Latitude Financial Services - Gem Visa Credit Card
The Gem Visa Credit Card from Latitude Financial Services has an annual fee of $131.40. It has an interest rate of 27.99% p.a. on purchases with up to 55 days interest-free on purchases. There is the potential to join some long-term interest-free plans with various retailers and partners of Latitude.
A purchase interest rate of 27.99% p.a.
Annual Fee
$131.40 per year
Minimum Repayment
3% or $25 per statement, whichever is greater
Cash Advance Rate
29.99% p.a.
Purchase Rate
0% for 6 months reverts to 27.99% p.a.
Details
Card Type
Visa
Minimum Repayment
3% or $25
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$1,000
Fees
Annual Fee
$131.40
per year
Late Payment Fee
$45
per statement
Cash Advance Fee
3.50% or $4
per transaction, whichever is greater
Rates
Purchase Rate
0% for 6 months
reverts to 27.99% p.a.
Cash Advance Rate
29.99% p.a.
Balance Transfer
Balance Transfer Fee
3%
per transaction
Overseas Spending
Foreign Currency Conversion Fee
3%
per transaction
Overseas Cash Advance Fee
3%
per transaction
Eligibility
Minimum Age
18
years old
Temporary Residents
Yes
Rewards
Cashback
$200
one off
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
This product has been designed for customers who are individuals and:
Objectives and needs
- Require a credit card facility that gives them access to interest free payment plans for financing larger purchases.
- Require a credit card facility that gives them the ability to make everyday credit card purchases.
- require a credit card facility that also gives them the ability to perform other transactions
Financial situation
- require a credit card facility with a credit limit of at least $1000.
- can afford the credit card facility and its associated limit having regard to Latitude’s credit assessment.
Visit Latitude Financial Services to view Target Market Determination Effective From: 2024-12-11.
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