2Latitude Gem Visa

Latitude Gem Visa

 Verified
2Latitude Gem Visa
3.2

1,103 reviews

PositivevsNegative
55% · 602441 · 40%
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3.4
Customer Service
3.4
Rates and Fees
3.2
Rewards
2.4
Online Experience
3.4
Application Process
3.9
6 Months Interest Free on purchases over $250 with participating retailers
Three 0% Interest Payment Plans to choose from
No Annual Fee
Monthly Account Service fee of $8.95, applied to balances of $10 or more
3% International Transaction Fee
Payment Handling Fees ($0.95 online, $2.50 in person)
High 21.45% p.a. Purchase Rate

Details

CategoryLow Rate Credit Cards
Card TypeVisa
Minimum Credit Limit $1,000
Minimum Repayments3%
Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate23.95% p.a.
Cash Advance Fee3%
Late Payment Fee$35
Annual Fee$0 p.a.
Foreign Transaction Fee 3%
Interest Free Period 55 days
Cash Advance Rate24.99% p.a.
Introductory Offers
Introductory Rate 0% interest for 6 months on purchases over $250
Release date
Visit official website

Contact info for Latitude Gem Visa

Mon8:30 am - 8:00 pm
Tue8:30 am - 8:00 pm
Wed8:30 am - 8:00 pm
Thu8:30 am - 8:00 pm
Fri9:30 am - 8:00 pm
Sat8:30 am - 8:00 pm
SunClosed
  • ABN: 42008583588

Reviews

1,103 reviews
K V.
K V.91 posts
 

They want you to earn interest and pay daily charges

I tried to change my monthly direct debit but I can't change it as I have a overdue amount but I can't pay the overdue amount as the website came up with something went wrong try again later, so they want you to earn interest and daily charges due to a fault with their website (I ended up using BPay in which they earn $1.49 off me for fees X how many customers?). Also the website says error 404 page can't be found when I went to find out about "Account Service fee" and "Billed Finance charges". PS After several months the online service centre still haven't been deactivated Show details
Stephen
StephenGreater Melbourne (Outer), VIC
 

Don't do it

Was ok for interest free purchases but after that if you want to close it you have to jump through so many hoops. The app is no good unless you just check the balance and the same goes for the website Show details
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
David B
David B
 

105% Increase in Fees to Pay Online :(

How can Latitude Financial possibly justify a 105% increase in fees just to make a payment online?
"Effective from 10th April 2024, the following changes will apply to the relevant credit card products issued by Latitude listed below.

Latitude 28° Global Platinum Mastercard®, Latitude GO Mastercard® / Latitude GO Platinum Mastercard®, Latitude Gem Visa, Latitude Infinity Rewards Visa, Latitude Low Rate Mastercard®, Latitude Eco Mastercard® and Latitude Mastercard®.

The payment handling fee (online) will increase from $0.95 to $1.95" Show details

wakitlay
wakitlay
 

avoid at all cost

Worst credit card. wasted my establishment fees of $55. non refundable. scam company. Show details
Rates and Fees
DEAN
DEAN13 posts
 

A nightmare no customer service

This card is impossible to cancel , they just keep charging fees even with no balance. This is the worst card you can ever get, believe it when I say you can't contact anyone, the balance of my account is zero and still cannot close it. Show details
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Joey
Joey4 posts
 

Disgusting. ACA needs to investigate

6 weeks later neither declined or approved after getting all of my financials and affecting my credit score. They have not made contact with any outcome. I want the enquiry removed from my credit report. Show details
Kangaroos
KangaroosAU10 posts
 
consumer
consumerSydney, NSW10 posts
  Verified
Online Experience
ramta J.
ramta J.
 

Pathetic Customer Support

I recently had a concerning issue with duplicate transactions on my account, amounting to $598.00. Seeking resolution, I contacted Gem Visa Support and unfortunately, I must express my deep dissatisfaction with the service provided by one of your representatives, Mr. Vishal.

During our interaction, Vishal not only failed to address my concerns adequately, but his behavior was unprofessional, sarcastic, and downright arrogant. Instead of empathizing with my situation and providing assistance, he dismissed my issue as if it were trivial and laughed sarcastically throughout our conversation. Such behavior is completely unacceptable and has left me extremely frustrated.

Ness
NessGreater Melbourne (Inner), VIC
  Fair Incentive

Not very financially friendly

Ive paid $725 in under 5 week By geting card 14th november bur started chargng me from day of grant not day I recieved card and activated I believed it was 55days intrest free i guess not,also Ive been paying xtra and is having no affect on lowering my amount owed infact amount left to use is dwindling daily even though I stopped spending on it now! not sure $2000 GEM visa best option,find better intrest rate One that rewards you for paying xtra payments to get paid down sooner and there is no gap between what is owed and your balance left to spend. I guess I'm saying that you need to do research before getting a credit card Show details
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Peter Townsville
Peter TownsvilleNorth Queensland, QLD207 posts
  Verified
Online Experience
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Simon
SimonMelbourne2 posts
 

Worst customer service

Called Latitude GEM Visa today and waited for 2 hours on hold and still they didn't answer. If you want a financial institution that will value your custom and talk to you I would strongly suggest you go elsewhere ... Show details
rob
rob4 posts
 

gem card

great product just need to make ya fee's for b pay nil Show details
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Deborah Turnbull
Deborah TurnbullGreater Melbourne (Inner), VIC
  Fair Incentive

Great card to have

Great offers with this credit card when you shop. Lots of different store options. Show details
Sumit
Sumit3 posts
 

Don’t spend your hard earned money and pay them hidden interest free deals

It’s not really interest free credit card. which you can use for everyday shopping - they will charge you $50+ dollars billed finance charges then monthly accounts fees $9.95 and $2.50 for paper statement. Please be careful . I have closed the account Show details
Customer Service
Online Experience
Application Process

Questions & Answers

kirsteen m.
kirsteen m.

Can you pay money into a bank account from gem visa

Vashta Nerada
Vashta Nerada  
kirsteen m.
kirsteen m.  

Thank you

Jess C.
Jess C.

How do I transfer money from my lattitude Gem visa account to a bank account

Sanjayan N.
Sanjayan N.

Worst customer service ever. They don't know what they are looking for. They get information and asked to wait on hold. And that's the end of story. They never come back. Is this company a legit one? I got the reference from Samsung to buy interest free payment plan. Can I go legally with this issue? Where do they have their office located?

See all Latitude Gem Visa questions

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