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28° Global®
28º Global Platinum Mastercard
$0 annual card fee in your first year*
Take your credit journey further with a $0 annual fee in your first year (normally $96) and $0 international transaction fees. Also, get your annual fee waived each year by spending $12k on eligible purchases annually. New customers only.
T&Cs, annual credit card fee (normally $96), and other charges apply.
Limited time offer
Get up to $500 in Latitude Rewards
Get a bonus $260 in Latitude Rewards when you spend $2,000 or more each month for your first 3 months. New customers only, approved by 30 April 2026. Plus, get ongoing Latitude Rewards: Up to $240 each year when you spend $1,000 or more on eligible international and local purchases each month.
T&Cs and other charges apply.
First year $0 annual fee
Plus, spend $12k yearly on eligible purchases to have your fee waived year after year6.Use our spend Tracker
A card without borders
Whether you're shopping online or abroad, you'll enjoy a $0 international transaction fee & great exchange rates.
Live your best (rewards) life
Earn $10 in Rewards each month when you spend $1,000 on eligible purchases1. That's up to $120 per year! T&Cs apply.
Double your Latitude Rewards
New customers earn an extra $10 in Rewards, when they spend the equivalent of AUD $1,000 per month on international purchases1.
Unmissable every day and travel offers
Enjoy a range of credit back offers, discounts and deals from big brands at home and abroad, like Mastercard Priceless Specials,Expedia and Wotif. Learn More
Up to 55 days interest free period#
Extensive Rewards catalogue
From grocery and everyday offers and discounts, through to dining, cinema entertainment and other unique experiences.Learn More
$0 additional card holder fee
Share all the features and benefits without needing to open a second account. Learn More
Complimentary protection for your shopping
Shop with confidence online and overseas with complimentary E-Commerce3 and Purchase Protection insurance2. Learn More
Top-rated app to complement your card
With a 4.8/5 App Store rating, the Latitude App helps you stay on top of payments and never miss a due date.
Free Flight Delay Pass & Global Data Roaming
Access to a selection of airport lounges if your flight is delayed 2+ hours4. Stay in touch with 3GB free global data each year & 15% off any extra data purchased in 150+ countries. T&Cs apply.
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.
Great foreign exchange rates
Set by our partners at Mastercard. So you get foreign currencies at the same rate we do.
Payment Options
Latitude App
Make repayments in just a few taps with our mobile 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 and reaping the rewards.
Eligibility
You must:
Be 18 years or over
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.
Able to supply
A copy of your driver's licence, passport or proof of age card
Details of your income, assets and debts
Employer's name and contact details
Download the Latitude credit card app
Still looking for other options? Explore our other credit cards
Latitude Low Rate Mastercard
Low rate.High rewards.
Limited time offer
0% p.a. for 24 months on a Balance Transfer. (3% fee applies)
13.99% p.a. purchase rate
$69 annual credit card fee
Get 3% back in Latitude Rewards when you set up recurring payments direct with participating providers
Latitude GO Mastercard
Break up your bigger buys and enjoy more time to pay.
Available now
$300 credit back when you spend $1500 per month on general purchases in your first 4 months from approval
Up to 55 days interest free on general purchases
28.49% p.a. purchase rate
$10.95 monthly credit card fee
Latitude Gem Visa
Your go-to shopping card for Interest Free plans, Latitude Rewards and so much more!
Limited time offer
Redeem Latitude Rewards for eGift cards
0% interest for 6 months on everyday purchases of $250 or more when you select your purchases in the Latitude App within 30 days.
Earn 3% back in Latitude Rewards7 on eligible spend across groceries, dining, food delivery, movie and theatre ticket purchases - after you spend $1000 or more on general purchases in a statement period. T&Cs apply.
28.49% p.a. purchase rate
$10.95 monthly credit card fee
All offers are subject to T&Cs.
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 Latitude 28° Global Platinum Mastercard cardholders will be eligible for a $10 Latitude Reward every statement period which is redeemable for an e-gift card from participating retailers when they spend $1,000 or more on eligible transactions using their credit card within the statement period. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Shopper's Protection premiums, interest and balance transfers into an account. The account must be open and not in default of the credit contract when the Latitude Rewards is issued. 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 full 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 28° Global Platinum Mastercard which entitles them to these purchase protection insurance benefits. It is important you read your Latitude 28° Global Platinum 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 E-Commerce 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 E-Commerce Purchase Protection Insurance are the current holder of the relevant Latitude 28° Global Platinum Mastercard which entitles them to these e-commerce purchase protection insurance benefits. It is important you read your Latitude 28° Global Platinum Mastercard E-Commerce 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.
4 The Flight Delay Pass gives free access to select airport lounges, alternatively cardholders can use their Flight Delay Pass to offset a dollar amount off the total bill at select dining options. This will vary based on location and affiliated LoungeKey Partners at the time. Please note that not all airports offer Flight Delay Pass and the selected airports may be restricted to certain terminals. Access to and use of the Flight Delay Pass is subject to the Terms of Use which are subject to change. Further details of the list of lounges that cardholders are eligible to visit and the specific conditions applicable to each lounge access (Conditions of Use) may also be accessed in the Terms of Use. Participating lounges and their Conditions of Use are subject to change.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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.
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
5$300 Latitude Reward is available to new and approved applicants by 28 May 2025 who apply for a Latitude 28° Global Platinum Mastercard and is limited to one offer per applicant. To qualify, you must be approved and fulfil on the terms of the offer by spending $1,000 or more on eligible transactions each statement period for 3 months from the date of your approval. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Shopper's Protection premiums, interest and balance transfers into an account. The account must be open and not in default or the credit contract when the redeemable amount is issued. 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 of meeting the spend criteria. The primary cardholder has up to 18 months to redeem from the date of issue. Latitude may vary, extend or withdraw this offer at any time without notice.
6$0 Monthly Card fees for your first 12 months is available to new and approved applicants by 28 May 2025 who apply for a Latitude 28° Global Platinum Mastercard and is limited to one offer per applicant. After the first year, the monthly card fee reverts to $8 per month (subject to change) and will be debited to your card account on your first statement following your 12-month anniversary and monthly thereafter. Latitude may vary, extend or withdraw this offer at any time without notice.