in person)
Latitude Gem Visa Credit Card Details
|Category||Low Rate Credit Cards|
|Minimum Credit Limit||$1,000|
|Contactless Payments||Fitbit Pay, Apple Pay, Google Pay, Samsung Pay, and Garmin Pay|
|Gem Visa Card Rates & Fees|
|Purchase Rate||24.99% p.a., Considered too high|
|Cash Advance Fee||3%|
|Late Payment Fee||$30|
|Annual Fee||$99 p.a., Considered too high|
|Foreign Transaction Fee||3%|
|Interest-Free Period||55 days|
|Cash Advance Rate||24.99% p.a.|
|Introductory Offers of Gem Credit Card|
|Introductory Rate||0% interest for 6 months on purchases over $250|
|Introductory Offers||0% on Cash Advance for 1 – 60 months. The interest rate thereafter changes to 24.99% p.a.|
|Release date||July 2013|
Gem Visa Credit Card Benefits
Shop with flexibility and enjoy benefits with the Gem Visa credit card which include the following
====> You will be able to pay with Apple Pay, Fitbit Pay, Google Pay and Garmin.
====> Be it for a 12, 24 or up to 60-month interest-free plan, Gem Visa credit card can tailor a plan that works for you.
====> You will enjoy big-ticket items as Latitude Financial has partnered with some of Australia’s best brands and retailers to offer you fantastic long-term interest-free plans.
====> 6 months interest-free on all Visa purchases $250 and above, anywhere Visa is accepted.
====> Get rewarded for carrying the Gem card with exclusive discounts, offers and deals just for using your card.
Gem Visa Card Application Requirement
Who knows, you may want to apply for this credit card. Before you apply, you need to meet up with the application requirement for Latitude Gem Credit Card.
====> Applicant must be 18 years and above
====> Applicant must Australian permanent resident
====> Applicant must have good Credit
====> Applicant must have not applied for multiple credit cards recently
====> Applicant must have his or her personal details ready to complete the online application
Gem Visa Credit Card Application Process
Now, we are moving forward. This part of the article will guide you through the application process. The process is very simple and easy to follow.
Step 1 ====> You need to visit the Gem Credit Card official application page or copy and paste https://www.gemvisacreditcard.com.au on your browser
Step 2 ====> On the page, locate and click on the Apply Now button
Step 3 ====> Read through the Terms and Conditions of the card and agree.
Step 4 ====> Provide your personal information in the space provided; Title, First name, Middle name, Last name, Date of birth, Relationship status, Number of dependents, Australian driver’s license number
Step 5 ====> Provide your contact details as required; Email address, Mobile Number, Home (with area code), Work (with area code), Alternative contact, Name, and Contact number
Step 6 ====> Provide your residential address information; Residential address, how long have you lived there? Residential status
Step 7 ====> Answer the question. Is your postal address the same as your residential address? By ticking the appropriate box.
Step 8 ====> Now give your consent to the terms and conditions of the card
Step 9 ====> Then tick on the Next tab, to proceed further.
Check Gem Visa Credit Card Application Status
Check your application status, by calling using the number displayed on the card’s website.
Gem Visa Credit Card Activation
After receiving your card from the mail, you are to call using the number displayed on the card’s website, to activate your card.
Gem Credit Card Login Process
You have received your Gem Visa Card, which is great. You need to login into your online account to access may function. This part of the article will guide you through the login process.
Step 1 ====> You need to visit the official login page or click Gem Card
Step 2 ====> Now, enter your login details (Username and Password) in the space provided
Step 3 ====> Then, click on the login button
Once you enter the correct details in the space provided, you will access your online account without any issue.
Recover Gem Visa Credit Card Login Details
Our account login details include Username and Password, some time due to some reasons we misplace these details. Recovery of your login details is possible, you will be guided through this part of the article. Access to your account will not be denied once you have your username and password. To recover the same:
Step 1 ====> Visit the login gage
Step 2 ====> Now click on Forgot your Username link
Step 3 ====> Type in your Card number and your Credit limit
Step 4 ====> Then, click on Retrieve Username link
Step 1 ====> Visit the login gage
Step 2 ====> Click on the Forgot your Password link
Step 3 ====> Type in your Card number, Username and Credit limit
Step 4 ====> Click on the Proceed option to reset your password
Gem Visa Credit Card Payment Method
Gem Credit Cardholders can make payments through various means, electronically, via their bank’s phone or internet banking service. Another option is using BPAY which is available 24/7 days a week.
Gem Credit Card Online Payment Process
To make your payment online, this is simple and easy way. You only need to follow simple steps as explained in the article.
Step 1 ====> You need to login into your online account as explained above
Step 2 ====> Quote the Gem Visa credit card Biller Code inscribed on your statement.
Step 3 ====> Type in your account number
Step 4 ====> Type in the amount you want to pay
Internet Banking Payment Process
Gem Visa is loaded as a bill payee with most major banks. The information needed includes:
Payee: Gem Visa & Bank Account number: 03 0502 0681686 00.
Reference: 00 and then the last 10 digits of your account number. You can find your account number in the top right-hand corner of your Gem Visa statement.
Particulars: Your surname & first initial
No Fees: They do not charge a fee for payments
Gem Visa Card Automatic Payment Process
The automatic payment facility helps to ensure you never miss a payment by setting up automatic monthly payments to your Gem Visa account from your bank savings or cheque account.
Use an automatic payment when you would like to make regular payments that are set and controlled by you. You choose to pay the same amount and how frequently you pay: weekly, fortnightly or monthly.
Download Automatic Payment Form
Download an automatic payment form or you can set up automatic payments directly with your bank. Once you have completed your form you can take it to your bank to organize or email it to Gem
Gem Visa Card Direct Debit Payment
The direct debit facility helps to ensure you never miss a payment by setting up regular monthly payments to your Gem Visa account from your bank’s savings or cheque account.
Direct debit is best when you would like to make monthly payments which are based on a selection of the following:
minimum monthly payment, a fixed monthly amount or payment to reduce further interest. Payments may vary each month based on your payment selection.
No Fees: We do not charge a fee for payments made via Direct Debit.
Note: Fixed monthly amount in this instance is the greater of a fixed monthly amount or minimum monthly payment as shown on your Gem Visa statement.