Is Latitude MasterCard right for you?
Streamlined rates and fees
Our rates are easy to understand and you’ll only have to pay one manageable annual fee.
Manage your money online
Access your Latitude MasterCard account whenever and wherever you like.
Safeguard your spending
You never know what’s going to happen further down the track, so why not take out insurance to protect yourself against the unexpected. We’ll cover your card if it is lost or stolen and we’ll also protect any purchases you make with it.
Apply for this cover as part of your application or at anytime after by calling us free on 1800 800 230.You can also find out more by taking a look at our Product Disclosure Statement (PDS).
Interest rates and fees
|Monthly account-keeping fee||$0|
|Replacement card fee||$0|
|Docket request fee||$5|
|Paper statement fee||$2.50|
|Cash advance fee||$1.95 or 3% of the cash advance, whichever is greater|
|Payment handling fee||$2.50 (in person)
|International ATM fee||$4, on top of the cash advance fee|
|International over the counter fee||$5, on top of the cash advance fee|
|International transaction fee||3% of the purchase or cash advance|
Frequently Asked Questions
Application and activation
- Over 508,000 merchant locations throughout Australia
- Over 15 million locations throughout Asia and the Pacific
- Over 28 million locations worldwide
- Any EFTPOS/ATM displaying MasterCard® logo
Yes, you can use your Latitude MasterCard wherever MasterCard is accepted anywhere around the world. There are over 23 million locations worldwide where MasterCard is accepted.
Yes, your card will not be accepted in Cuba, Sudan, North Korea, Syria and Iran. This information is correct as at 18 February 2014.
Please call us on 1300 882 289 to activate your card and follow the prompts. When you are activating your card, please follow the prompts to select your own Personal Identification Number (PIN). After this your card will be ready for use.
Your credit limit
If you apply for your Latitude MasterCard over the phone, our Customer Solutions team will inform you of your credit limit if your application is approved.Your credit limit can also be found on the top right of your monthly Latitude MasterCard statement. Alternatively, you can log onto the Online Service Centre to check it any time. It’s important to note that your credit limit can be different from your available cash limit.
You can apply for a credit limit increase by calling us to request an increase to your limit. We will then review and let you know if you are eligible to increase your limit.If your personal circumstances have changed, and you wish to decrease your credit limit, please contact our Customer Solutions team on 1300 882 289.
You’ll receive a message within 2 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.We recommend checking your transactions and monitoring your balance via the Online Service Centre. If you’re not yet registered, register now.
Your available cash limit can be found under ‘Account Summary’ in the Online Service Centre. It’s also available on your statement. It’s important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
Managing your account
Your Latitude MasterCard offers a number of options for you to pay your account each month. You can pay your Latitude MasterCard account by Direct Debit, BPAY®, mail or at any Australia Post outlet.
Yes, the Latitude MasterCard Online Service Centre allows you to manage your account 24 hours a day. This service allows you to check your account status and transaction history, maintain your account profile and request a credit limit increase. It also allows you to grant access to your additional cardholders, enabling them to manage the account too.
If you’d like your partner or another family member to enjoy the convenience of your Latitude MasterCard, you can have up to 9 additional cards at no extra cost. With all the cards on the one monthly statement, it’s easy to track shopping and expenses. You can add an additional cardholder through the Online Service Centre or by calling our Customer Solutions team on 1300 882 289.
- 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.
- Make sure you have sufficient funds in your account so all direct debits and other scheduled payments can be made.
- If your circumstances change which could affect your repayments, call us on 1300 882 289 to discuss your options.