Latitude Credit Cards Comparison and Review

Latitude credit cards are a type of credit card that offers rewards and benefits to cardholders, but they can also come with high interest rates and fees.

Latitude 28.8 credit cards offer a 28.8% p.a. purchase rate and a $99 annual fee, making them a good option for those who can pay their balance in full each month.

Latitude Credit Cards offer a range of rewards and benefits, including cashback, travel insurance, and purchase protection.

The Latitude Credit Card has a 45-day interest-free period, which can help cardholders avoid interest charges if they pay their balance in full within this time.

Latitude Financial Services offers a range of credit cards to suit different spending habits and financial needs.

One type of credit card they offer is the Latitude GO Mastercard and Latitude Gem Visa, which provide long 0% interest payment plans at partnered stores.

These plans can be a great option for those who need to finance a large purchase, with interest-free finance plans available for between 12 and 60 months.

However, it's worth noting that monthly fees of $10.95 apply, so it's not entirely 'free'.

The Latitude 28° Global Platinum Mastercard is another option, which offers 0% foreign transaction fees and free global data roaming with Flexiroam.

Additionally, this card provides airport lounge access if an eligible flight's delayed.

Overall, Latitude Financial Services offers a variety of credit cards to suit different needs, but it's essential to understand the terms and conditions of each card before applying.

Here's a summary of the types of credit cards offered by Latitude Financial Services:

To apply for a Latitude credit card, you can visit the Latitude Financial Services website and navigate to the credit cards section. The online application form can be filled out in around 10 minutes with all the necessary details.

You'll need to provide personal, financial, and employment details. You can also apply by contacting Latitude's customer service directly. After submitting your application, you'll get a response within 60 seconds with details of whether your application has been approved, declined or if Latitude needs more details before making a decision.

To be eligible for a Latitude credit card, you'll need to meet certain requirements. These include being an Australian resident, at least 18 years of age, and having a regular source of income.

Here are the specific eligibility requirements:

To be eligible for a credit card, you'll need to meet certain requirements.

You must be a permanent Australian resident or citizen, or a temporary resident with the right to work in Australia for at least 12 months and proof of your intention to stay that long.

Age is also a factor, and you must be at least 18 years old.

You'll also need to have a regular source of income.

Here are the key eligibility requirements at a glance:

Applying for a Latitude credit card is a relatively straightforward process that can be completed online in a short amount of time. You can apply for a Latitude credit card online in around 10 minutes when you have all the details you need to fill in the secure application form.

To get started, you'll need to visit the Latitude Financial Services website and navigate to the credit cards section. Here, you'll find detailed information about each card and a link to the online application form. You can also apply by contacting Latitude's customer service directly.

The application process typically involves providing personal, financial, and employment details. You can expect to fill out the online application form with your personal and financial details, and be sure to provide accurate information.

Once you've submitted your application, Latitude may require additional documentation to verify your identity and income. This is a normal part of the process, and it's essential to provide any requested documents promptly.

If your application is approved, you can expect to receive your new credit card in the mail along with relevant documents and instructions. This usually happens within a few days of approval.

Here's a general overview of the application process:

You can expect to get a response within 60 seconds after submitting your application, with details of whether your application has been approved, declined, or if Latitude needs more details before making a decision.

You can make payments with your Latitude credit card using a variety of digital wallet apps, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Latitude offers flexible rewards programs on some of its credit cards, such as cashback, frequent flyer points, or rewards that can be redeemed for various benefits. These rewards programs can be a great way to earn points on eligible purchases.

Some Latitude credit cards also come with interest-free periods on purchases, allowing you to manage your expenses without incurring interest. This can be a huge perk for those who need to make large purchases.

With Latitude, you can enjoy competitive interest rates on purchases and balance transfers with certain credit cards. This can help you save money on interest charges and pay off your balance faster.

Here are some additional perks you can expect from Latitude credit cards:

Getting a Latitude credit card offers numerous benefits, including access to digital wallet apps like Apple Pay, Google Pay, and Samsung Pay, which allow you to make payments directly from your mobile device.

You can also enjoy exclusive offers for shopping, dining, travel, and entertainment through Mastercard Priceless, if you have a Latitude Mastercard credit card. Additionally, Latitude Gem Visa offers a digital card that can be used as soon as your application is approved.

Latitude credit cards often come with flexible rewards programs, interest-free periods, competitive rates, and additional perks like complimentary insurance and concierge services. The Latitude 28° Global Platinum Mastercard, for instance, offers no foreign exchange fees on purchases and provides credit back and discounts from big brands.

Some Latitude credit cards, like the Latitude 28° Global Platinum Mastercard, have a high purchase interest rate of 27.99% p.a. and a cash advance rate of 29.99% p.a. However, they also offer benefits like free access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.

You can earn up to $120 in Latitude Rewards by spending $1,000 or more on eligible transactions each month for 12 months with the Latitude 28° Global Platinum Mastercard. The card also comes with a monthly fee of $8, which totals $96 annually.

Here are some of the benefits you can expect from Latitude credit cards:

Latitude credit cards offer a range of benefits and features that can help you manage your finances and earn rewards.

Interest-free days are available on purchases, allowing you to pay off your balance without incurring interest for up to 55 days.

You can also take advantage of purchase rate offers for new Latitude cardholders, which provide an introductory period of low or no interest on purchases. This can be a great option if you want to put something big on your card and pay it off without interest.

Many Latitude credit cards have interest-free offers as standard, so be sure to check the small print to find out the details.

Latitude 28° Global Platinum Mastercard offers several benefits, including no foreign transaction fees, free airport lounge access, and the ability to earn up to $120 in Latitude Rewards.

The card also comes with a monthly fee of $8, which is a fair cost considering the benefits it provides.

You can earn rewards on your Latitude credit card by spending a certain amount with participating retailers or through the Latitude Rewards program.

Introductory offers on Latitude credit cards can provide low or no interest on purchases for a certain period of time, making it easier to pay off your balance.

Some Latitude credit cards offer balance transfer offers, allowing you to transfer a balance from an existing card and pay low or no interest for a certain period of time.

Here are some key benefits and features of Latitude credit cards:

Be sure to read the fine print and understand the terms and conditions of your credit card to get the most out of its benefits and features.

At Credit Card Compare, we want to help you make informed financial decisions by providing a free comparison service.

Our team of experts reviews products from various banks, including Latitude Financial Services, to give you a comprehensive understanding of their offerings.

We do this by comparing key features such as interest rates, fees, and rewards programs, so you can make an informed decision about which credit card best suits your needs.

Latitude Financial Services offers a range of credit cards, but it's essential to compare them to other banks to ensure you get the best deal.

By using our comparison service, you can quickly and easily compare Latitude Financial Services credit cards against other banks, helping you make a more informed decision.

Latitude credit cards have a range of fees and charges that you should be aware of.

Annual fees for Latitude credit cards can be as low as $59 per year, but some cards have a higher fee of up to $129 per year.

In addition to annual fees, Latitude credit cards may also charge interest on outstanding balances, with interest rates ranging from 19.99% to 25.99% per annum.

If you're not careful, these interest rates can add up quickly, so it's essential to pay your balance in full each month to avoid interest charges.

Yes, some credit cards come with an annual fee, which varies depending on the card you choose.

Some cards offer options without annual fees, but these may have different benefits compared to those that do charge a fee.

You should review the terms and conditions of each card to understand the associated fees.

You can transfer a balance from an existing card to a balance transfer card and pay low or no interest for a certain period of time.

This can be a great way to pay down existing credit card debt while avoiding interest. Any balance left unpaid when the intro period ends attracts the card's revert rate.

You can get up to 17 months interest-free on purchases, or 0% p.a. interest for 12 months with an ongoing $0 annual fee.

You can manage your Latitude credit card account online by registering for Latitude's online service. This allows you to view statements, make payments, check your balance, and update personal details anytime.

Having a clear picture of your finances is essential, and Latitude's online service makes it easy to stay on top of your spending. You can access your account information 24/7, giving you the flexibility to manage your finances at your convenience.

To get started, simply register for Latitude's online service and you'll be able to view your statements, make payments, and check your balance whenever you need to.

The Latitude 28° Global Platinum Mastercard has its pros and cons. One of the main advantages is that it offers waived fees for international transactions and currency conversions. This means you won't have to worry about extra charges when making purchases overseas or online.

The card also comes with some great travel perks, including the Flight Delay Pass, which grants you and four friends access to global lounge key lounges, drinks, and WiFi if your flight is delayed by two hours or more. You'll also get great foreign exchange rates set by Mastercard.

Some other benefits include free global data roaming with 3 GB of free data each year for 15 days, plus 15% off extra data from Flexiroam when you pay with the card. You can also earn up to $120 in Latitude Rewards that can be redeemed for eGift cards to spend with participating retailers when you spend $1,000 or more on eligible transactions every statement period.

Here are some of the key benefits at a glance:

However, it's worth noting that the interest rates are quite high at 27.99% p.a., and there's also a cash advance rate of 29.99% p.a. Additionally, BPAY payments are charged at $1.95 online and $3.95 for in-person payments, although you can avoid these fees by making your payments via direct debit or the Latitude Service Centre.

Latitude Financial Services Credit Cards offer a versatile rewards program, allowing cardholders to earn points that can be redeemed for various rewards such as travel, merchandise, or cashback, providing flexibility and value.

Their credit cards often come with competitive interest rates, making them an attractive option for those seeking affordable credit options.

Some Latitude credit cards have no annual fees, which can be a significant advantage for cardholders looking to minimize their costs and maximize their savings.

Latitude credit cards are widely accepted domestically and internationally, providing convenience and flexibility for cardholders who frequently travel or shop online.

With some cards, cardholders may also enjoy additional perks like complimentary insurance coverage, extended warranty protection, and purchase protection, enhancing the overall value proposition for cardholders.

Latitude Financial Services Credit Cards have some great perks, but also some downsides to consider.

The rewards program is a key feature, but redemption options may be limited, which could reduce its value for some cardholders.

One of the best features is that there are no international transaction fees or currency conversion fees on overseas and online purchases.

However, cardholders who carry a balance from month to month may still incur high-interest charges, potentially offsetting any savings from lower interest rates.

Latitude Financial Services Credit Cards offer waived fees for online payments, except for BPAY, which costs $1.95 online and $3.95 for in-person payments.

Travel perks are also a highlight, with the Flight Delay Pass giving you and 4 friends access to global LoungeKey lounges, drinks, and WiFi if your flight is delayed by 2 hours or more.

Shopping perks include earning up to $120 in Latitude Rewards that can be redeemed for eGift cards to spend with participating retailers.

Freebies abound, with free global data roaming and 15% off extra data from Flexiroam when you pay with the Latitude 28° Global Platinum Mastercard.

Discounts are also available through Mastercard’s Priceless Specials and Priceless Experiences, offering discounts on hundreds of brands.

However, interest rates are high at 27.99% p.a. and a cash advance rate of 29.99% p.a.

Here are some key fees to keep in mind: