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Latitude Gem Visa

Latitude Gem Visa

3.3 from 610 reviews

Pros

  • 6 Months Interest Free on purchases over $250 with participating retailers

  • Three 0% Interest Payment Plans to choose from

Cons

  • $99 Annual Fee

  • 3% International Transaction Fee

  • Payment Handling Fees ($0.95 online, $2.50 in person)

  • High 24.99% p.a. Purchase Rate

Reviews

Review distribution

5 star
265
4 star
84
3 star
36
2 star
28
1 star
197

Michelle

MichelleSydney, NSW

  • 2 reviews

Very Slow Application Processing Time

published
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Donna

DonnaSouth East Queensland, QLD

Great product

published

Have used with large purchases before and have always had great customer service. Rates are comparable with other finance companies and I love the interest free options. Always pay off before expiry.

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Great service. Great product.

published

Just unsure why my month payment is so high? I have a 50 months interest free and with the payments you require we will be paid off way before that? Don't understand? Cheers

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Toni

ToniSouth East Queensland, QLD

  • 3 reviews

Had no problems

published

I havent used my card overseas. But I may in the future. I find gem visa to be fair in their fees and customer service is good. I have no complaints

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Card Start DateFebruary 2018
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Kat

KatWestern Australia

  • 5 reviews
  • 1 like

Great service

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Great service and help when needed. Rates are high as with every credit card but easy company to deal with. Online portal quick to set up and phone calls to the service centre answered in oksy amount of time.

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PaulMaroo

PaulMaroo

  • 8 reviews

Just bad. You'll find out if you ever need help with anything - BEWARE of LATITUDE.

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I absolutely hate this company. Their lack of customer service is disgusting for a financial service. With all the negative reviews on this, and the GE Creditline page - I'm surprised that they aren't being investigated.

The off-shore call centre operators cannot comprehend simple instructions. Spoke to several people who all made promises and never delivered. I've spent far too long on hold, or just on the phone in general - only to have to do the exact same thing again the following week!

Honestly, they don't have a clue what you're telling them and they will just pacify you with false promises until you give up.

Oh - if you ever get through to TANVI - just hang up and try again as she is not only rude, but incompetent.


Chubba

ChubbaHobart, TAS

Too much hassles

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Tried to get a finance for a 1200 dollar worth furniture shopping. Turned out they requested tonnes of paper to prove that i could pay back that amount of loan...i mean seriously, little over my weekly pay. On the top of that, their accent is really hard to understand. I mean i have a strong one as well therefore i would never even consider to work as a customer service representative.
To be honest they were trying to be helpful but their company's strict rules made it impossible to proceed...anyway i just cancelled the whole procedure and went back to the store to pay the whole amount with my other credit card. Cheers

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ripped off

ripped offGreater Melbourne (Outer), VIC

Sly and dishonnest

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Total rip off, paid off loan amount on interest free and then the statements stopped and the annual fee was charged to my account without me knowing. Then I received a $25 late payment fee for something I didnt even know existed. Trying to close my account, filled in the forms and now almost a week later they still have not closed the account. Sly!

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Total scam. They withdrew less out of my account every month so I had to pay interest at the end!

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Scam. Supposed to withdraw enough each month so I had the mattress paid off after 24 months. Kept withdrawing less each month so at 24 months I still owed $1000. 6 months later and I only realise I'm still paying it off and half my monthly repayments are interest!! Total scam

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Card Start DateMay 2017
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Adrian V.

Adrian V.Metropolitan Adelaide, SA

Garbage

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Absolute rip off , statement say pay off say 40 dollars to avoid interest then the very next week it's 800 dollars had 2 purchases 1 12 month interest free and 1 36 month interest free no one could tell me why the money I paid wouldn't predominantly come off the 12 month plan.
Not impressed at all false advertising read the fine print

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Card Start DateDecember 2018
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Scott

ScottCanberra 2600, ACT

  • 2 reviews

My go to card!

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Been using my GEM/Latitude Visa for years now and always gets me outta trouble when waiting for pay day. Interests rates are high but the plans they have in place for spending certain amount and 0% interest if paid within specified time frames works for me

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Card / Account Used ForEveryday Expenses and Online Shopping
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Purchase was good but the backend sucks

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I used my card and got my del done which is expected. My account is a mess though I am unable to see my electronic statements and the amount is incorrect. Granted I could have done more to fix it but needed to fill the 30 words this survey is taking....

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Card Start DateMay 2018
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KJJ

KJJSouth East Queensland, QLD

Very poor customer service. Huge amount of wasted time

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This review is a huge waste of time like the customer service staff at latitude finance. Shocked with the amount of time I wasted dealing what should have been a simple request...

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Card Start DateMarch 2016
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Great card and service

published

I have not used it overseas. This survey is annoying specially need to add 30 words? Why it is so complicated? Time is money and need to understand it. Thanks

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Card Start DateNovember 2019
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Lisa B.

Lisa B.Illawarra, NSW

not impressed

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Website not always easy to access, went to make a payment more frequently online and it "Was not Available" a few times, which means i could not make a payment.

Vai

VaiPerth, WA

Loved Latitude Gem Visa - Awesome!

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Managed to get what I needed and I am so happy with what I've got from Super Amart,now I can afford good quality stuff using Gem Visa Card Thank you LGV.

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Card Start DateNovember 2019
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Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
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So lucky and happy to b a part of gem visa

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I have already used my gem visa. It was so simple and easy. I'm very happy.. The application process was very easy and very quick. I have yet to use my gem visa

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Card Start DateNovember 2019
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Back up card

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I use it as a back up card for unexpected expenses. Overall it's a credit card with competitive interest rate. Customer service is fast and responsive with issues that arises.

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Card Start DateApril 2017
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Alexa

AlexaSouth East Queensland, QLD

Great card, helped me get the things I needed.

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Like the interest free options. The upfront annual fee was a little quick, coming onto my account in less than three weeks of obtaining the card though. Otherwise great card.

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Card Start DateMay 2019
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Lynny

LynnyHunter Region, NSW

Gem visa has been a life saver

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Gem visa has enabled me to purchase many things that I have needed over the years with growing children. It's easy and great to use. I can't live without it.

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Main Point of ContactOnline
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Questions & Answers

Carol

Carolasked

I have lost my gem visa card, can I use my account number for a purchase?

No answers

Suzanne D.

Suzanne D.asked

Can I pay out my Latitude Visa Card with my CBA Mastercard?

No answers

Brenda C.

Brenda C.asked

Do any banks in nz accept cash payment for my gem visa account

No answers

Get an answer from our members and Latitude Financial representatives

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