The product information below relates to the CreditLine credit card applied for at Apple.
Important notice
You may receive a notification from Latitude regarding your CreditLine card transitioning to a Latitude Gem Visa credit card. Learn more here.
Already using CreditLine?
Don't forget these great features.
0% interest offers 1
To enjoy 0% interest offers, either:
Find an Apple Retail
Store.
Or
Browse Apple Online Store then call Apple on 133 622 to place your
order.
Streamlined costs
Our rates are easy to understand. You only pay a monthly account keeping fee. No annual or establishment fees apply.
Safe and secure
Shop in the knowledge that your card and account are protected by stringent security systemsr.
Flexible payments
Take advantage of 0% interest at Apple. You need to make a minimum monthly payment each month but you have the flexibility to make extra payments at anytime.
Rates & Fees
On purchases $150 and over at Apple1
monthly credit card fee
standard purchase interest rate2
cash advance interest rate2
Before making a decision, please read these documents to ensure you’re aware of all fees, charges and interest rates.
Making the most of your CreditLine
Start shopping
Visit your nearest Apple Retail Store to find your perfect product.
Find a store0% interest offers1
Take advantage of the latest 0% interest offers at Apple.
View offers at AppleShop online
Browse the Apple Online Store, and then call Apple on 133 622 to place your order.
Find a storeFrequently asked questions
Your credit limit can be found on the top right of your monthly CreditLine statement. Alternatively, you can log onto the Online Service Centre to check it at any time.
Your available cash limit can be found under 'Account Summary' in the Online Service Centre. It's also available on your statement. It's important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
If you go over your credit limit, You will receive a message within 2 business days (via email, SMS or post). You should only receive one 'over limit alert' in each statement period. There are no charges for going over your credit limit.We recommend checking your transactions and monitoring your balance via the Online Service Centre . If you're not yet registered, register now.
Apple accept Latitude Gem Visa, GO Mastercard, CreditLine and Buyers Edge cards.
Please note - If you intend to shop at Apple Online Store you must place your order via Apple Telesales (133 622) to be eligible for 0% Interest offers.
All products are eligible for 0% Interest when you spend $150 or more at Apple. This includes hardware, software, and accessories. iTunes and App Store purchases are excluded.
0% Interest offers are available in Apple Retail Stores, Apple Telesales (133 622) only.
It is important to be aware that 0% Interest offers not available for purchases made in Apple Online Store or from Apple Resellers.
You will be able to shop immediately. If you are approved, you will be notified (on-screen as well as by email).
To shop in the Apple Retail Store, Simply take your Approval email and Driver's Licence (or alternative photo ID) in store and an Apple specialist will process your order.
To shop at Apple Online Store, Simply call Apple on 133 622 [Monday to Friday, 9:00am to 9:00pm, Saturday, 9:00am to 6:00pm (AEST)], and a Specialist will place your order over the phone.
We offer convenient ways to pay — via the Latitude App, Latitude Service Centre, Direct Debit, BPAY® or in person; whatever suits you best.
Latitude App
The quickest and easiest way to make a payment. Simply download the Latitude App from the App Store or Google Play. Open the app and create your Latitude ID (this is different to your Online Service Centre login). Once your credit cards are linked, you'll be able to make payments via bank transfer with your BSB and Account Number (Australia only).
Latitude Service Centre
Simply log into the Latitude Service Centre, click 'Pay my Account' and enter your bank details. It only takes a few minutes to sign up — just have your card or 16-digit account number ready.
If you use the Latitude App or Latitude Service Centre via "Pay My Account", you should be aware that payments can take 3-5 business days to clear. We do not charge you a fee for payments made via the Latitude App or the Latitude Service Centre.
Direct Debit
You can set up automatic monthly payments in the Latitude App and Latitude Service Centre. Alternatively, you can complete the online direct debit form in our Help Centre.
BPAY®
BPAY is available 24 hours a day, 7 days a week. To make a payment, quote the AFS Creditline Biller Code (172288), your account number and the amount you want to pay.
Remember payments are processed during business hours and can take up to 3 business days to clear — so make sure you do them well before the due date.
A $1.95 fee applies to each BPAY payment.
Australia Post
Simply take your statement to any Australia Post Office to make a payment. A $3.95 handling fee will be charged for each transaction.
If something changes and you're finding it hard to manage your repayments, don't worry — our Hardship Care team are here to help. We may be able to tailor an arrangement to suit your needs. To learn more, visit our Hardship Care page.
For all other alternative payment methods, visit our Help Centre for more information.
You can change/update your contact details through the Online Service Centre. Once logged in, you can change your details under Manage My Details. If you're not yet registered, register now.
To share the benefits of CreditLine with a family member or loved one, add an additional cardholder using our online application form.
If something changes and you're finding it hard to manage your repayments, don't worry - our Hardship Care team are here to help. We may be able to tailor an arrangement to suit your needs. To learn more, visit our Hardship Care page.
Choosing the right credit card product for your actual needs and uses is not necessarily a set and forget decision. Latitude encourages you to review your requirements regularly. Latitude has a range of credit cards from Interest Free to Travel so the choice is yours.
An overview of Latitude’s credit cards can be found here. Use the drop down to compare different cards by category such as: Interest Free, Low Interest Rate and Travel.
The government’s MoneySmart website is a valuable resource to learn more about borrowing and credit.
The easiest way to change cards is to pay your account in full and close your existing account. You will then need to apply for the card you want – a full assessment is required when you apply.
We no longer authorise credit card purchases registered under a gambling and lottery merchant code. These transactions will include most gambling and lottery purchases.
Gambling and lottery transactions are purchases made at gambling associated venues and online sites.
While we understand that gambling and lottery purchases can form part of normal entertainment and everyday life for many people, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
This decline could be because we no longer authorise gambling and lottery purchases on Latitude products.
We recognise that gambling is a growing issue in Australia, and we are here to help support the financial wellbeing of our customers. While our customers may like the flexibility of using their card for these occasional purchases, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
If you find yourself vulnerable to gambling and you’d like to speak to someone from an independent organisation about your situation, please call Gambling Help Online 1800 858 858
As a result of the gambling and lottery transactions being declined on Latitude products, non-gambling and lottery transactions such as food or beverages purchased at some international casinos may also be affected and is dependent on the way these businesses comply with local laws. Bistros at clubs and sports venues throughout Australia that offer pokies should still accept credit cards for meals and drinks.
We recognise that for many Australians, gambling is a form of entertainment and recreation. Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
Victoria: A venue operator must not allow a person to obtain cash from a facility in the approved venue or a cash advance from a credit account.
Queensland: All automatic teller machines installed in the licensee’s licensed premises are only available for the use of debit cards.
New South Wales: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Northern Territory: ATM and EFTPOS Facilities will only have access to debit accounts; access to credit accounts will not be permitted.
Tasmania: A casino operator must not allow a person to obtain, from a cash facility, a cash advance from a credit account.
South Australia: The holder of a gaming machine license must not provide, or allow another person to provide, a cash facility within a gaming area on the licensed premises.
Australian Capital Territory: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Western Australia: In the gaming areas of the Casino EFTPOS is only to be used to access savings or cheque (not credit) accounts in accordance with relevant legislative and regulatory requirements, and subject to transaction limits.
Over the past 20 years Australian governments have introduced several restrictions on the use of credit cards for gambling. These include:
Australian state and territory governments prohibited access to credit in casino and gambling areas of licensed venues in the early 2000s. This mean a person cannot use a credit card to gamble or withdraw cash from an ATM in gambling areas of licensed venues and casinos. When these reforms were introduced the online gambling did not operate in Australia.
In February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.
On 27 November 2019, the Federal Minister for Minister for Communications, the Hon. Paul Fletcher introduced legislation to establish the National Online Gambling Self-Exclusion Register.
Online and betting apps – Yes. However, in February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering
Poker machines – No credit cards or access to cash advances through ATMS in gambling areas
Casinos – No. Casinos extend lines of credit from their own credit facilities to their customers in VIP rooms, but they do not provide credit cards in those areas
On-track – horse racing and greyhound racing - No credit cards or access to cash advances through ATMS in venue
Lottery tickets/online and in venue – Yes
TAB outlets – No
Your credit limit can be found on the top right of your monthly CreditLine statement. Alternatively, you can log onto the Online Service Centre to check it at any time.
Your available cash limit can be found under 'Account Summary' in the Online Service Centre. It's also available on your statement. It's important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
If you go over your credit limit, You will receive a message within 2 business days (via email, SMS or post). You should only receive one 'over limit alert' in each statement period. There are no charges for going over your credit limit.We recommend checking your transactions and monitoring your balance via the Online Service Centre . If you're not yet registered, register now.
Apple accept Latitude Gem Visa, GO Mastercard, CreditLine and Buyers Edge cards.
Please note - If you intend to shop at Apple Online Store you must place your order via Apple Telesales (133 622) to be eligible for 0% Interest offers.
All products are eligible for 0% Interest when you spend $150 or more at Apple. This includes hardware, software, and accessories. iTunes and App Store purchases are excluded.
0% Interest offers are available in Apple Retail Stores, Apple Telesales (133 622) only.
It is important to be aware that 0% Interest offers not available for purchases made in Apple Online Store or from Apple Resellers.
You will be able to shop immediately. If you are approved, you will be notified (on-screen as well as by email).
To shop in the Apple Retail Store, Simply take your Approval email and Driver's Licence (or alternative photo ID) in store and an Apple specialist will process your order.
To shop at Apple Online Store, Simply call Apple on 133 622 [Monday to Friday, 9:00am to 9:00pm, Saturday, 9:00am to 6:00pm (AEST)], and a Specialist will place your order over the phone.
We offer convenient ways to pay — via the Latitude App, Latitude Service Centre, Direct Debit, BPAY® or in person; whatever suits you best.
Latitude App
The quickest and easiest way to make a payment. Simply download the Latitude App from the App Store or Google Play. Open the app and create your Latitude ID (this is different to your Online Service Centre login). Once your credit cards are linked, you'll be able to make payments via bank transfer with your BSB and Account Number (Australia only).
Latitude Service Centre
Simply log into the Latitude Service Centre, click 'Pay my Account' and enter your bank details. It only takes a few minutes to sign up — just have your card or 16-digit account number ready.
If you use the Latitude App or Latitude Service Centre via "Pay My Account", you should be aware that payments can take 3-5 business days to clear. We do not charge you a fee for payments made via the Latitude App or the Latitude Service Centre.
Direct Debit
You can set up automatic monthly payments in the Latitude App and Latitude Service Centre. Alternatively, you can complete the online direct debit form in our Help Centre.
BPAY®
BPAY is available 24 hours a day, 7 days a week. To make a payment, quote the AFS Creditline Biller Code (172288), your account number and the amount you want to pay.
Remember payments are processed during business hours and can take up to 3 business days to clear — so make sure you do them well before the due date.
A $1.95 fee applies to each BPAY payment.
Australia Post
Simply take your statement to any Australia Post Office to make a payment. A $3.95 handling fee will be charged for each transaction.
If something changes and you're finding it hard to manage your repayments, don't worry — our Hardship Care team are here to help. We may be able to tailor an arrangement to suit your needs. To learn more, visit our Hardship Care page.
For all other alternative payment methods, visit our Help Centre for more information.
You can change/update your contact details through the Online Service Centre. Once logged in, you can change your details under Manage My Details. If you're not yet registered, register now.
To share the benefits of CreditLine with a family member or loved one, add an additional cardholder using our online application form.
If something changes and you're finding it hard to manage your repayments, don't worry - our Hardship Care team are here to help. We may be able to tailor an arrangement to suit your needs. To learn more, visit our Hardship Care page.
Choosing the right credit card product for your actual needs and uses is not necessarily a set and forget decision. Latitude encourages you to review your requirements regularly. Latitude has a range of credit cards from Interest Free to Travel so the choice is yours.
An overview of Latitude’s credit cards can be found here. Use the drop down to compare different cards by category such as: Interest Free, Low Interest Rate and Travel.
The government’s MoneySmart website is a valuable resource to learn more about borrowing and credit.
The easiest way to change cards is to pay your account in full and close your existing account. You will then need to apply for the card you want – a full assessment is required when you apply.
We no longer authorise credit card purchases registered under a gambling and lottery merchant code. These transactions will include most gambling and lottery purchases.
Gambling and lottery transactions are purchases made at gambling associated venues and online sites.
While we understand that gambling and lottery purchases can form part of normal entertainment and everyday life for many people, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
This decline could be because we no longer authorise gambling and lottery purchases on Latitude products.
We recognise that gambling is a growing issue in Australia, and we are here to help support the financial wellbeing of our customers. While our customers may like the flexibility of using their card for these occasional purchases, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
If you find yourself vulnerable to gambling and you’d like to speak to someone from an independent organisation about your situation, please call Gambling Help Online 1800 858 858
As a result of the gambling and lottery transactions being declined on Latitude products, non-gambling and lottery transactions such as food or beverages purchased at some international casinos may also be affected and is dependent on the way these businesses comply with local laws. Bistros at clubs and sports venues throughout Australia that offer pokies should still accept credit cards for meals and drinks.
We recognise that for many Australians, gambling is a form of entertainment and recreation. Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
Victoria: A venue operator must not allow a person to obtain cash from a facility in the approved venue or a cash advance from a credit account.
Queensland: All automatic teller machines installed in the licensee’s licensed premises are only available for the use of debit cards.
New South Wales: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Northern Territory: ATM and EFTPOS Facilities will only have access to debit accounts; access to credit accounts will not be permitted.
Tasmania: A casino operator must not allow a person to obtain, from a cash facility, a cash advance from a credit account.
South Australia: The holder of a gaming machine license must not provide, or allow another person to provide, a cash facility within a gaming area on the licensed premises.
Australian Capital Territory: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Western Australia: In the gaming areas of the Casino EFTPOS is only to be used to access savings or cheque (not credit) accounts in accordance with relevant legislative and regulatory requirements, and subject to transaction limits.
Over the past 20 years Australian governments have introduced several restrictions on the use of credit cards for gambling. These include:
Australian state and territory governments prohibited access to credit in casino and gambling areas of licensed venues in the early 2000s. This mean a person cannot use a credit card to gamble or withdraw cash from an ATM in gambling areas of licensed venues and casinos. When these reforms were introduced the online gambling did not operate in Australia.
In February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.
On 27 November 2019, the Federal Minister for Minister for Communications, the Hon. Paul Fletcher introduced legislation to establish the National Online Gambling Self-Exclusion Register.
Online and betting apps – Yes. However, in February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering
Poker machines – No credit cards or access to cash advances through ATMS in gambling areas
Casinos – No. Casinos extend lines of credit from their own credit facilities to their customers in VIP rooms, but they do not provide credit cards in those areas
On-track – horse racing and greyhound racing - No credit cards or access to cash advances through ATMS in venue
Lottery tickets/online and in venue – Yes
TAB outlets – No
Important information
1 Extended Interest Free terms may vary. Available at Apple Retail Stores & the Apple Online Store. Online purchases must be made via Apple Telesales on 133 622. Approved applicants only. Conditions, fees and charges apply. Interest and payments are payable after the interest free period expires if you do not adhere to conditions of the interest free plan. At the end of the plan, interest will be charged at 25.90% p.a. (subject to change) to any remaining balance on the expiry of the interest free term. Monthly account service fee $5.95 (subject to change) applies. Interest may also apply to other credit card transactions, or if you do not comply with the T&C's. The Conditions of Use (as applicable) specify all other conditions for this offer. Also available on other participating Latitude Credit Cards. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
2 The same rate applies to interest bearing balances such as cash advances and outstanding retail purchases balances after an interest free promotion period is over.