Latitude Low Rate Mastercard

Low on rate, not on features. You can do better with a Latitude Low Rate Mastercard.

Latitude Low Rate Mastercard

You're smart enough to do better with the
Latitude Low Rate Mastercard

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Low Rate

Spend less on interest with a low 11.99% p.a. rate.

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Price Protection

Buy what you need now, and if the price drops within 30 days, we'll refund the difference for eligible purchases.*

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Purchase Protection

If an eligible purchase is accidently damaged or stolen within 90 days, we'll help repair or replace it.*

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Extended Warranty

Get 1 year extra warranty on eligible purchases that have an existing 1-2 year manufacturer's warranty.*

*Claim limits and exclusions apply. For full details see the Complimentary Insurance Terms and Conditions.

Interest rates and fees

Annual fee $69
Interest free days on purchases Up to 55 days ^
Standard purchase interest rate 11.99% p.a.
Cash advance interest rate 20.99% p.a.
Additional cardholder fee $0
Cash advance fee $1.95 or 3% of the cash advance or cash equivalent transaction, whichever is greater
International transaction fee 3% of the Australian dollar value of the international transaction
International ATM fee $4, on top of the cash advance fee
International over the counter fee $5, on top of the cash advance fee
Late fee $30
Payment handling fee $2.50 (in person)
$0.95 (online)
Paper statements $2.50 per statement
Balance transfer interest rate 11.99% p.a.

We offer convenient ways to pay – via the Online Service Centre, Direct Debit, BPAY® or in person– whatever suits you best.

Online Service Centre

The quickest and easiest way to make repayments. Simply log into the Online Service Centre, click ‘Pay My Account’ and enter your bank details. 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.

Direct Debit You can call us on 1300 721 394 to set up your Direct Debit over the phone or download a Direct Debit Request form here
BPAY®

Make payments electronically using your bank's phone or internet banking service. BPAY is available 24 hours a day, 7 days a week. To make a payment, quote the Latitude Low Rate Mastercard Biller Code (8573), your account number and the amount you wish to pay.

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.

Please note a Payment Handling Fee of $0.95 applies for all payments made via BPAY® to pay your card account.

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

Latitude Low Rate Mastercard
GPO Box 14850
Melbourne VIC 8119
Australia Post

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

Are you eligible for Latitude Low Rate?

All you need to be is:
  • At least 18 years of age
  • A permanent resident of Australia

All you need to give us is:
  • A copy of your driver's licence, passport or proof of age
  • Details of your income, assets and debts
  • Your employer's name and contact number

Apply in 3 simple steps

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.

Already a cardholder?

A smarter way to manage your account



Keep track of your payments

Access your account from anywhere at any time.

Never miss a payment

Opt-in to receive email reminders when your payment is due.

Stay up-to-date

Keep us in the loop with changes to your circumstances.

Frequently Asked Questions

Your credit limit

Managing your account

Insurance

Important Information

*Purchase Protection, Price Protection and Extended Warranty Terms and Conditions here.
The Purchase Protection, Price Protection and Extended Warranty are accessible to Latitude Low Rate Mastercard cardholders as third party beneficiaries under a group insurance policy issued to Mastercard Asia/Pacific Pty. Ltd. (the 'Policyholder') by AIG Australia Limited ('AIG') ABN 93 004 727 753 AFSL 381686. In arranging the group insurance policy, the Policyholder acts as a Group Purchasing Body. The Policyholder is neither a licensed insurer nor a licensed insurance intermediary, and does not sell, solicit, nor provide advice on insurance products in your jurisdiction. The Policyholder is not authorised to provide any financial advice in respect to the coverage under the Policy. Any claim filed pursuant to insurance available in connection with the Policyholder will be evaluated by the applicable Insurer and, if accepted, will be settled by that insurer directly to you and not via the Policy holder. Latitude Finance Australia (ABN 42 008 583 588) is not an authorised representative of AIG, does not guarantee any of the benefits under the policy and does not provide any financial advice in respect to coverage under the policy.

^To take advantage of up to 55 days Interest Free on everyday credit card purchases, you must pay the full balance of the account both for the statement before the purchases were made, and for the statement on which the purchases are listed.

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

Approved customers only. Terms and conditions apply. Minimum monthly repayments required.

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