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

Name: Latitude Low Rate Mastercard (1st year no annual fee offer)
Brand: Latitude Financial Services
Rating: 0.0 (1 reviews)

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.

Pros and cons

$0 annual card fee in the first year, when you meet the criteria, 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).
Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
Earn 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.

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.

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