What makes Latitude Interest Free different?

Our long-term payment plans let you break your bigger purchases into flexible monthly repayments.

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    Getting started

    Check your eligibility and apply here or in-store.

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    Rapid-fire reply

    We get back to you in 60 seconds so you can complete your purchase there and then.

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    Choose your plan

    Select a repayment schedule to suit you, then activate your card in the Latitude App.

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    Complete your purchase

    All you need is your Latitude account number and your mobile phone on hand for verification.

  • New to Latitude?

    Apply for a Latitude Gem Visa credit card now.

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  • Already have a participating Latitude credit card?

    Shop today with your card or account number at the checkout process.

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How Interest Free payment plans work
  • Pay extra anytime
    Minimum Monthly Plan
    • Available provided you pay your credit card minimum payment each month.
    • Gives you flexibility to add extra when possible.
    • Paying this way may not clear the plan within your plan period.
    • Interest applies on any outstanding balance at the end of your plan period.

    Available on:

    - Latitude Gem Visa credit card

    - Latitude GO Mastercard credit card

The right plan for you

  • 6 Months Interest Free Plan*

    Minimum Spend $250.00

    In-store and online

  • 12 Months Interest Free Plan*

    Minimum Spend $1,000

    In-store and online

  • 24 Months Interest Free Plan*

    Minimum Spend $2,000

    In-store and online

  • 36 Months Interest Free Plan*

    Minimum Spend $2,000

    In-store and online

  • 48 Months Interest Free Plan*

    Minimum Spend $3,000

    In-store and online

  • 60 Months Interest Free Plan*

    Minimum Spend $3,000

    In-store and online

Terms and Conditions

  • Approved customers only using a Minimum Monthly Payment Plan. Minimum monthly payments required. Exclusions may apply. Monthly credit card fee applies, currently $10.95 (subject to change). Minimum spend applies to different plan term(s): minimum spend $250 for 6 months, $1,000 for 12 months, $2,000 for 24 and 36 months and $3,000 for 48 and 60 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.
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Interest Free Plan FAQs

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.

Currently Beds R Us offer Minimum Monthly (Interest Free) Plans.


Minimum Monthly (Interest Free)
A Minimum Monthly Payment Plan requires a customer to pay a minimum payment each month as specified in their statement. Customers have flexibility to make extra payments at any time with no penalties.

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 the payment is missed, late fees will apply, and interest may apply. Interest may also be charged on other purchases and transactions made on their Latitude credit card.

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 (currently $10.95) will apply. 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 minimum 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.