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New here? Pick an application offer that works best for you.
Get up to $300 in bonus Latitude Rewards3
When you spend $1,000 or more on eligible transactions every statement period in your first 6 months from approval. T&Cs apply.
Get 0% for 18 months on balance transfers4
3% balance transfer fee applies. T&Cs apply.
Welcome to the home of Latitude Rewards!
A low rate rewards card? That’s rare. Enjoy amazing offers and discounts designed to make every dollar go further.
0%
on purchases up to 55 days*
13.99%
purchase rate
$69
credit card fee charged annually
$0
additional cardholder fee
Cash Advance Rate
29.99% p.a.
Balance Transfer Rate
The Cash Advance Rate applies unless a specific balance transfer rate is subsequently offered
Late payment fee
$45
Cash advance fee
Greater of $4 or 3.5% of the cash advance amount
International transaction fee
3.00% of the Australian dollar value of the international transaction
International ATM fee
$4.00, on top of cash advance fee
International over the counter fee
$5.00, on top of cash advance fee
Balance transfer fee
Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer
Paper statement fee
$5.00. You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre.
Payment handling fees
$0 when you pay via the Latitude App, Latitude Service Centre, or direct debit.
$1.95 (online using BPAY®).
$3.95 (in person at Australia Post).
Credit balance processing fee
The fee amount will be the lesser of your balance or $19.99
Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
Latitude Credit Card General Terms and Conditions
Latitude Low Rate Mastercard Key Facts Sheet
Latitude Rewards Program Terms and Conditions
Latitude Low Rate Mastercard Purchase Protection Insurance Terms and Conditions
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 Latitude 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.
How to apply
- 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
Simply activate your card when it arrives to start shopping.
Eligibility
- Be 18 years or over
- Be a permanent Australian resident
- A copy of your driver's licence, passport or proof of age
- Details of your income, assets and debts
- Employer's name and contact details
Which Latitude credit card is right for you?
Important information
* To take advantage of up to 55 days Interest Free on everyday credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.
1 Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. You can use this amount to select an e-gift card via the Latitude App and Latitude Service Centre.
Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are directly setup as recurring payments with participating merchants under the following merchant categories codes (MCC):
- Utilities (Electricity, Gas, Water) - 4900
- Telco Services – 4812 and 4814
- Streaming Services – 4899, 5735, and 5815
Exclusions to eligible transactions apply.
Merchant categories are determined by a merchant’s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You’re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like.
The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Rewards Terms and Conditions.
2 Purchase Protection Insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686, Level 19, 2 Park Street, Sydney NSW 2000 ( AIG ) under a group policy of insurance issued to Mastercard. In arranging the insurance Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751. Eligible Persons who can access the complimentary Purchase Protection Insurance are the current holders of the relevant Latitude Low Rate Mastercard, which entitles them to these purchase protection insurance benefits. It is important you read your Latitude Low Rate Mastercard Purchase Protection Insurance Terms and Conditions. Eligible persons can claim as third party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984. Conditions and Exclusions apply to this insurance coverage as set out in the group policy and any insurance document provided to the eligible persons and which both may be amended from time to time. Neither Latitude Finance Australia nor Mastercard guarantees this insurance and do not hold an Australian Financial Services Licence. View full terms and conditions.
3 Up to $300 in Latitude Rewards offer is available to new and approved Latitude Low Rate Mastercard customers from 20 November 2024 to 28 February 2025 and is limited to one offer per customer. Customer must choose the offer to be eligible. $50 Latitude Rewards will be credited to a customer’s Latitude Rewards balance every statement period when they spend $1,000 or more on eligible transactions in the first 6 months from card approval. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. The account must be open and not in default of the credit contract when the redeemable amount is issued. The $50 Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 60 days of meeting the spend criteria. The primary cardholder has up to 18 months to redeem from the date of issue. We reserve the right to close or vary this offer at any time.
4 Balance transfer applies to eligible customer's Australian non-Latitude credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your Latitude Low Rate Mastercard credit card credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the promotional period. If there is an outstanding balance after the promotional period, interest will be charged at the cash annual percentage rate, currently 29.99% (subject to change). A once-off balance transfer fee of 3% applies to the amount being transferred. This will be charged to your Latitude Low Rate Mastercard credit card account when the balance transfer is processed.
New customers only and must be approved from 20 November 2024 to 28 February 2025. We reserve the right to close or vary this offer at any time.
Latitude General Terms and Conditions set out the T&Cs of the Latitude Low Rate Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
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