Latitude Mastercard®

Latitude Eco Mastercard®

The Latitude Eco Mastercard® is no longer taking new applications. If you’re after a flexible card alternative, view all our credit card options.

Already using Latitude Eco Mastercard®?
Don’t forget these great features.

Streamlined Rates and Fees

Our rates are easy to understand and you'll only have to pay one manageable annual fee

Stay on track with your spending

With the Latitude App, it's never been easier to manage your payments and stay on top of your due dates.

Rates, Fees and Conditions


annual fee


on purchases up to 55 days*


interest rate


cash rate

Ready, Set, Tap.

You can Pay any way on your phone or wearable tech device with just a tap.

Apple PaySamsung PayFitbit PayGoogle PayGarmin Pay

Frequently asked questions

Your credit limit
  • What happens if I go over my credit limit?

    <p> You&rsquo;ll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. You should only receive one over limit alert between each statement period. There are no charges for going over your credit limit. </p> We recommend registering for the <a href="">Online Service Centre</a> to monitor your account balance.

  • How do I know what my credit limit is?

    It’s important to note that your 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 statement or you can log on to the <a href="">Online Service Centre</a> to check it any time.

  • What is my cash limit?

    It’s important to note that your 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 statement or you can log on to the <a href="">Online Service Centre</a> to check it any time.

  • How do I decrease my credit limit?

    You can use the <a href=";form_source=Public%20Website" target="_blank">Reduce Credit Limit Form</a> to request a credit limit reduction

Managing your account
  • How do I pay my account?

    <p>We offer convenient ways to pay - via the Online Service Centre, Direct Debit, BPAY<sup>&reg;</sup> or in person - whatever suits you best.</p> <p>If you use the Online Service Centre via "Pay My Account", you should be aware that payments can take 3-5 business days to clear and you can only make one payment to your card account every 5 days. We do not charge you a fee for payments made via the Online Service Centre.</p> <p>With BPAY you will need to use your credit card account number as the reference number. This can be found in the top right-hand corner of your statement.</p> <p>Please note a Payment Handling Fee of $0.95 applies for all payments made via BPAY to pay your card account.</p> <p>If you’re paying by BPAY on your due date, make sure you complete the transaction before your bank’s cut off time, otherwise the transaction may be processed on the following day. Remember that some BPAY payments can take up to 3 days to appear on your account.</p>

  • Can I manage my account online?

    Yes, the Latitude Eco Mastercard <a href="">Online Service Centre</a> allows you to manage your account 24 hours a day. This service allows you to check your account status and transaction history and maintain your account profile. It also allows you to grant access to your additional cardholders, enabling them to manage the account too.

  • How can I avoid late fees on my account?

    <ul class="styled-list styled-list--unordered"> <li> Paying by direct debit saves you time and the hassle of manual repayments, it also helps you to avoid fees from missed or late payments. </li> <li> Make sure you have sufficient funds in your account so all direct debits and other scheduled payments can be made. </li> <li> If your circumstances change which could affect your repayments, call us on 1300 734 543 to discuss your options. </li></ul>

  • How are Crypto currency transactions treated?

    Crypto currency transactions will be treated as cash equivalent transactions including where a merchant or card scheme identifies a transaction as a cash advance.

  • How do I close my account?

    You can use the <a href="" target="_blank">Close Account Form</a> to request closure of your account.

  • Is this Credit Card right for me?

    <span class="faq__item-text--content">How do I know if I have the right Credit Card for my circumstances?</span><p>Choosing the right credit card product for your actual needs and uses is not necessarily a set and forget decision. Latitude encourages you to review your requirements regularly. Latitude has a range of credit cards from Low Rate, Interest Free, Travel and Rewards so the choice is yours.</p><span class="faq__item-text--content">Where can I find out information about other Credit Cards?</span><p>An overview of Latitude’s credit cards can be found <a href="" target="_blank">here.</a> <br>Use the drop down to compare different cards by category such as: Interest Free, Low Interest Rate and Travel.</p><span class="faq__item-text--content">Is there an independent resource available to learn more about borrowing and credit cards?</span><p>The government’s <a href="" target="_blank">MoneySmart</a> website is a valuable resource to learn more about borrowing and credit.</p><span class="faq__item-text--content">What can I do if I want to change cards?</span><p>The easiest way to change cards is to pay your account in full and close your existing account. You will then need to apply for the card you want – a full assessment is required when you apply.</p>

We're here to help

Call our Latitude Eco Mastercard team on 1300 734 543

Mon - Fri, 8:00am - 7pm (AEST),
Weekends closed

Important information

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.