--- title: "Latitude Low Rate Mastercard — Latitude Credit Cards" description: "Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/latitude-credit-cards/products/fc9d7803-dad4-45a2-9b1b-cebf3bf65653 source: "CDR Compare" language: en-AU last_updated: 2026-08-05T13:37:32.107Z --- # Latitude Low Rate Mastercard — Latitude Credit Cards > Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** 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. ## At a glance - **Purchase rate:** 13.99% - **Annual fee:** $69.00 ## Apply Applications are handled by the provider: [Apply at Latitude Credit Cards](https://www.latitudefinancial.com.au/credit-cards/low-rate/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (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.) | 0% | — | Promotional period 1–25 months | | Purchase (0% p.a. on purchases up to 55 days) | 13.99% | — | — | | Cash advance (Cash advance rate.) | 29.99% | — | — | | Balance transfer (The Cash Advance Rate applies unless a specific valance transfer rate is subsequently offered) | 29.99% | — | Ongoing revert rate 26+ months | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Cash Advance Fee — 3.5% of the cash advance or $4 (whichever is greater). | Cash advance | 3.5% of transaction | | Late Fee | Late payment | $45.00 | | Credit Card Fee — Charged yearly · Credit card fee charged annually. | Ongoing | $69.00 | | International Transaction Fee — 3.00% of the Australian dollar value of the international transaction. | Transaction | 3% of transaction | | Paper Statement Fee — Charged every P0D · $5.00 You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre. | Ongoing | $5.00 | | Balance Transfer Fee — Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer. | Other | 3% of transaction | | International ATM Fee — $4, on top of the cash advance fee. | Withdrawal | $4.00 | | International Over the Counter Fee — $5, on top of the cash advance fee. | Other | $5.00 | | Credit Balance Processing Fee — Capped at $19.99 · The fee amount will be the lesser of your balance or $19.99. | Other | $19.99 | | 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 | ## Features - **Additional cards** — up to 1 ($0 additional cardholder fee. Team up for even more rewards. Add an additional cardholder at no extra cost and become the ultimate rewards-earning team.) - **Balance transfers** (0% Balance Transfer for 25 months 3% balance transfer fee and eligibility criteria apply. New customers only, must be approved by 31 January 2027. Balance Transfer must be submitted by 31 March 2027. T&Cs, annual card fee (normally $69) and other charges apply. Interest rate reverts to the cash advance rate after the promotional period, currently 29.99% (subject to change). A balance transfer cannot be made from a Latitude issued credit card.) - **Discounts on other products** — Latitude Rewards (A low rate rewards card. Enjoy amazing offers and discounts designed to make every dollar go further.) - **Digital wallet** — Apple Pay (Click to Pay A fast, simple and secure way to checkout online without entering your details every time.) - **Interest-free period** — 55 days (Up to 55 days interest free on general purchases.) - **Card access** — Mastercard (Mastercard Credit Card Access) - **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.** - **Fraud protection** (Shop with Confidence Delivery gone missing for your online purchases? Latitude’s E-Commerce Purchase Protection Insurance has got you covered for eligible purchases, subject to T&Cs.) - **Fraud protection** (Travel with peace of mind Wherever you go, our specialist team keeps your personal info safe from fraud and identity theft.) - **Loyalty program** — Latitude Rewards (Earn on everyday spend Get 3% back in Latitude Rewards when you set up recurring payments direct with participating utilities, telco, and streaming services. T&Cs apply.) - **Loyalty program** — Latitude Rewards (Browse tons of rewards Use your Latitude Rewards for dining and cinema experiences, eGift cards, and more. Enjoy your rewards your way.) - **Loyalty program** — Latitude Rewards (Redeem your rewards in seconds. Just use the Latitude app or log in to the Latitude Service Centre.) - **Digital wallet** — Google Pay (Click to Pay A fast, simple and secure way to checkout online without entering your details every time.) - **Interest-free transfers** — 25 months (Before 31/01/27 - 0% p.a. for 25 months on Balance Transfers. 3% Balance Transfer fee and eligibility criteria apply.New customers only, must be approved by 31/01/2027. T&Cs apply. After 31/01/27 - 0% for 12 months on Balance Transfers. ) - **Balance transfers** (Balance transfers available) - **Balance transfers** (0% for 25 months Balance Transfer Pay off your debt faster with 0% p.a. for 25 months on a Balance Transfer. 3% Balance Transfer fee and eligibility criteria apply. New customers only, must be approved by 31 January 2027. Balance Transfer must be submitted by 31 March 2027.) ## Eligibility - **Minimum age** — 18 years (Applicants must be at least 18 years old.) - **Applicants 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 resident (A 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.) - **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** — $1,000.00 (Min credit limit) - **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.** ## More information from Latitude Credit Cards - [Overview](https://www.latitudefinancial.com.au/credit-cards/low-rate/) - [Terms & conditions](https://assets.latitudefinancial.com/legals/credit-card-general-terms-and-conditions.pdf) - [Eligibility](https://www.latitudefinancial.com.au/credit-cards/low-rate/) - [Fees & pricing](https://www.latitudefinancial.com.au/credit-cards/low-rate/) ## Data provenance - Published by Latitude Credit Cards under the Consumer Data Right - Product ID: `fc9d7803-dad4-45a2-9b1b-cebf3bf65653` - Last updated by the provider: 5 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/latitude-credit-cards/fc9d7803-dad4-45a2-9b1b-cebf3bf65653 - Provider page: https://www.cdrcompare.au/brands/latitude-credit-cards --- Source: [CDR Compare](https://www.cdrcompare.au/brands/latitude-credit-cards/products/fc9d7803-dad4-45a2-9b1b-cebf3bf65653) — product data published by Australian data holders under the Consumer Data Right. 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