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
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David Boyd avatar
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Updated 7 Mar 2025   |   Rates updated regularly

Comparing of 5 Latitude Financial Services credit cards

Latitude Gem Visa Credit Card

Not available for application via this website

Latitude Gem Visa Credit Card

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.
  • 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

Highlights

  • Earn up to $300 cashback when you spend at least $1,500 on eligible purchases every month for the first 6 months after card approval. Terms and Conditions apply.
  • 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.

Pros

  • The 0% on interest-free payment plans.
  • 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 28° Global Platinum Mastercard®

Not available for application via this website

Latitude 28° Global Platinum Mastercard®

Highlights

  • Earn up to $300 cashback when you spend at least $1,000 on eligible purchases every statement period for your first 3 months from approval.
  • $0 annual fee on the first 12 months.
  • 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.

Pros

  • Save up to 10% on your next holiday when booking with Expedia, Booking.com, 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.
  • Get an additional cardholder for FREE.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • After the first year, an $8 monthly fee adds up to $96 annually—a reasonable trade-off if the card’s perks align with your spending.
  • 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 (Cashback Offer)

Not available for application via this website

Latitude Low Rate Mastercard (Cashback Offer)

Highlights

  • Earn up to $300 in bonus Latitude Rewards when you spend at least $1,000 on eligible purchases every statement period for your first 6 months from approval.
  • Get 3% cashback on recurring payments with participating utility, telco, and streaming services.
  • Get additional cards at no extra fee.

Pros

  • Earn up to $300 in bonus Latitude Rewards when you meet the criteria.
  • Earn Latitude Cashback 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 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

  • You must spend at least $1,000 per month for six months to receive $300 cashback.
  • 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 (Balance Transfer Offer)

Not available for application via this website

Latitude Low Rate Mastercard (Balance Transfer Offer)

Highlights

  • Get a 0% interest rate on balance transfers for 18 months with a 3% transfer fee. After that, the rate changes to 29.99% p.a. for cash advances.
  • Get 3% cashback on recurring payments with participating utility, telco, and streaming services.
  • Get additional cards at no extra fee.

Pros

  • Earn Latitude Cashback 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 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

  • There is a 3% balance transfer fee.
  • After the promotional balance transfer period, any remaining balance will be charged at the cash advance rate, currently 29.99% p.a.
  • 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