The Latitude Infinity Visa by Latitude Financial Services offers a moderate number of interest-free days and a high interest rate for a moderate annual fee.
As a cardholder you have the ability to earn one point for every dollar you spend. The Infinity Rewards program offers unlimited points-earning potential.
You can use the Latitude Infinity card to earn points anywhere Visa is accepted. And purchases can be protected by taking out optional shopper’s protection insurance.
The Latitude Infinity account can be managed online, and repayments can be made by direct debit, Bpay, through the mail or at an Australia Post office.
There is a fee for additional cardholders, each of whom must be aged at least 16 years old. The maximum approved credit limit for this Visa depends on affordability.
- Earn unlimited points
- Additional cardholders
- Moderate interest-free days
- Annual fee charged
- Late payment fee charged
- Annual additional cardholder fee
Who is it good for?
If you want a credit card without many added extras, or flexible payment or purchase options, this could be for you.
The Latitude Infinity credit card is a basic Visa card offering points that are only redeemable through the Infinity Rewards program. Points earned are not transferrable to other programs such as flybuys or Frequent Flyer memberships.
The Latitude Infinity Visa card does not have smart-pay features such as Apple Pay or Samsung Pay. It offers a moderate number of interest-free days and a high purchase and cash advance rate.
The security features of this credit card need to be purchased. You have the option of safeguarding eligible purchases and repayments with credit card protection from Latitude Insurance.
You can opt-in for credit limit increases when applying for this credit card. This consent allows you to receive invitations to apply for an increase in your credit limit when eligible.
What RateCity says
The Latitude Infinity Visa is a very basic credit card with few fringe benefits. It’s one of the more expensive products available and offers little in return.
Points earned – although uncapped – can only be redeemed via the Infinity Rewards website. It’s worth reviewing the Latitude Infinity Rewards catalogue to see whether it appeals.
This credit card does not come with any buyer protections. Credit card insurance can be purchased from Latitude Insurance. This is worth considering when adding up the annual fees payable for this credit card.
No flexible purchase and payment options means that you must carry the physical card with you if you wish to use it. It cannot be linked to a bank account, although you can set up a direct debit for repayments.
The Latitude Infinity Visa replaces the Myer store card.
To be eligible for the Latitude Infinity Visa you need to be 18 years old and be a permanent Australian resident. When applying you need to have your financial and income details handy, including a residential address, postal address (if different from residential) and relevant contact information. You will also need to provide your Australian driver’s licence or another form of acceptable photographic identification. This could be a NSW photo card or current passport.
About Latitude Financial Services
Formerly GE Capital, Latitude Financial Services is a finance company in Australia and New Zealand, offering loans, credit cards, insurance and retail finance. Latitude Financial Services has more than 2.5 million customers, and offers sales finance, credit cards, personal loans and consumer credit insurance. The company also offers financing solutions for retail partners, managing credit applications, credit authorisation, billing, remittance and customer service processing. Latitude has a hardship team to help those who are struggling to meet repayments.