12-24 months interest free on payments is an incredible perk. Process of application and process of increasing credit limit was very simple and very quick. There is also an option to get insurance on the card (which is free if there is no amount due) so if anything unfortunate happens, you won't be stuck with a debt.
Definitely recommend this.

This card is too complex on its fee structure and so I tend to have it as a backup only. If I purchase an item i pay it off very quickly so I do not incur the very high penalty fees

found gift and having my card got me out of trouble with with other half as it a special day and I only recalled it when I heard some one say it was their special day

I used Latitude as it was the only option for interest free on my purchase. I had a couple of issues signing up to the online portal, it was exactly easy and took a couple of calls to resolve. It’s disappointing they charge you 95 cents if you chose to via BPAY. They only free digital method is to log on to their portal and do a one-off Direct debit. They clearly make it less easier for you to pay on time so they can get you with late fees and extra interest. It would be great when the government makes it illegal for these arbitrary fees especially when paying with BPAY.
Anyway, I’ve closed the account, all I can say is they were a means to an end

This is a great card for interest free but the lack of customer service that comes with it is not worth it. The calls are all handled from an OS company with terrible line quality. You can barely hear or get cut off frequently. I have been chasing a refund for over two weeks now and each time I speak to someone they take no longer than 5mins to look at my account and just say call the company who did the refund we don't have it. The refunding company has even contacted them to try and resolve as their records show it has been received by Gem Visa.

I have asked repeatedly for a statement and when my first payment is due but get no response. I get lots of emails from them but they have never responded to my requests for account details. Even when I use the App it tells me nothing more than the credit limit I have received.

I am happy to use gem card but recently I noticed that I get an email from gem card that I get 24 months interest-free when I buy from Apple but when I paid I get only 6 months which I think not appropriate.

I love using this card up to 50 months interest free in so many stores plus buyer protection if you find an item you purchased cheaper somewhere else. Worth it !!!

It's my go-to card for for bigger annual costs (car rego etc.)
Interest free for 6 months makes it a breeze to pay the balance off with little to no stress.

24 months interest free on my Iphone 12 Pro, it makes it a bit easier to keep up with technology.
Easy to set up and this is my second large purchase with the card

Called GemVisa to close account..
I was told to pay the final amount then wait for it to clear..
funds cleared..
charged process fee, pay that, wait to clear, charged process fee, etc

I highly recommend this card. 6 months interest free on purchases over $240 with a $99 annual fee is worth every penny. This is my go-to credit card and I wouldn't use anything else!

Have not used card over seas. however have found Latitude a very flexible credit option to use.

i use the card most the time and in this environment very helpful for money when I need it.

cheers

I didn’t use it overseas as I am not sure if I can use it for purchases made in other countries. I am not sure on how the interest rate works if the card is used overseas.

Need to improve your customers care assistance better. It's terrible customers assistance, it's hard to make them understand, end up with pissed off. Rest other services are awesome and fantastic

Have not used it overseas yet, but have purchased flights to travel overseas. Also purchased tyres and other automotive spares and the like.
I intend to use it overseas when we can fly agin.

I went to JB Hi-Fi to buy some stuff they suggested 50 months interest-free got me all hooked up with a gem credit card and that's all I was told I've got no idea how to pay it off I still haven't received an email or anything on how I set up a payment for this account but they give me the money no drama

How is it with electronic payments from my personal account take days to process? For 3 to 5 days there after the online facility to debit your personal account for a payment remains unreachable. Wrong, just wrong. Do better! And a fee for using Bill Pay? Really? With interest rates way over the top on most of your issued cards you could easily wear the small cost yourselves.

No fuss everywhere I went accepted this card and rates are acceptable. I do have other options and cards but prefer my gem visa. I would recommend Latitude Gem to my family and friends. And the interest free period is excellent.

Was an easy process to get my card email pay slips and after about an hour and all was approved very happy with the quickness will be using this for later product's