Latitude Low Rate MasterCard card

Latitude Low Rate MasterCard

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

Already using Latitude Low Rate MasterCard?
Don’t forget these great features.

Maximise savings on interest

4.99% interest for the first 6 months after the date you open your account.

Low interest rate

Low ongoing interest rate of 15.49%

0% interest1

and up to 55 days2 interest-free on purchases

Got questions? Call the Latitude Low Rate MasterCard team on 1300 721 394, Mon - Fri: 8:30am-7pm, Sat: 9am-5pm, Sun: Closed (AEST)

Interest rates and fees

Interest Rates

% p.a.
For up to 55 days1
% p.a.
for 6 months after account open date, then 15.49% thereafter
% p.a.
interest rate
% p.a.
cash rate


Annual fee$58
Monthly account keeping fee$0
Paper statements$2.50 per statement
Cash advance fee $1.95 or 3% of the cash advance, whichever is greater
Direct credit advance fee $1.95 or 3% of the credit advance, whichever is greater. You’ll never pay more than $30
Minimum payment $10 or 2.22% of the balance, whichever is greater
Late fee $20
Payment handling fee $2.50 (in person)
$0.95 (online)
ATM fee Varies, depending on the ATM owner. Not applicable at Westpac ATMs
International ATM fee $4, on top of the cash advance fee
International over the counter fee $5, on top of the cash advance fee
Foreign exchange fee 3% of the total amount

Manage your account online

Keep track of your payments

Access your account from anywhere at anytime.

Stay up-to-date

Keep us in the loop with any changes to your personal information.

Never miss a payment

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

Got questions? Call the Low Rate MasterCard team on 1300 721 394, Mon - Fri: 8:30am-7pm, Sat: 9am-5pm, Sun: Closed (AEST)

Frequently Asked Questions

Your credit limit

Managing your account

Important Information

1 Extended interest free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply

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