Your Guide to Receive 6 Months Interest Free on $250+ Purchases within 30 Days

This article relates to the Latitude GO Mastercard and Latitude Gem Visa credit cards. These credit cards have a monthly credit card fee that is currently $10.95.

How to set up the 6 Months Interest Free

1. Spend $250 or more on general purchases in a single transaction using your Latitude Gem Visa credit card or Latitude GO Platinum Mastercard credit card.
2. Wait for the transaction to post. Login via the Latitude App or Latitude Service Centre and click on your card to view the account details.
3. Under the Transactions tab or via My Plan, if you are eligible, you’ll see the Enjoy 6 months Interest Free banner. Click Create a plan. You must select your purchase within 30 days of the purchase date.
4. Continue with the 2-step process to create an Interest Free payment plan.
   • You’ll need to repeat these steps each time you want to add a new eligible purchase to a plan.
   • If you add multiple eligible purchases in the same statement period, they’ll be grouped into a single 6-month Interest Free balance for the period.

Things You Need to Know

1. Viewing your current 6 Months Interest Free balances: You can view your active plans in:
   • The Latitude App or Latitude Service Centre under the My Plans tab
   • Your statement under the Interest Free section
2. Minimum Monthly Payments: You’ll still need to make your minimum monthly credit card payment as displayed on your statement. 
   Important: Only making your minimum monthly credit card payment may not fully pay the balance of your 6 Months Interest Free before it expires. Any remaining amount at expiry will be charged interest at the standard general Purchase Rate. Refer to your account statement for more information.
3. Purchases not yet on 6 Months Interest Free: If you've made an eligible purchase that hasn't yet been added to a 6 Months Interest Free plan and you have a direct debit in place for Full or Modified Closing Balance, the purchase might be included in your upcoming payment. To setup a 6 Months Interest Free plan for this purchase:
   • Review your statement to confirm whether the purchase amount is included in your Modified Closing Balance.
   • If it is, promptly set up the 6 Months Interest Free payment plan through the Latitude App or Latitude Service Centre.
   • Once the plan is successfully converted (allow one business day), call us so we can adjust your direct debit amount accordingly.
4. Payments, Credits or Refunds: Any payments, credits or refunds can reduce your overall general purchase balance. This may not allow you to receive the 6 Month Interest Free on the total general purchase amount you previously selected.

Having Trouble with the 6 Months Interest Free Feature

1. Can’t see this feature on the app: Check the following first:
   • Your Latitude Gem Visa or Latitude GO Platinum Mastercard is active and linked to your Latitude App.
   • Your Latitude App is the latest version.
   • Latitude Gem Visa customers: This feature only applies to accounts approved on or after 15 October 2025 or if you have agreed to vary your terms.
   • If everything looks correct and the feature still isn’t showing, contact us for support.
2. Can’t see eligible purchases in the app? This can happen if:
   • You haven’t made a $250 or more on general purchase in the last 30 days.
   • The transaction is still pending – you’ll need to wait until it’s posted.
3. Experience any other problem? Please contact us so we can take a closer look and help resolve it.