Latitude Infinity Rewards Visa

Turn everyday spending into the endless possibility of something special with our award-winning^ Latitude Infinity Rewards card.

Why choose a Latitude Infinity Rewards Visa card?

Rewards unlimited

With one point for every dollar you spend, earn points that are never capped and never expire.*

How our rewards compare to the Big 4

Spend less and earn more rewards faster with every dollar you spend.

Points required for 
$50 gift voucher
Spend (AUD)Points
redemption rate
Latitude Infinity Rewards5,000$5,0001%
NAB Rewards Classic Card9,620$21,2300.52%
ANZ Rewards Card11,115$21,2300.45%
CommBank Awards Credit Card111,300$11,3000.44%
Westpac Altitude Platinum Reward Card112,350$12,3500.40%

Comparisons are based on each card's points redemption rate versus the required points needed to earn a $50 David Jones gift card or $50 Myer1 gift card. Card redemption rates and required points shown are valid as of 29th January 2019.

Infinity Rewards

Check out what you can redeem with Latitude Infinity

Visa offers

Be rewarded for being a Visa customer

Enjoy exclusive deals, discounts and offers just for using your Visa card at merchants worldwide.

presented by

Rates & Fees

$69

annual fee

0%

on purchases up to 55 days1

20.69

%
p.a.
standard purchase interest rate

20.69

%
p.a.
cash advance interest rate

$9

per year for each additional cardholder

$30

late fee

Payment Options

  • Latitude App
  • Online Service Centre
  • Direct Debit
  • BPAY®
  • Mail
  • Australia Post

Make repayments in just a few taps with our mobile app. Simply download the Latitude App from the App Store or Google Play, then create your Latitude ID (this is different to your Online Service Centre login). Once your credit cards are linked, you’ll be able to make payments via bank transfer with your BSB and Account Number (Australia only).

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.

One of the quickest and easiest way to make repayments. Simply log into the Online Service Centre, click ‘Pay My Account’ and enter your bank details. Registering is easy and only takes a few minutes, just make sure you have your card or 16-digit account number on hand.

Please be aware that payments can take three to five 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 the Online Service Centre.

You can call us on 1300 783 520 to set up your Direct Debit over the phone or download a Direct Debit request form here.

BPAY is available 24 hours a day, seven days a week. To make a payment, quote the Latitude Infinity Biller Code (31989), your account number and the amount you wish to pay.

If you’re paying by BPAY on your due date, you must complete the transaction before your bank’s cut off time, otherwise the transaction may be processed on the following day. Some BPAY payments can take up to three days to appear on your account.

A payment handling fee of $0.95 applies for all payments made via BPAY to pay your account.

Send the tear-off payment slip on your monthly statement with your cheque or money order, payable to Latitude Financial Services, to:

Latitude Infinity
GPO Box 236
Melbourne VIC 3001

Simply take your statement and pay at any Australia Post Office. A payment handling fee of $2.50 applies to each transaction.

Latitude Pay Any Way

How to apply

  1. Apply online
    You can check your eligibility and apply in 10 minutes.
  2. Wait a minute
    60 seconds is all it takes for us to respond to your application.
  3. Ready, set, shop
    Simply activate your card when it arrives to start shopping and reaping the rewards.
Latitude Betterer

Eligibility

You must:
  • Be 18 years or over
  • Be a permanent resident of Australia
Able to supply
  • 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

Frequently asked questions

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

    <p> You&#x2019;ll receive a message within two 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="https://latitudeinfinity-online.latitudefinancial.com.au/access/login">Online Service Centre</a> to monitor your account balance.

  • How do I know what my credit limit is?

    <p> Your credit limit can be found on the top right of your monthly Latitude Infinity Rewards card statement. </p> You can check it anytime at the <a href="https://latitudeinfinity-online.latitudefinancial.com.au/access/login">Online Service Centre</a> or by calling us on <strong>1300 721 394</strong>.

  • What is my cash limit?

    It&#x2019;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="https://latitudeinfinity-online.latitudefinancial.com.au/access/login">Online Service Centre</a> to check it any time.

  • How do I decrease my credit limit?

    You can use the <a href="https://eform.latitudefinancial.com.au/eform/Page.do?eFormName=Online_Credit_Decrease_Form&amp;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 Latitude App, Online Service Centre, Direct Debit, BPAY® or in person; whatever suits you best.</p><p>You can make repayments in just a few taps with our mobile app. Simply download the Latitude App from the App Store or Google Play, then create your Latitude ID (this is different to your Online Service Centre login). Once your credit cards are linked, you'll be able to make payments via bank transfer with your BSB and Account Number (Australia only). 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.</p><p>If you use the Online Service Centre via "Pay My Account", you should be aware that payments can take three to five business days to clear and you can only make one payment to your card account every five 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>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 three days to appear on your account.</p><p>Simply take your statement and pay at any Australia Post Office. A payment handling fee of $2.50 applies to each transaction.</p><p>If you are having difficulty making your minimum monthly repayments, please talk to us. We have a hardship policy, which may allow us to tailor a solution to your circumstances. Please refer to our <a href='/hardship/'>hardship page</a> for more details.</p>

  • Can I manage my account online?

    The Latitude Infinity Rewards <a href="https://latitudeinfinity-online.latitudefinancial.com.au/access/login" target="_blank">Online Service Centre</a> allows you to manage your account at a time that suits you. This service allows you to check your account status and transaction history, maintain your account profile and make BPAY® payments. You can also access and print up to 7 years of statements.

  • Can I have an additional cardholder on my account?

    <p> Adding an additional cardholder to your Latitude Infinity Rewards card account is easy. </p> <ul class="styled-list styled-list--unordered"> <li> You can download the additional cardholder application form <a href="https://assets.latitudefinancial.com/forms/cards/additional-cardholder/latitude-addcard.pdf" target="_blank">here</a> or call us on <a href="tel:1300783520">1300&nbsp;783&nbsp;520</a> and ask for the form to be sent to you (you must be the primary account holder) </li> <li> Fill in the form and send it to us for processing </li> <li> Once they&#x2019;ve been approved, you&#x2019;ll need to activate the card (as the primary holder) </li> </ul> Your additional cardholder can now go interest free shopping - and access cash on your account as well.

  • 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 721 394 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.

Update your details
  • How do I register to use the Online Service Centre?

    You can register for <a href="https://latitudeinfinity-online.latitudefinancial.com.au/access/login" target="_blank">Online Service Centre here.</a>

  • How do I change my contact details?

    The easiest way to change/update your contact details is through the <a href="https://latitudeinfinity-online.latitudefinancial.com.au/access/login" target="_blank">Online Service Centre.</a> Once logged in, you can change your details under Manage My Details. If you’re not yet registered, register now. Alternatively, you can call us on <strong>1300 783 520</strong>.

  • How do I create my own PIN?

    If you’d like to change your PIN to something easier to remember, simply call us on <strong>1300 783 520.</strong> Be sure to have a pen and paper handy and your card number then follow instructions to choose your own four-digit PIN.

  • How do I close my account?

    You can use the <a href='https://eform.latitudefinancial.com.au/eform/Page.do?eFormName=Online_Account_Closure_Form&form_source=Public%20Website' target='_blank'>Close Account Form</a> to request closure of your account.

We're here to help

Call our Latitude Infinity Rewards team on 1300 783 520

Mon to Fri 8am - 9pm, Weekends: 8.30am - 8pm (AEST)

Important information

^The Latitude Infinity Rewards card was awarded a Canstar 5-Star Rating for Outstanding Value Rewards Credit Cards in October 2018.

*Does not include cash transactions, cash equivalent transactions, extended interest free promotional purchases, balance transfers, insurance premiums and interest, fees and charges.

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.

Hallmark General and Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469. Hallmark General and Hallmark Life are part of the Latitude group. Hallmark General is a subscriber to the General Insurance Code of Practice. Click here to access a copy of the Code. Hallmark Life is a subscriber to the Life Insurance Code of Practice. Click here to access a copy of the Code. Any advice on this website is general advice and may not be right for you. It does not take into account your personal objectives, financial situation or needs. You can find more information about your Shopper's Protection in the combined Financial Services Guide, Product Disclosure Statement and Policy.

Credit provided by Latitude Finance Australia ABN 42 008 583 588, Australian Credit number 392145.