Latitude Credit Cards
Latitude Low Rate Mastercard
Latitude Credit Cards · cred and chrg cards
Provider last updated this product 2026-09-08.
Go to provider
You'll complete your application on
Latitude Credit Cards's website. Confirm the rate and fees with them
before applying.
Latitude Low Rate Mastercard with a low purchase rate of 13.99% p.a., up to 55 days interest free on general purchases, and access to Latitude Rewards discounts and offers.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 29.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Cash advance rate. | |||||||
| BALANCE TRANSFER | 29.99% | - | OTHER | OTHER | - | 26+ months | calculated daily, paid monthly |
| The Cash Advance Rate applies unless a specific valance transfer rate is subsequently offered | |||||||
| PURCHASE | 13.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| 0% p.a. on purchases up to 55 days | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 25 months | 1 - 25 months | calculated daily, paid monthly |
| Before 31/01/27 - 0% for 25 months on Balance Transfer. 3% Balance Transfer fee and eligibility criteria apply. After 31/01/27 - 0% for 12 months on Balance Transfer. New customers only, must be approved by 31 January 2027. Balance Transfer must be submitted by 31 March 2027. T&Cs , annual card fee and other charge apply. Interest rate reverts to the cash advance rate after the promotional period. A Balance Transfer cannot be made from a Latitude issued credit card. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Cash Advance Fee | CASH_ADVANCE | 3.50% | 3.5% of the cash advance or $4 (whichever is greater). |
| Late Fee | LATE_PAYMENT | $45 | - |
| Credit Card Fee | PERIODIC | $69 | Credit card fee charged annually. |
| International Transaction Fee | TRANSACTION | 3.00% | 3.00% of the Australian dollar value of the international transaction. |
| Paper Statement Fee | PERIODIC | $5 | $5.00 You can avoid this fee by opting to receive statements online. Simply login to 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. |
| International ATM Fee | WITHDRAWAL | $4 | $4, on top of the cash advance fee. |
| International Over the Counter Fee | OTHER | $5 | $5, on top of the cash advance fee. |
| Credit Balance Processing Fee | OTHER | $19.99 | The fee amount will be the lesser of your balance or $19.99. |
| 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. |
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
- Enjoy the benefits of using a Latitude Low Rate Mastercard A low rate and rewards credit card rolled into one. Spoil yourself, and get more from your budget, with the Latitude Low Rate Mastercard.
- Let your budget breathe Enjoy a 13.99% p.a. purchase rate, so you can stretch your budget without stressing it.
- Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.75% of the closing balance, shown for the statement period 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.
- otherApplicants must be able to supply: - A copy of your driver's licence, passport or proof of age card. - Details of your income, assets and debts. - Employers name and contact details.
- 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.
- 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 - 1000.00Min credit limit
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: 2026-09-08T04:33:02.884Z · Product ID: fc9d7803-dad4-45a2-9b1b-cebf3bf65653