Latitude Credit Cards
Latitude 28° Global Platinum Mastercard
Latitude Credit Cards · cred and chrg cards
Provider last updated this product 2026-09-08.
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Latitude Credit Cards's website. Confirm the rate and fees with them
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The Latitude 28° Global Platinum Mastercard offers $0 international transaction fees on purchases, $0 currency conversion fees, complimentary travel and purchase protection insurance, up to 55 days interest free on purchases when paid in full by the due date, and access to Latitude Rewards including cashback offers from partner merchants. Annual fee of $96 (waived for the first year). Minimum credit limit $1,000.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 28.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| 28.99% p.a. interest rate on purchases. | |||||||
| CASH ADVANCE | 29.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| 29.99% p.a. interest rate on cash advances. | |||||||
| BALANCE TRANSFER | 29.99% | - | OTHER | OTHER | - | 13+ months | calculated daily, paid monthly |
| 29.99% p.a. interest rate on balance transfers. | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 12 months | 1 - 12 months | calculated daily, paid monthly |
| Always on BT - 0% for 12 months on Balance Transfers with a 3% BT fee. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $96 | Annual fee of $96. Waived for the first year. |
| Late Fee | LATE_PAYMENT | $45 | Fee charged when a minimum payment is not received by the due date. |
| Payment Handling Fees | PAYMENT | - | $3.95 (in person at Australia Post), $1.95 (online using BPAY®). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre. |
| International Transaction Fee | TRANSACTION | $0 | $0 international transaction fees on purchases. |
| Paper Statement Fee | PERIODIC | $5 | $5.00 paper statement fee. You can avoid this fee by opting to receive statements online via the Latitude Service Centre. |
| Balance Transfer Fee | OTHER | 3.00% | Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer. |
| Additional Cardholder Fee | PERIODIC | $0 | $0 additional cardholder fee. |
| Currency Conversion Fee | OTHER | $0 | $0 currency conversion fees on purchases. |
| Cash Advance Fee | CASH_ADVANCE | 3.50% | 3.5% of the cash advance or $4 (whichever is greater). |
| Credit Balance Processing Fee | OTHER | - | The amount will be the lesser of your balance or $19.99 |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- $0 Foreign Transaction Fee Whether you're shopping online or abroad, you'll enjoy a $0 international transaction fee & great exchange rates.
- First year $0 annual fee Plus, spend $12k yearly on eligible purchases to have your fee waived year after year6.Use our spend Tracker
- Get a bonus $260 in Latitude Rewards when you spend $2,200 or more each month for your first 3 months. New customers only, approved by 31 July 2026. Plus, get ongoing Latitude Rewards: Up to $240 each year when you spend $1,000 or more on eligible international and local purchases each month.
- Free Flight Delay Pass & Global Data Roaming Access to a selection of airport lounges if your flight is delayed 2+ hours. Stay in touch with 3GB free global data each year and 15% off any extra data purchased in 150+ countries. T&Cs apply.
- Unmissable every day and travel offers Enjoy a range of credit back offers, discounts and deals from big brands at home and abroad, like Mastercard Priceless Specials, Expedia and Wotif.
- Top-rated app to complement your card With a 4.8/5 App Store rating, the Latitude App helps you stay on top of payments and never miss a due date.
- Great foreign exchange rates Set by our partners at Mastercard. So you get foreign currencies at the same rate we do.
- Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.50% of the closing balance, shown on your statement of account. If your outstanding balance is less than $30, you must pay that balance.
Who can apply
- min age - 18Applicants must be at least 18 years old.
- residency status - Australian residentA 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.
- otherAble to supply identification and financial details A copy of your driver's licence, passport or proof of age card. Details of your income, assets and debts. Employer's name and contact details.
- min income - 20000.00To be eligible you must: Have an income of at least $20,000 gross per year, from employment or investments
- otherCredit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
- natural personProduct is only eligible for a natural person.
Limits
- min limit - 1000.00Minimum credit limit of $1,000.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-08T04:31:55.485Z · Product ID: 107798f7-b01a-4ba6-a934-caca8a2b4a80