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Spread the cost of everyday spending like groceries and dining with 6 months Interest Free on purchases over $250. Plus, enjoy 6–60 months Interest Free plans at hundreds of retailers on furniture, electronics, and more. Shop smarter, keep your cash where it counts.
Additional features and benefits
Flexible payment options
Pay your way with equal or minimum monthly payment options on our Interest Free plans. Learn more
Pay your Interest Free plan early with no penalties
Digital wallet compatible
Leave your wallet at home with Apple Pay and Google Pay integration for easy, secure payments.
Around the clock protection
Our specialist team protects your personal and financial information from fraud and identity theft. Learn more about how we protect you.
Up to 55 days interest free1 period
On everyday purchases under $250.
0%
for 6 months on everyday purchases $250 and over
0%
on Interest Free Payment Plans
0%
up to 55 days interest free1 on everyday purchases
27.99%p.a.
interest rate on everyday purchases
$10.95
monthly credit card fee
Let's do this.
- Apply online
You can check your eligibility and apply in 10 minutes. - Wait a minute
60 seconds is all it takes for us to respond to your application. - Ready, set, shop
Set up your card in your digital wallet and start shopping today!
Eligibility
- Over 18 years of age
- A resident of Australia or a temporary resident who legally has the right to work in Australia (and intend to stay) for at least the next 12 months.
- Your driver's licence, passport or Medicare card
- Details of your income, living expenses & debts
Add another star to your accommodation!
Payment Options
Latitude App
Make repayments in just a few taps with our mobile app.
- Get the app
Simply download the Latitude App from the App Store or Google Play
- Create a Latitude ID
Open the app and create your Latitude ID (this is different to your Online Service Centre login).
- Link your card
Once your credit cards are linked, you’ll be able to make payments via bank transfer with your BSB and Account Number (Australia only).
Note: Please be aware that bank transfer payments can take three business days to clear and you can only make one payment to your card account every five days.
We do not charge a fee for payments made via direct bank transfer on the Latitude App.
Still looking for other options? Explore our other credit cards
Latitude Low Rate Mastercard
Low rate.High rewards.
$300 credit back offer OR 0% for 18 months on balance transfer
- Get 3% back in Latitude Rewards when you set up recurring payments direct with participating providers
- 13.99% p.a. purchase rate
- $69 annual credit card fee
Latitude GO Mastercard
Break up your bigger buys and enjoy more time to pay.
$300 credit back offer
- 6–60 months Interest Free plans at Harvey Norman and other retailers
- 27.99% p.a. purchase rate
- $10.95 monthly credit card fee
Latitude 28° Global Platinum Mastercard
Travel better and shop confidently.
- $0 international transaction fee on purchases overseas or online
- 27.99% p.a. purchase rate
- $8 monthly credit card fee
All offers are subject to T&Cs.
Get the Latitude App.
Digital wallets
You can pay any way on your phone or wearable tech device with just a tap.
Important information
Visa and the Visa brand are registered trademarks of Visa International.
1To take advantage of up to 55 days interest free on everyday credit card purchases, you need to pay the full closing balance (excluding un-expiring 0% Interest Payment Plans) on each statement of account by the applicable due date.
2Excludes long-term Interest Free payment plans. Other exclusions, T&Cs, card fee & other charges apply. Limited to new and approved Latitude Gem Visa applicants only. Limited to one offer per applicant. To qualify for $200 credit back, you must be approved and fulfil on the terms of the offer by spending $1,000 or more each month on everyday purchases for 3 consecutive months from the date of approval. The $200 credit will be applied within 60 days of meeting the spend criteria. Offer ends 28 February 2025. Latitude may vary, extend or withdraw this offer at any time without notice. Everyday purchases do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Long term Interest Free plan(s), interest and balance transfers into an account. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. The account must be open and not in default of the credit contract when the credit is applied.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
3Interest Free payment plans may vary depending on the promotional type, interest free promotional term and promotion conditions. T&C's, fees, charges, and product exclusions apply. Amount payable will be shown on your monthly statement.
4Offer may be withdrawn, Exclusions and T&Cs apply.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.
® Registered to BPAY Pty Ltd ABN 69 079 137 518