Latitude 28° Global Platinum Mastercard
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.
- Purchase rate
- 28.99%
- Annual fee
- $96.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase 28.99% p.a. interest rate on purchases. | 28.99% | — | — |
| Cash advance 29.99% p.a. interest rate on cash advances. | 29.99% | — | — |
| Balance transfer 29.99% p.a. interest rate on balance transfers. | 29.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly · Annual fee of $96. Waived for the first year.
| Ongoing | $96.00 |
| Late Fee Fee charged when a minimum payment is not received by the due date. | Late payment | $45.00 |
| Payment Handling Fees $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. | Payment | $0.00 – $3.95 |
| International Transaction Fee $0 international transaction fees on purchases. | Transaction | $0.00 |
| Paper Statement Fee Charged daily · $5.00 paper statement fee. You can avoid this fee by opting to receive statements online via the Latitude Service Centre. | Ongoing | $5.00 |
| Balance Transfer Fee |
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.
- Loyalty program — Latitude Rewards
- Enjoy everyday savings from groceries and dining to cinema and entertainment. Plus, earn cashback in Latitude Rewards when you shop Merchant Offers.
- Loyalty program — Latitude Rewards
- Earn $10 in Rewards each month when you spend $1,000 on eligible purchases. That's up to $120 per year! T&Cs apply.
- Loyalty program — Latitude Rewards
- New customers from 29/5/25 earn an extra $10 in Rewards, when they spend the equivalent of AUD $1,000 per month on international purchases.
Eligibility
- Minimum age — 18 yearsApplicants 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.
- Able 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.
- Minimum income — $20,000.00 p.a.To be eligible you must: Have an income of at least $20,000 gross per year, from employment or investments
- Credit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
Constraints
- Minimum limit — $1,000.00Minimum credit limit of $1,000.
- 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.
More Information
Published by Latitude Credit Cards under the Consumer Data Right · Last updated 2 July 2026 · Product ID 107798f7-b01a-4ba6-a934-caca8a2b4a80