Low Rate Card

Latitude Low Rate

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.

Low Rate

Be savvy and save interest with a low purchase rate of 13.99% p.a.

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap. Find out more.

Streamlined Rates and Fees

Our rates are easy to understand and you'll only have to pay one manageable annual fee.

Stay on track with your spending

With the Latitude App, it's never been easier to manage your payments and stay on top of your due dates.

Rates, Fees and Conditions


on purchases up to 55 days*


annual fee


standard purchase interest rate


cash advance interest rate


additional cardholder fee


late fee

Payment Options

  • Latitude App
  • Latitude Service Centre
  • BPAY®
  • Direct Debit

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.

Latitude Service Centre

One of the quickest & easiest way to make repayments.

To make a payment
  • Login to the Latitude Service Centre
  • Click 'Pay My Account'

    Then 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.

Note: Please be aware that payments can take 3 to 5 business days to clear.

No Fees

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


Available 24 hours a day, seven days a week.

To make a payment
  • Quote the Biller code

    Latitude Low Rate Biller Code (8573)

  • 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.


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

Note: Effective from 10th April 2024, the payment handling fee (online) will increase from $0.95 to $1.95.

Direct Debit

Easily make recurring repayments.

The easiest (and quickest) way to pay off your credit card is with a monthly direct debit.

You can choose whether to pay a set amount, the monthly minimum or the full closing balance, and on your due date each month your payment will automatically happen!

Click here to find out more about setting up a direct debit.

Digital wallets

You can pay any way on your phone or wearable tech device with just a tap.

Apple PaySamsung PayFitbit PayGoogle PayGarmin Pay

Frequently asked questions

  • Your credit limit
  • Managing your account
  • Is this Credit Card right for me?
  • Insurance
  • Gambling and lottery

We're here to help

For FAQs, useful information and quick and easy forms

Important information

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.

*To take advantage of up to 55 days Interest Free on every day credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.

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.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

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