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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Updated 18 Dec 2024   |   Rates updated regularly

Comparing of 3 Latitude Financial Services credit cards

Latitude Gem Visa

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

  • Earn up to $200 cashback when you spend at least $1,000 on eligible purchases every month for the first 3 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 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

  • 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®

Balance transfer

N/A

Purchase rate

27.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$96.00 p.a. ongoing

Highlights

  • Earn a $200 bonus Latitude Rewards when you spend $2,000 or more on eligible transactions each statement period within the first 3 months of approval. T&Cs apply. Offer valid for new approved customers until 31 December 2024.
  • 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

  • An $8 monthly fee totals $96 annually, a fair cost considering the card's benefits.
  • Earn up to $120 in Latitude Rewards by spending $1,000 or more on eligible transactions each month for 12 months—ideal for consistent spenders.
  • 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

  • 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.

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