Infinity Credit Cardcannstar

Latitude Infinity
Rewards Visa

Turn everyday spending into rewards with our award-winning^ Latitude Infinity Rewards Visa card. Apply now, be approved, shop in minutes. Let’s go for it.

Apply Now

Apply in less
than 10 minutes

Why choose a Latitude Infinity Rewards Visa card?

Rewards

You’ll be happy with one point for every dollar you spend, no cap and no expiry on points*, and market-best 1% redemption rate.

How our rewards compare to the Big 4

You’ll quickly see that the Latitude Infinity Rewards Visa card means you spend less to earn rewards faster.

Points required for 
$50 gift voucher
Spend (AUD)Points
redemption rate
Latitude Infinity Rewards5,000$5,0001%
NAB Rewards Classic Card9,620$12,8260.52%
ANZ Rewards Card11,115$21,2300.45%
CommBank Awards Credit Card111,300$11,3000.44%
Westpac Altitude Platinum Reward Card111,750$11,7500.43%

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 November 2019.

Infinity
Rewards

Check out what you can
redeem with Latitude
Infinity

Visa offers

Ready for more? Like exclusive deals, discounts and offers.

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in partnership with visa logo

Rates and 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
  • BPAY®
  • Direct Debit
  • Mail
  • Australia Post
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Latitude App

Make repayments in just a few taps with our mobile app.

app storeplay store
  • 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 Online 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.

No Fees

We do not charge a fee for payments made via direct bank transfer on the Latitude App.

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Online Service Centre

One of the quickest & easiest way to make repayments.

To make a payment
  • Login to the Online Service Centre
  • Click ‘Pay My Account’

    Then enter your bank details.

Registering

Registering is easy and only takes a few minutes, just make sure you have your card or 16-digit account number on hand.

Note: 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.

No Fees

We do not charge a fee for payments made via the Online Service Centre.

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BPAY®

Available 24 hours a day, seven days a week.

To make a payment
  • Quote the Biller code

    Latitude Infinity Rewards Biller Code (31989)

  • Your account number
  • The amount you wish to pay

Note: 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.

Fees

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

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Direct Debit

Easily make recurring repayments.

Call us

You can call us on 1300 783 520 to set up your Direct Debit over the phone

Download form

Download a Direct Debit request form here.

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Mail

Send the tear-off payment slip on your monthly statement.

Send along with your cheque or money order, payable to Latitude Financial Services, to:

Latitude Infinity Rewards
GPO Box 236
Melbourne VIC 3001

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Australia Post

Simply take your statement and pay at any Australia Post Office.

Fees

A payment handling fee of $2.50 applies to each transaction.

Latitude Pay Any Way

Let’s choose the convenience of paying with any mobile or wearable tech. So you can use your credit card with just a tap. Available on all our Visa and Mastercard products.

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.

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 Visa account is easy. To share the benefits with a family member or loved one, add an additional cardholder using our <a href="https://eform.latitudefinancial.com.au/eform/Page.do?eFormName=ACH_infinity" 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>

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.

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.

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

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.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.

Visa and the Visa brand are registered trademarks of Visa International.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

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