Need more time to pay?
It's possible with an Interest Free Plan on a participating Latitude credit card
What makes Latitude Interest Free Plans different?
Our long-term payment plans let you break your bigger purchases into flexible monthly repayments.
Getting started
Check your eligibility and apply here or in-store.
Choose your plan
Select a repayment schedule to suit your needs, then activate your card in the Latitude App.
Rapid-fire reply
We get back to you in 60 seconds so you can complete your purchase there and then.
Complete your purchase
All you need is your Latitude account number and your mobile phone on hand for verification.
How Interest Free payment plans work
Minimum Monthly Plan
- Available provided you pay your credit card minimum payment each month.
- Gives you flexibility to add extra when possible.
- Paying only the minimum monthly payment will not pay out the plan.
- 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).
Available on:
The right plan for you
Interest Free plan*
Minimum purchase $250
Paying only the minimum monthly payments will not pay out the plan.
Minimum Monthly Payment Plan
Terms and conditions
Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. 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. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card.
Interest Free plan*
Minimum purchase $400
Paying only the minimum monthly payments will not pay out the plan.
Minimum Monthly Payment Plan
Terms and conditions
Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. 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. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card.
Interest Free plan*
Minimum purchase $600
Paying only the minimum monthly payments will not pay out the plan.
Minimum Monthly Payment Plan
Terms and conditions
Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. 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. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card.
Interest Free plan*
Minimum purchase $800
Paying only the minimum monthly payments will not pay out the plan.
Minimum Monthly Payment Plan
Terms and conditions
Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. 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. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card.
Interest Free plan*
Minimum purchase $1100
Paying only the minimum monthly payments will not pay out the plan.
Minimum Monthly Payment Plan
Terms and conditions
Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. 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. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card.
Important Information
*Approved customers only using a Minimum Monthly Payment Plan. Minimum monthly payments required. Exclusions may apply. Monthly credit card fee applies, currently $11.95 (subject to change).
Minimum spend applies to different plan terms: $250 for 6 months, $400 for 12 months, $600 for 18 months, $800 for 24 months and $1100 for 36 months. Paying only the minimum monthly payments will not pay out the plan. 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.
Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Visa and the Visa brand are registered trademarks of Visa International.
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Interest Free Plan FAQs
Only available on a participating Latitude credit card
What is a Latitude Interest Free Plan?
A Latitude Interest Free Plan is a payment option that allows cardholders of the participating Latitude credit cards to make purchases and pay them off over time without paying any interest as long as they meet the plan's terms & conditions. Plans range from 6 to 60 months.
How does a Latitude Interest Free Plan work?
A Latitude Interest Free Plan is available on a Latitude Gem Visa or Latitude GO Mastercard credit card. There are three different types of Latitude Interest Free plans available: Minimum Monthly, Equal Monthly, and Deferred. 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).
How much can I borrow with a Latitude Gem Visa credit card?
Approved credit limit will depend on your financial situation. The minimum credit limit for Latitude Gem Visa is $1,000 and a monthly credit card fee applies, currently $11.95 (subject to change). Other credit card fees and charges may apply.
What can I buy on a Latitude Interest Free plan?
If you are a cardholder of the Latitude Gem Visa or the Latitude GO Mastercard credit card, you can buy a wide range of products on a Latitude Interest Free plan. Look for the Latitude logo when browsing online or in-store to confirm eligibility. A minimum purchase amount applies, and some exclusions may apply.
How do I pay off my Latitude Interest Free plan?
You will receive a monthly statement that outlines the payment required, and the available payment options, including bank transfer, direct debit, and BPAY®.
How do I manage my Latitude Interest Free payment plan?
You can manage your credit card account from the Latitude Mobile App or the Latitude Service Centre. The Latitude App is available for download from the App Store or Google Play.
*Approved customers only using a Minimum Monthly Payment Plan. Monthly credit card fee applies, currently $11.95 (subject to change). Paying only the minimum monthly payments will not pay out the plan. 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. Latitude Credit Card General Terms and Conditions set out the T&Cs for the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145. Offer ends 26/08/2026.