Latitude Gem Visa managing your account

Managing Your Account

Everything you need to know about managing your account.

FormsShow more

Below is a list of useful forms and brochures. To print and complete the forms, you’ll require Adobe Acrobat Reader installed on your computer. You can obtain a free copy from

Download Adobe Reader

Online Access to Your Account Show more

Access your account anywhere, anytime with our Online Service Centre.

Registering for the Online Service Centre is simple and lets you:

  • Manage your account and update your details
  • Access your statements anywhere and anytime
  • View your transactions instantly
How do I change my contact details?

There are many ways you can update your contact details. The easiest is via the Online Service Centre.

Register for the Online Service Centre today

It only takes a few minutes. Just make sure you have your mobile phone on hand. If not, please have your card plus a recent statement with you to help answer some questions.

Register now

Activate your CardShow more

How do I activate my card?

To activate your credit card call us on 1300 630 977 and follow the prompts. Don't forget to sign your card immediately

Why do I have to activate my credit card?

For security reasons, cards are sent to you inactive. Activating the card validates that it’s been received by you.

Personalise your PINShow more

Personalise your PIN to something more memorable by calling 1300 559 082.

Credit LimitsShow more

Your Latitude Gem Visa credit limit

Your credit limit and available credit limit can be found on the top right corner of your monthly Latitude Gem Visa statement or you can log on to the Online Service Centre to check it any time.
You can use the Reduce Credit Limit Form to request a credit limit reduction.

Your Latitude Gem Visa cash limit

It’s important to note that your Latitude Gem Visa credit limit can be different from your cash credit limit. The amount of available credit you can access as cash can be found on the top right corner of your monthly Latitude Gem Visa statement or you can log on to the Online Service Centre to check it any time.

Additional cardholdersShow more

To share the benefits of Latitude Gem Visa with a family member or loved one, add an additional cardholder using our online application form.

Payment OptionsShow more

Choose the most convenient way to make your repayments:

Direct debit

Never miss a payment; pay your Latitude Gem Visa automatically from your savings or cheque account. Never miss a payment. Call us on 1300 630 977 to set up your Direct Debit over the phone or download a Direct Debit request form.


Make payments electronically using your bank's phone or internet banking service. BPAY is available 24 hours a day, 7 days a week. To make a payment, quote the Latitude Gem Visa Biller Code (154799), your account number and the amount you wish to pay. A payment handling fee of 95 cents applies to each BPAY payment made to your account.

Please note you can use the biller code & your card number as the Customer Reference Number (CRN) to make your first payment.

Payments are processed during business hours, so make sure you complete your transaction before your bank's cut-off time or the due date.

Online Service Centre

The quickest and easiest way to make repayments. Simply log into the Online Service Centre, click ‘Pay My Account’ and enter your bank details. Registering is easy and only takes a few minutes, just make sure you have your card or 16-digital account number on hand.

Australia Post

Simply take your statement and pay at any Post Office. A payment handling fee of $2.50 applies to each transaction.

Understanding your statementShow more

As a Latitude Gem Visa customer, you'll receive a monthly statement (if you have activity on your account). If you have a paper statement delivered by mail you'll be charged a paper statement fee every month. To opt out of paper statements and avoid a fee, register or login into the Online Service Centre, and follow the instructions under 'Statements'.

Each statement outlines your transactions over the last month and the minimum monthly payment required by a due date.

The minimum monthly payment is 3% of the total outstanding balance, or $25, whichever is greater, plus any installment payments due in the statement period. Your statement will also ask you to pay any overdue or over-limit amounts. If you have any questions regarding your statement, please call our Customer Solutions team on 1300 630 977.

Manage the amount of future interest you payShow more

Payment to Reduce Future Interest

It's now easier than ever to manage your interest free purchases. We've designed your statement to be as simple as possible, outlining the information you need to easily keep track of your interest free and buy now pay later purchases, including a Payment to Reduce Future Interest amount.

The 'Payment to Reduce Future Interest' amount tells you how much you might like to pay that month, to reduce the amount of interest you're charged in the future, or in some cases, avoid interest altogether.

It includes any amounts due, all of your everyday purchases, cash advances and balance transfers, plus the balance of any 0% interest purchases that are about to expire.

How to make an insurance claimShow more

We believe that making an insurance claim should be straight forward and hassle-free. You can make a claim online for some of the cover types, complete a form and send it in or call us on 1800 800 230.

Find out your options for claiming on Shoppers's Protection cover below.

Merchandise Protection

Stolen Card benefit

Involuntary Unemployment


Collate your evidence and send your claim by:

Secure Document Upload

GPO Box 1571
Sydney NSW 1025

1300 362 642

Sending in a claim?

Completed claim forms can be sent via


GPO Box 1571
Sydney NSW 1025


1300 362 642

Call to discuss a claim

Speak to a member of our team by calling us on 1800 800 230

Mon - Fri, between 8:30am to 5pm (AEST)

SecurityShow more

How can I help protect myself from fraud?
  • Always sign your card as soon as you receive it and know where your card is at all times
  • Select a PIN that's easily remembered only to you and never write it down
  • Regularly check your account statements to ensure there are no unauthorised transactions present
  • Never use an EFTPOS Terminal or ATM if you believe it has been tampaered with
  • Ensure your contact details remain up to date with us
  • If you card expire or you do not wish to keep it, cut through the signature panel and magnetic strip before disposing
  • Always keep your card in your possession/sight