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

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 Visa account is easy. To share the benefits with a family member or loved one, add an additional cardholder using our <a href="https://assets.latitudefinancial.com/latitudeinfinity/addcard/index.html" target="_blank">online application form</a>. </p>

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.

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="https://www.latitudefinancial.com.au/credit-cards/" 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="https://www.moneysmart.gov.au/borrowing-and-credit/credit-cards" 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>

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.

How do I qualify for a Latitude Infinity Rewards Platinum credit card?

All customers approved for a credit limit of $6,000 or greater automatically receive a Latitude Infinity Rewards Platinum credit card.

Do I have to make a purchase with Luxury Escapes to get the free lounge passes?

To qualify for the two free lounge passes, you need to make a purchase with Luxury Escapes using your Latitude Infinity Rewards Platinum Visa.

How do I access the lounge?

You can find a current list of active <a href='https://luxuryescapes.com/lounges' target='_blank'>Luxury Escapes lounges here</a>. Simply show your Latitude Infinity Rewards Platinum Visa and your Luxury Escapes confirmation voucher when you enter the lounge. Lounge access is subject to availability.

Which airport(s) have a lounge I can access?

Check out <a href='https://luxuryescapes.com/lounges' target='_blank'>luxuryescapes.com/lounges</a> to see the current list of active lounges.

How often can I get access to the lounge passes?

As part of the Latitude Infinity Rewards Platinum Visa, you have access to two complimentary lounge passes which can be used once per calendar year for each card account. The passes cannot be converted into cash and have no value if they are not used within the calendar year nor are they transferrable to another person.

How many lounge passes can I use per year?

As a Latitude Infinity Rewards Platinum Visa cardholder, you have access to 2 lounge passes per calendar year provided you meet the above requirements.

Is my additional cardholder also eligible for two complimentary lounge passes?

The two complimentary lounge passes are available to the primary card accountholder however considering there are two passes, the guest could certainly be the additional cardholder.

Do I have to use both lounge passes at the same time?

The lounge passes can be used together (for two guests) or separately (for the same guest) – it’s up to you how you want to use your lounge passes.