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Latitude Mastercard



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



  • Free Supplementary Cards
  • Purchase Protection


The Latitude Financial Services Latitude Mastercard has high interest rates, a moderate annual fee and a moderate late or missed payment fee. The card does not have an associated rewards scheme. The card does not include any complimentary travel insurance.

The Latitude Financial Services Latitude Mastercard charges several foreign spending fees, including an overseas ATM fee and an international transaction fee.

The Latitude Mastercard allows customers to manage their money online, with access to their Latitude Financial Services account at any time. Customers can also choose to protect their card and purchases with shopper’s protection insurance. Shopper’s protection insurance covers your card if it becomes lost or stolen as well as protects your purchases.

The Latitude Financial Services Latitude Mastercard is eligible for Apple Pay, allowing customers to make secure purchases with their mobile devices.

  • Shopper’s protection insurance
  • Eligible for Apple Pay
  • Online banking services
  • High interest rates
  • Annual fee charged
  • No frequent flyer points


Who is it good for?

The Latitude Financial Services Latitude Mastercard may suit current Latitude customers who want to keep their banking under one roof. The card has moderate fees and may be suited for everyday spending.

This credit card is not particularly well suited to budget card holders. The high interest rates make this card better for customers who are confident about paying their bill in full each month. The Latitude Mastercard has a moderate annual fee that may deter those who wish to minimise credit card costs.

The Latitude Mastercard is also not a good fit for credit card customers who want rewards. The card does not have an associated reward scheme and does not earn points for purchases. For those looking for a rewards card, it may be best to shop the market and find a rewards scheme that best fits your preferences. 

What RateCity says

The Latitude Financial Services Latitude Mastercard may be a convenient choice for existing Latitude customers. However, the card offers little benefit to most other potential card holders.

This credit card does not offer a rewards scheme for customers who wish to earn frequent flyer benefits or rewards points for cash back. The card also does not offer complimentary insurances, but rather provides an optional purchase protection insurance. For customers in search of rewards, there are cards with a reward scheme to fit their needs.

With high interest rates and moderate fees, this card also offers few advantages to the budget card holder. Customers who struggle to pay off their bill each month should consider a card without an annual fee and lower rates. Card holders with current debt may benefit from a card that has an introductory balance transfer offer.


In order to be eligible for the Latitude Financial Services Latitude Mastercard, you must be at least 18 years old and meet serviceability criteria. When applying, there may be important documents to have handy. The applications may require you to give proof of your identity with an Australian driver’s licence or passport. You may also need to submit financial details such as recent payslips, bank statements, expenses or employment details.

About Latitude Financial Services

Latitude Financial Services is an independent financial services provider operating in Australia and New Zealand. Latitude serves more than 2.5 million consumer customers, offering a wide range of financial products including credit cards, personal loans and consumer credit insurance. Although Latitude Financial Services is known for their banking products for individuals, Latitude also services business and retail clients. Formerly called GE Capital Finance, Latitude Financial Services was renamed in 2014.

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