Interest Free Payment Plans up to 36 months on a Latitude Gem Visa credit card*
Already have a Latitude card?
If you already hold a Latitude GEM Visa or Go Mastercard, you're ready to use 6 Month interest free at Adriatic right now.
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How Interest Free payment plans work
Latitude offers different payment plans for you to access at various retailers.If you have a balance remaining at the end of your chosen Interest Free payment plan period, interest will apply.
How Interest Free payment plans work
Latitude offers different payment plans for you to access at various retailers.If you have a balance remaining at the end of your chosen Interest Free payment plan period, interest will apply.
Latitude interest free offers 6 to 36 monthly payment plans
*Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Minimum spend applies to different plan term(s): minimum spend $800 for 6 months, $800 for 12 months, $800 for 24 months and $800 for 36 months. Paying only the minimum monthly payments will not pay out the plan. After the interest free plan ends interest will be charged on any outstanding balance at the expired plan rate, currently 29.99% p.a. (subject to change). If you miss a payment late fees will apply and interest may apply. Interest may also be charged on other purchases and transactions made on your Latitude credit card. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145| Type of Fee | 6 Months Plan | 12 Months Plan | 18 Months Plan | 24 Months Plan | 36 Months Plan |
|---|---|---|---|---|---|
| Minimum Purchase Amount | $800 |
$800 |
$800 |
$800 |
$800 |
| Payment Plan | Minimum Monthly Payment | Minimum Monthly Payment | Minimum Monthly Payment | Minimum Monthly Payment | Minimum Monthly Payment |
|
Account Fee (monthly) Subject to change by Latitude |
$11.95 | $11.95 | $11.95 | $11.95 | $11.95 |
| Set Up Fee | Free | Free | Free | Free | Free |
| Payment Frequency | Monthly | Monthly | Monthly | Monthly | Monthly |
| Interest Free Months | 6 Months | 12 Months | 18 Months | 24 Months | 36 Months |
Learn more about late fees here.
Frequently Asked Questions
What is a Latitude Interest Free plan?
A Latitude Interest Free Plan is a payment option that allows cardholders of the
participating Latitude credit cards to make purchases and pay them off over time without paying any interest as long as they meet the plan’s terms & conditions. Plans range from 6 to 36 months.
How does Latitude Interest Free Plan work?
A Latitude Interest Free Plan is available on a Latitude Gem Visa or Latitude GO Mastercard credit card. There are three different types of Latitude Interest Free plans available:
Minimum Monthly (Interest Free)
A Minimum Monthly Payment Plan requires a customer to pay a minimum payment each month as specified in their statement. Customers have flexibility to make extra payments at any time with no penalties.
Paying only the minimum monthly payments will not pay out the plan. After the interest free plan ends, interest will be charged on any outstanding balance at the expired plan rate, currently 29.99% p.a. (subject to change). If the payment is missed, late fees will apply, and interest may apply. Interest may also be charged on other purchases and transactions made on their Latitude credit card.
How much can I borrow with a Latitude Gem Visa credit card?
Approved credit limit will depend on your financial situation. The minimum credit limit for Latitude Gem Visa is $1,000 and a monthly credit card fee (currently $11.95) will apply. Other credit card fees and charges may apply.
What can I buy on Latitude Interest Free plan?
If you are a cardholder of the Latitude Gem Visa or the Latitude GO Mastercard credit card, you can buy a wide range of products on a Latitude Interest Free plan. Look for the Latitude logo when browsing online or in-store to confirm eligibility. A minimum purchase amount applies, and some exclusions may apply.
How do I pay off my Latitude Interest Free Plan?
You will receive a monthly statement that outlines the minimum payment required, and the available payment options, including bank transfer, direct debit, and BPAY®.
How do I manage my Latitude Interest Free payment plan?
You can manage your credit card account from the Latitude Mobile App or the Latitude Service Centre. The Latitude App is available for download from the App Store or Google Play.
