Interest Free
Payment Plans
on a Latitude Gem Visa credit card
Also available on other participating Latitude credit cards. For eligible purchases above a minimum financed amount.
It's never been easier to shop for your favourite things with up to 24 Months Interest Free Payment Plans for online purchases.
Eligible Credit Cards
You can use your existing Latitude Gem Visa or Latitude GO Mastercard. Or apply now for a new Latitude Gem Visa credit card.
Monthly credit card fee is payable, currently $10.95 (subject to change). 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.
For the current credit card fees and interest rates as well as the General Terms and Conditions of your participating Latitude credit card, please visit www.latitudefinancial.com.au/credit-cards/gem-visa/ (for Latitude Gem Visa) or https://www.latitudefinancial.com.au/credit-cards/gomastercard/ (for Latitude GO Mastercard).
Credit provided by Latitude Finance Australia (ABN 42 008 583 588 Australian Credit Licence number 392145)
New applicants
Apply now for a Latitude Gem Visa credit card^
- Apply online in 10 minutes
- Once approved, simply activate your card online using the Latitude app
- In-store purchases: Head in-store and provide us with your photo ID and account number
- Online purchases: Checkout using your Latitude Gem Visa account number and have your mobile phone on hand for verification
- Fees and charges apply including an $10.95 per month account service fee (subject to change).
Existing Latitude credit card holders
Start shopping interest free now!
- For online purchases choose Latitude Interest Free as your payment method during checkout and simply enter your card or account number
- Or visit your nearest store and present your card at checkout
- Fees and charges may apply (please refer to your cards terms and conditions).
Available Payment Plans
6 months Minimum Monthly Payment Plan
Minimum financed amount $300
Excludes Miele & Asko agency sales, gift cards, phone plans, JB Hi-Fi Device+ plans and products purchased with JB Hi-Fi Device+ plans.
12 Months Minimum Monthly Payment Plan
Minimum financed amount $500
Excludes Miele & Asko agency sales, gift cards, phone plans, JB Hi-Fi Device+ plans and products purchased with JB Hi-Fi Device+ plans.
24 Months Minimum Monthly Payment Plan
Minimum financed amount $600
Excludes Miele & Asko agency sales, gift cards, phone plans, JB Hi-Fi Device+ plans and products purchased with JB Hi-Fi Device+ plans.
*Excludes Miele & Asko agency sales, gift cards, phone plans, JB Hi-Fi Device+ plans and products purchased with JB Hi-Fi Device+ plans. Visit jbhifi.com.au/pages/interest-free-finance for further details and T&Cs (including General Terms & Conditions for participating Latitude credit cards). #JB Hi-Fi gift card issued in-store at time of purchase and is subject to JB Hi-Fi gift card terms and conditions, available at jbhifi.com.au/giftcardterms. Credit provided by Latitude Finance Australia (ABN 42 008 583 588 Australian Credit Licence Number 392145).
Other plan terms may be available in-store.
Interest Free Payment Plans available on participating Latitude credit cards explained:
Equal Monthly Payment Plan
Equal Monthly Plans are a type of interest free payment plan that allows you to buy what you need now and make a payment of the same amount each month, for the period of the plan.
The total amount of the plan is payable by the agreed number of equal monthly payments. You direct that payments on your credit card will be first allocated to pay the scheduled payments on your plan, regardless of whether you also have any other balances owing on your account. Extra payments can be made at any time.
If you miss two consecutive monthly payments on a plan that is less than 33-month duration, you agree that your plan will change to a minimum monthly plan.
Minimum Monthly Payment Plan
Minimum Monthly Plans give you access to Interest Free for the plan term, provided you pay your credit card minimum payment each month.
No additional payments are required during the plan term and paying the minimum may not clear the plan. Extra payments can be made at any time.
Interest applies after the end of the plan on any outstanding balance.