How do I dispute an unauthorised transaction on my Latitude Financial card?

Each Latitude Financial card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Latitude Financial directly, every Latitude Financial card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Latitude Financial's own T&C document.

How current is the information on this page?

Every card fact on this page is sourced from Latitude Financial's official Conditions of Use PDFs. The most recent ingestion was on 21 May 2026. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.

Where does this information come from?

Every figure on this page is traceable to Latitude Financial's publicly published Conditions of Use document. We download the PDF, hash it with SHA-256, extract the markdown content, and run a structured-data extractor (49-field schema) to capture annual fees, interest rates, fee schedules, dispute rights, and eligibility criteria. The source URL for each fact is reachable via the small green chip next to each value. 1 of 2 Latitude Financial cards currently have their T&C ingested.

What rewards programs does Latitude Financial offer on credit cards?

1 of Latitude Financial's credit cards run a rewards mechanic. We publish each card's earn-rate summary verbatim in the "Rewards mechanics" section below — direct quotes from Latitude Financial's T&C so you can read the actual rules rather than a paraphrased summary.

Is "best Latitude Financial credit card" advice on this page?

No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.

What rights does the Credit Contracts and Consumer Finance Act (CCCFA) give me?

The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Latitude Financial T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).

How does Latitude Financial compare with other NZ credit-card issuers?

See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Latitude Financial cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

Latitude Financial Credit Cards

Latitude Financial Services Limited (FSP 50601) — operates Gem Visa and Q Mastercard in New Zealand. Long-term interest-free finance card portfolio acquired from GE Money in 2018. Gem Visa Conditions of Use ingested verbatim — Q Mastercard T&C ingest blocked by 36-month freshness cap (public document dated 2018-11-05). Re-ingest scheduled.

Cards

2 active

Annual fee

—

Purchase APR

—

T&C ingested

1/2

Last verified

21 May 2026

📋 Provenance promise

Every fact on this page is sourced from Latitude Financial's official Conditions of Use PDFs (SHA-256 hashed, 36-month freshness cap). Green chip A = verbatim from T&C. Blue B = issuer website. Amber C = editorial registry, T&C ingest pending. JSON facts API →

Side-by-side comparison — all Latitude Financial cards

Updated May 2026. Source-tier badge next to each value links to the original T&C PDF or issuer rates page. Empty cells mean the figure isn't in the ingested T&C — see the per-card sections below for the verbatim quote.

Card	Annual fee	Purchase APR	Cash advance APR	BT promo APR	BT months	Interest-free days	FX fee	Late fee	Min repayment	Supplementary fee	Replacement fee	Min income
Gem Visa Visa	—	—	—	—	—	—	—	—	3%	—	—	—
Q Mastercard Mastercard	—	—	—	—	—	—	—	—	—	—	—	—

Every Latitude Financial card — deep dive

Each card with its full fact set; T&C-linked. Tap "View full T&C" to read the verbatim markdown.

Gem Visa

Visa · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —
Rewards mechanic (verbatim): No rewards program described in this document.

Full Gem Visa review → View verbatim T&C markdown →

Q Mastercard

Mastercard · active

Ingest pending

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full Q Mastercard review →

Application requirements — verbatim from Latitude Financial

Direct from each card's Conditions of Use. We don't paraphrase eligibility criteria; you read the rule Latitude Financial actually applies.

Fees + interest, verbatim from each T&C

No paraphrasing — direct quotes from Latitude Financial's Conditions of Use documents. Most NZ comparator sites publish summarised figures; we publish the actual clauses.

Gem Visa

Interest-free period rulesA

"If the full balance of all retail purchases listed in the current statement period is paid in full by the payment due date shown in that statement, no interest will be charged on those retail purchases. If the full balance is not paid by this date, interest at the current prevailing interest rate will be charged on retail purchases from the transaction date."

Cash advance fee carve-outsA

"Cash equivalent transactions include the purchase of travellers cheques; any transaction in the nature of a wager, gaming, gambling transaction or game of chance; the purchase of, or loading of value onto, a pre-paid or stored-value card; any other transactions (including Cryptocurrency transactions) that we notify you will be treated as cash equivalent transactions; or any transactions which a merchant or card scheme identifies as a cash advance."

Rewards mechanics — direct from each T&C

Earn-rate and partner-program rules. Quoted directly from Latitude Financial's Conditions of Use — no marketing-page paraphrase.

Gem Visa

Rewards mechanicA

"No rewards program described in this document."

Partner programsA

Your dispute + chargeback rights

What happens if a transaction is wrong, your card is stolen, or you can't resolve a dispute with Latitude Financial. Verbatim from each card's Conditions of Use — the actual rules, not a summary.

Gem Visa

Chargeback window: 30 daysA
External dispute scheme: otherA
Lost-card liability cap: $50A
Unauthorised transaction rulesA: "Once you have notified us that your card or PIN has been lost, stolen or you suspect unauthorised transactions have been made on your account, then provided you have not acted fraudulently or negligently, you will not be held responsible for any unauthorised transactions that take place after that time. You will be liable to pay a maximum of $50 of any loss that occurs before you notify us. However the $50 limit will not apply if you have acted fraudulently or negligently, disclosed your PIN to another person or allowed them to use your card, selected an unsuitable PIN, failed to safeguard your card, unreasonably delayed telling us that your card has been lost, stolen or misused and/or your PIN has become known to someone else, or failed to comply with your credit contract."
CCCFA responsible-lending summaryA: "You are protected by responsible lending laws. Because of these protections, the recommendations given to you by us about personal loans, credit cards and any credit related insurance products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations."

If Latitude Financial can't resolve your dispute: contact the external dispute scheme listed on your card (typically the Banking Ombudsman Scheme) — free for consumers. CCCFA breaches can be reported to the Commerce Commission. Free budgeting help: FinCap 0800 345 123.

Frequently Asked Questions

: Each Latitude Financial card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Latitude Financial directly, every Latitude Financial card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Latitude Financial's own T&C document.
: Every card fact on this page is sourced from Latitude Financial's official Conditions of Use PDFs. The most recent ingestion was on 21 May 2026. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.
: Every figure on this page is traceable to Latitude Financial's publicly published Conditions of Use document. We download the PDF, hash it with SHA-256, extract the markdown content, and run a structured-data extractor (49-field schema) to capture annual fees, interest rates, fee schedules, dispute rights, and eligibility criteria. The source URL for each fact is reachable via the small green chip next to each value. 1 of 2 Latitude Financial cards currently have their T&C ingested.
: 1 of Latitude Financial's credit cards run a rewards mechanic. We publish each card's earn-rate summary verbatim in the "Rewards mechanics" section below — direct quotes from Latitude Financial's T&C so you can read the actual rules rather than a paraphrased summary.
: No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.
: The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Latitude Financial T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).
: See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Latitude Financial cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

How we keep this page current

Source: Latitude Financial's official Conditions of Use PDFs (downloaded with browser user agent — NZ bank CDNs reject bot UAs).
Hash: Every ingested PDF gets a SHA-256 hash so we can detect document-level changes between versions.
Extract: Haiku 4.5 produces verbatim markdown; Sonnet 4.6 extracts a 49-field structured fact set against a Zod schema.
Freshness cap: 36 months on source-document date — any fact older than that is automatically excluded from the page.
Provenance: Every cell on this page links to the source PDF (or issuer page) for that specific fact.
Open data: See /api/issuer/latitude/facts.json for the structured fact dump, or /api/card/gem-visa/wording.md for a verbatim T&C example.

Compliance + scope

This page publishes facts, not advice. We don't claim any card is "best" without disclosed methodology, and we don't carry CCCFA-prohibited marketing language ("guaranteed approval", "lowest rate", "no credit check", "anyone can qualify"). For one-on-one advice, see a licensed Financial Advice Provider — we are not a FAP.

Rewards program names are trademarks of their respective owners (Airpoints® Air New Zealand, True Rewards® ANZ, Hotpoints® Westpac, Fly Buys® Loyalty New Zealand).

Visit Latitude Financial's credit card page →