Latitude Low Rate Mastercard
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.
- Purchase rate
- 13.99%
- Annual fee
- $69.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| 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% | — | — |
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. |
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 24 months When you apply, are approved, and transfer your balance by 31 July 2026. 3% balance transfer fee applies. New customers only. 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. Eligibility criteria apply.
- 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.
Eligibility
- Minimum age — 18 yearsApplicants 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 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.
- 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 — $1,000.00Min 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
Published by Latitude Credit Cards under the Consumer Data Right · Last updated 14 July 2026 · Product ID fc9d7803-dad4-45a2-9b1b-cebf3bf65653