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Low Rate
3% Balance Transfer fee applies. New customers only, must be approved by 31 July 2026. Balance Transfer must be submitted by 30 September 2026.
Would you like to apply with the Balance Transfer offer?
Yes, apply for the limited time offer
0% Balance Transfer for 25 months
3% Balance Transfer fee and eligibility criteria apply. New customers only, must be approved by 31 January 2027. Balance Transfer must be submitted by 31 March 2027. T&Cs, annual card fee (normally $69) and other charges apply. Interest rate reverts to the cash advance rate after the promotional period, currently 29.99% (subject to change). A Balance Transfer cannot be made from a Latitude issued credit card.
No, continue without the Balance Transfer offer
Enjoy the benefits of using a Latitude Low Rate Mastercard
A low rate and rewards credit card rolled into one. Spoil yourself, and get more from your budget, with the Latitude Low Rate Mastercard.
Let your budget breathe
Enjoy a 13.99% p.a. purchase rate, so you can stretch your budget without stressing it.
Earn on everyday spend
Get 3% back in Latitude Rewards1 when you set up recurring payments direct with participating utilities, telco, and streaming services. T&Cs apply.
Team up for even more rewards
Add an additional cardholder at no extra cost and become the ultimate rewards-earning team. Learn More.
Travel with peace of mind
Wherever you go, our specialist team keeps your personal info safe from fraud and identity theft. Learn More.
Up to 55 days interest free period2
Take advantage of up to 55 days interest free2 on credit card general purchases.
Everyday offers and discounts
Get cashback in Latitude Rewards when you shop the very latest Merchant Offers in our Latitude App.
Ready, Set, Tap
Introducing our instant cardless payment feature where you can apply, get approval, and start shopping from your phone in minutes.
Top-rated app to complement your card
Stay on top of payments with the 4.8/5 rated Latitude App and never miss a due date.
Get up to $300 in bonus Latitude Rewards3
When you spend $1,000 or more on eligible transactions every statement period in your first 6 months from approval. T&Cs apply.
New customers only, must be approved by 28 Feb 2025. T&Cs, card fee and other charges apply.
Get 0% for 18 months on balance transfers4
3% balance transfer fee applies. T&Cs apply.
New customers only, must be approved by 28 Feb 2025. T&Cs, card fee and other charges apply.
Experience more with Latitude Rewards
Each Latitude Reward is worth $1 towards dining and cinema experiences, eGift Cards, and more — no points conversion needed.
Earn on everyday spend
Get 3% back in Latitude Rewards1 when you set up recurring payments direct with participating utilities, telco, and streaming services. T&Cs apply.
Browse tons of rewards
Use your Latitude Rewards1 for dining and cinema experiences, eGift Cards, and more. Enjoy your rewards your way.
Redeem in seconds
Redeem your rewards in seconds. Just use the Latitude App or log in to the Latitude Service Centre.
Rates & Fees
0%
on purchases up to 55 days*
13.99%
purchase rate
$69
credit card feecharged annually
$0
additional cardholder fee
29.99% p.a.
The Cash Advance Rate applies unless a specific balance transfer rate is subsequently offered
$45
Greater of $4 or 3.5% of the cash advance amount
3.00% of the Australian dollar value of the international transaction
International ATM fee
$4.00, on top of cash advance fee
$5.00, on top of cash advance fee
Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer
$5.00. You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre.
$0 when you pay via the Latitude App, Latitude Service Centre, or direct debit.
$1.95 (online using BPAY®).
$3.95 (in person at Australia Post).
The fee amount will be the lesser of your balance or $19.99
Payment Options
Latitude App
Make repayments in just a few taps with our mobile app.
How To apply
Apply online
You can check your eligibility and apply in 10 minutes.
Wait a minute
60 seconds is all it takes for us to respond to your application.
Ready, set, shop
Simply activate your card when it arrives to start shopping.
Eligibility
You must:
Be 18 years or over.
A resident of Australia or a temporary resident who legally has the right to work in Australia (and intend to stay) for at least the next 12 months.
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.
Still looking for other options? Explore our other credit cards
Latitude GO Mastercard
Break up your bigger buys and enjoy more time to pay.
Available now
Enjoy 0% interest for 6 months on general purchases of $250 or more. Select your purchases in the Latitude app within 30 days.
Up to 55 days interest free on general purchases.
28.99% p.a. purchase rate.
Monthly credit card fee will apply (currently $11.95, subject to change).
Latitude Gem Visa
Your go-to shopping card for Interest Free plans, Latitude Rewards and so much more!
Limited time offer
Earn $400 in Latitude Rewards when you spend $1,500 per month on purchases, including Interest Free plans, for the first 4 months after approval with your Latitude Gem Visa credit card. New customers only, must be approved by 29 January 2027. Excludes any other offers.
0% interest for 6 months on everyday purchases of $250 or more when you select your purchases in the Latitude App within 30 days.
Earn 3% back in Latitude Rewards7 on eligible spend across groceries, dining, food delivery, movie and theatre ticket purchases - after you spend $1000 or more on general purchases in a statement period. T&Cs apply.
28.99% p.a. purchase rate.
Monthly credit card fee will apply (currently $11.95, subject to change).
Latitude 28° Platinum Mastercard
Travel better and shop confidently.
Limited time offer
$260 bonus Latitude Rewards
$0 annual credit card fee for the first year (normally $96).
$0 international transaction fees.
Up to $240 Latitude Rewards each year.
28.99% p.a. purchase rate.
All offers are subject to T&Cs.
Frequently Asked Questions
Like most financial institutions, we work on a credit check system, and we consider if the card is unsuitable for you given all the circumstances. We also need to make sure we are identifying the right person, to prevent fraud. We take many things into consideration when reviewing an application. And, while we don't disclose the specific details of our criteria, if you're declined, we'll let you know in writing.
If you apply online and provide all the necessary information, we can give an answer on your application within 60 seconds in most instances. In some instances, further information may be required to process an application. If further information is required, we will inform you during the application process.
You will receive updates about the status of your application via email.
However, you can check your application status at any time by calling 1300 764 454. Please ensure you have your application number available when calling.
It will take approximately 5-10 working days from your approval for you to receive your Latitude Low Rate Mastercard.
You can add card to your digital wallet here as soon as you are approved with a Latitude credit card. All you need is your Latitude Low Rate Mastercard details, your phone, and a few minutes.
Alternatively, if you wait for your physical card, you will need to activate it before you start to use it. Remember to sign your card immediately.
To activate your Latitude Low Rate Mastercard, simply log into your account via our Latitude Service Centre where you can activate credit card and select your own PIN.
For security reasons, your Latitude Low Rate Mastercard credit card is sent to you inactive. Activating the credit card validates that it's been received by you.
To activate your Latitude Low Rate Mastercard, simply log into your account via our Latitude Service Centre where you can activate credit card and select your own PIN.
- Firstly, check with the primary account holder that they've activated their card. You will not be able to activate your card until theirs is active.
- Call us on 1300 552 079 to activate your card and set up your PIN. It only takes a couple of minutes.
- Prompt the interactive voice response with 'Activate my card' and follow the instructions.
- You will need to know the primary account holder's date of birth and the mobile phone number listed on the account.
- A verification code will be sent to the mobile phone number listed on the account, so keep that close while you are on the line.
- We suggest you continue to follow the prompts and set a PIN while you are there.
- And your card's almost ready to go - just don't forget to sign it first.
Important information
* To take advantage of up to 55 days Interest Free on everyday credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.
1 Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. You can use this amount to select an e-gift card via the Latitude App and Latitude Service Centre.
Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are directly setup as recurring payments with participating merchants under the following merchant categories codes (MCC):
- Utilities (Electricity, Gas, Water) - 4900
- Telco Services – 4812 and 4814
- Streaming Services – 4899, 5735, and 5815
Exclusions to eligible transactions apply.
Merchant categories are determined by a merchant’s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You’re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like.
The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Rewards Terms and Conditions.
2 Purchase Protection Insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686, Level 19, 2 Park Street, Sydney NSW 2000 ( AIG ) under a group policy of insurance issued to Mastercard. In arranging the insurance Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751. Eligible Persons who can access the complimentary Purchase Protection Insurance are the current holders of the relevant Latitude Low Rate Mastercard, which entitles them to these purchase protection insurance benefits. It is important you read your Latitude Low Rate Mastercard Purchase Protection Insurance Terms and Conditions. Eligible persons can claim as third party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984. Conditions and Exclusions apply to this insurance coverage as set out in the group policy and any insurance document provided to the eligible persons and which both may be amended from time to time. Neither Latitude Finance Australia nor Mastercard guarantees this insurance and do not hold an Australian Financial Services Licence. View full terms and conditions.
3 Up to $300 in Latitude Rewards offer is available to new and approved Latitude Low Rate Mastercard customers from 20 November 2024 to 28 February 2025 and is limited to one offer per customer. Customer must choose the offer to be eligible. $50 Latitude Rewards will be credited to a customer’s Latitude Rewards balance every statement period when they spend $1,000 or more on eligible transactions in the first 6 months from card approval. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. The account must be open and not in default of the credit contract when the redeemable amount is issued. The $50 Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 60 days of meeting the spend criteria. The primary cardholder has up to 18 months to redeem from the date of issue. We reserve the right to close or vary this offer at any time.
4 Balance transfer applies to eligible customer's Australian non-Latitude credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your Latitude Low Rate Mastercard credit card credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the promotional period. If there is an outstanding balance after the promotional period, interest will be charged at the cash annual percentage rate, currently 29.99% (subject to change). A once-off balance transfer fee of 3% applies to the amount being transferred. This will be charged to your Latitude Low Rate Mastercard credit card account when the balance transfer is processed.
New customers only and must be approved from 20 November 2024 to 28 February 2025. We reserve the right to close or vary this offer at any time.
Latitude General Terms and Conditions set out the T&Cs of the Latitude Low Rate Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
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