This article relates to the Latitude Gem Visa credit card. The Latitude Gem Visa has a monthly credit card fee that is currently $10.95.
Latitude Gem Visa Credit Card Rewards Program Overview
How the program works
- Earn 3% back in Latitude Rewards on eligible spend across groceries, dining, food delivery, movie and theatre ticket purchases - after you spend $1,000 or more on general purchases in a statement period. Applicable to eligible Latitude Gem Visa cardholders only.
- 1 Latitude Reward is equal to $1 value. No points conversion is needed.
- Spend from an additional cardholder counts towards your total spend.
- Your account must be open and not in default of the credit contract when the Latitude Rewards are issued.
- You can use your Latitude Rewards balance via the Latitude App or Latitude Service Centre to:
- Redeem eGift Cards or eVouchers from a wide range of participating retailers, restaurants and cinemas. Value typically starts from $10, with higher values available.
- Pay for an item via the eStore.
- You can also earn cashback in Latitude Rewards via the Merchant Offers tab.
Note: Rewards cannot be converted to cash. Latitude Rewards expire 18 months from the date they are issued.
Who is eligible to participate in the rewards program?
If you're approved for a Latitude Gem Visa credit card from 15 October 2025, you'll be automatically enrolled into the program.
If you were approved for a Latitude Gem Visa credit card prior to this date, then you have the option to opt in to this feature of earning 3% back in Latitude Rewards on eligible spend across groceries, dining, food delivery, movie and theatre ticket purchases - after you spend $1,000 or more on general purchases in a statement period, however, please note that other product features will also change.
Please contact us for further information.
How to earn Latitude Rewards
You can earn 3% back in Latitude Rewards on eligible spend across groceries, dining, food delivery, movie and theatre ticket purchases - after you spend $1,000 or more on general purchases in a statement period.
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Example 1: Your total statement period amounts to $1,000 on general purchases
- $500 on grocery (eligible)
- $500 on clothes (not eligible)
- You’ll earn $15 in Latitude Rewards for that statement period (which is 3% on $500 grocery)
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Example 2: Your total statement period amounts to $1,000 on both Interest Free plans and general purchases
- $500 on grocery (eligible)
- $500 on Interest Free plan (not general purchases)
- You won’t earn any Latitude Rewards for that statement period since you have not met the $1,000 spend requirement on general purchases for that statement period.
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Example 3: Your total statement period amounts to $1,000 on general purchases
- $500 grocery (eligible)
- $500 dining out (eligible)
- You’ll earn $30 in Latitude Rewards for that statement period (which is 3% for the total eligible spend of $1000)
For eligible transactions to earn Latitude Rewards, these must be classified under the following Merchant Category Codes:
- Grocery - 5411
- Dining and Food Deliveries - 5462 (Bakeries), 5499 (Specialty Markets), 5812 (Restaurants), 5813 (Bars), 5814 (Fast Food)
- Entertainment - 7832 (Cinemas), 7922 (Theatre)
Card transactions are assigned a Merchant Category Code (MCC) which is a classification standard used by card networks (e.g. Visa or Mastercard) in processing transactions. We are not responsible and have no control over designating these assignments.
What happens when I close my account?
If you have a Latitude Rewards balance in your account at the point of account closure, you have 30 days to redeem the remaining Latitude Rewards before they are forfeited.
How to access the Latitude Rewards Program via the Latitude App or Latitude Service Centre?
You can access the Latitude Rewards Program via the Benefits tab. From there, click Redeem and follow the instructions. This will lead you to the Latitude Rewards homepage where you can explore the following Rewards tabs:
- eGift Cards
- Dining
- Cinema
- eStore
- Merchant Offers
Below is a helpful guide for you to navigate through each one.
eGift Cards, Dining and Cinema
These are reward categories where you can use your Latitude Rewards or pay with your Latitude credit card to purchase eGift Cards or eVouchers from participating retailers. Values typically start at $10, with maximum amounts varying by retailer.
Things to know about eGift Cards
- After purchasing an eGift Card, you can view the eGift Card under My ePurchases once processed. We do send these through immediately however, in some circumstances, this may take up to 72 hours. If not received, contact us.
- You will also receive an order confirmation via email.
- You can check your balance via the participating retailer's website, or by calling the participating retailer’s eGift Card support line. Latitude cannot see the balance remaining on any of your eGift Cards.
- Expiry dates may vary depending on the retailer. You can check the expiration/validity periods by selecting a participating retailer and checking the Validity Period of the eGift Card at the bottom of details.
- You can also directly use your Latitude credit card to pay for your eGift Card.
- eGift Cards are non-refundable and are treated as cash once purchased.
eStore
The eStore is your one-stop shop for a wide range of appliances, furniture, gadgets, homewares, and more.
Things to know about eStore
- You can use your Latitude Rewards, a participating Latitude credit card, or a combination of both to purchase any item within the eStore.
- You’ll receive a dispatch email with your tracking number once your order is dispatched and is on the way.
- Delivery considerations:
- eStore purchases are delivered directly to your nominated address (no PO Boxes).
- Standard delivery is 5 - 15 business days, subject to stock levels and your location.
- Signature is required on delivery. Authority to Leave is not available.
- Some gated communities or secured buildings may not be serviceable.
What if I’m not home?
If no one is available to sign, the driver will leave a collection card with instructions to pick up your item (e.g., from your nearest post office or collection point). Bring photo ID when collecting your item.
What if my order doesn’t arrive?
If your order hasn’t arrived by the expected date, check your tracking details for updates by using the tracking number in the dispatch email. If you are still having issues, contact us and we’ll work with the supplier to investigate.
Can I return an item if I change my mind?
No. Change-of-mind returns aren’t accepted. Returns are only available for damaged or faulty items. For full details, see the Terms & Conditions in the Latitude Rewards Portal via the Settings icon).
Can I change or cancel my order?
Once an order is confirmed, changes aren’t always possible. Contact us as soon as you can - we’ll do our best if the item hasn’t been dispatched yet.
What should I do if I receive damaged or faulty items?
If the package looks damaged on delivery, refuse delivery so it can be returned to the supplier immediately.
If you realise it’s damaged or faulty after receiving it, contact us within 14 days of receiving the item. Please have the following ready so we can help quickly:
- Order number
- Purchase date
- Delivery date
- Product name
- Description of issue (faulty/damaged)
Note: Replacement and return policies are determined by our retail partners and may vary by brand.
Do items come with a warranty?
Most products include a manufacturer’s warranty but this varies by brand. Warranty details are usually included in the product packaging and are also available on the manufacturer’s website.
I didn’t receive my order confirmation - what should I do?
- Allow up to 72 hours for the confirmation email.
- Check your Spam/Junk folder and verify your email address in the Portal.
- If you still can’t find it, contact us so we can help.
Merchant Offers
Merchant Offers are special deals available through selected retail partners. When you shop via the Merchant Offers tab, you can earn cashback in Latitude Rewards. It’s another way to boost your rewards balance while shopping with participating merchants.
Things to know about Merchant Offers
- Through the Merchant Offers, you will be directed to the partner’s online store to complete your purchase.
- Cashback in Latitude Rewards is based on the offer available at the time of purchase.
- Your cashback in Latitude Rewards can take up to 120 days to appear in your Latitude Rewards balance.
- All merchants have their own terms & exclusions which you should read before making a purchase.
- Cashback cannot be exchanged for a credit into your account and must be redeemed within the Latitude Rewards platform.
- If you close your participating Latitude credit card, any pending cashback offers not yet processed will be forfeited.
Need More Info?
To find out more, visit the Latitude Gem Visa Rewards page and refer to the Latitude Gem Visa Rewards Program Terms and Conditions.