Latitude Financial Services credit cards

Make an informed decision about applying for a Latitude Financial Services credit card with this comparison of benefits features, rates, and fees.

Yvonne Taylor avatar
Written by   |  
David Boyd avatar
Verified by
Updated 18 Jul 2025   |   Rates updated regularly

Comparing of 5 Latitude Financial Services credit cards

Latitude 28° Global Platinum Mastercard

Not available for application via this website

Apply by 28 August 2025

Latitude 28° Global Platinum Mastercard

Balance transfer

12 months at 6.99% p.a.

Purchase rate

27.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 28 August 2025. Get a bonus $100 in Latitude Rewards each month when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
  • Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
  • There are no foreign transaction fees for purchases during travel or online shopping.
  • Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.


*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 28 August 2025. Minimum spend applies.

Pros

  • Earn up to $340 in Latitude Rewards. New customers only.
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
  • Save up to 10% on hotels on your next holiday when booking with Expedia, or Wotif.
  • The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
  • Comes with Purchase Protection and E-commerce insurance.
  • Add an additional cardholder at no extra cost.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • A high purchase interest rate of 27.99% p.a.
  • The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.
Latitude Low Rate Mastercard (1st year no annual fee offer)

Not available for application via this website

Apply by 2 September 2025

Latitude Low Rate Mastercard (1st year no annual fee offer)

Balance transfer

12 months at 6.99% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • Limited time offer: Pay no annual card fee in the first year and save $69 when you apply and get approved by 2nd September and make an eligible purchase within 90 days. T & C's apply.
  • Get 3% back in Latitude Rewards on recurring bill payments with participating utility, telco, and streaming services.
  • Add an additional cardholder at no extra cost.
  • Excludes any other offers.

Pros

  • $0 annual card fee in the first year, when you make a purchase in the first 90 days, followed by a low ongoing fee of $69 per year
  • The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change). Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get Latitude Rewards when you shop in the merchant offers portal.
  • Get access to exclusive offers and discounts from hundreds of popular merchants.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
Latitude Low Rate Mastercard (0% purchase offer)

Not available for application via this website

Apply by 2 September 2025

Latitude Low Rate Mastercard (0% purchase offer)

Balance transfer

12 months at 6.99% p.a.

Purchase rate

9 months at 0% p.a.

Interest-free days

55 days

Annual fee

$69.00 p.a. ongoing

Highlights

  • Limited-time offer: Get 0% interest on general purchases for the first 9 months when you apply as a new customer by 2 September 2025. After that, a low ongoing rate of 13.99% applies
  • Earn 3% in Latitude Rewards on recurring payments with participating utilities, telco, and streaming services.
  • Add an additional cardholder at no extra cost.
  • Excludes any other offers.

Pros

  • Earn Latitude Rewards when you shop in the merchant offers portal.
  • The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • Get access to exclusive offers and discounts from hundreds of popular merchants.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • Cash advances attract a high interest rate of 29.99% p.a.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
Latitude Gem Visa Credit Card

Not available for application via this website

Latitude Gem Visa Credit Card

Balance transfer

N/A

Purchase rate

6 months at 0% p.a.

Interest-free days

55 days

Annual fee

$131.40 p.a. ongoing

Highlights

  • Get 0% interest for 6 months on purchases of $250 or more, ideal for spreading out larger expenses.
  • Use the interest-free payment options at numerous stores like Harvey Norman, Domayne, Joyce Mayne, and more.
  • Get additional cards at no extra fee.

Pros

  • The 0% on interest-free payment plans.
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.
  • Pay off interest-free plans early without penalties, giving you flexibility and savings.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • The $10.95 monthly fee adds up to $131.40 per year.
  • The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
Latitude GO Mastercard

Not available for application via this website

Latitude GO Mastercard

Balance transfer

N/A

Purchase rate

6 months at 0% p.a.

Interest-free days

55 days

Annual fee

$131.40 p.a. ongoing

Highlights

  • Get 0% interest for 6 months on purchases of $250 or more, ideal for spreading out larger expenses.
  • Use the interest-free payment options at numerous stores like Harvey Norman, Domayne, Joyce Mayne, and more.
  • Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.

Pros

  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Pay off interest-free plans early without penalties, giving you flexibility and savings.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • The $10.95 monthly fee adds up to $131.40 per year.
  • The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.

More about Latitude Financial Services credit cards

Helpful details to help you compare Latitude Financial Services versus other banks.

  • FAQs

Can I manage my Latitude credit card online?

Yes. You can log in to an online service centre to check your balance, update your details, view your transactions, set up payment reminders and pay off your account.

You can also access account management features via the Latitude mobile app.

Can I use a Latitude credit card to pay with my phone?

Yes, all their credit cards offer the option of paying with any mobile or wearable device, via Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

How can I make repayments on my Latitude Financial Services credit card?

You can make payments via the Latitude mobile app, the online service centre, direct debit, BPAY, or in person at an Australia Post office.

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business