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Get 6.99% p.a. for 12 months on balance transfers.

3% balance transfer fee applies.

Visit the Latitude Service Centre or Latitude App to apply.

How to apply

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  1. Visit Latitude Service Centre by clicking the Log in button in the top right corner or open the Latitude App (please ensure you download the latest version)
  2. Log in using your Latitude ID.
  3. Select the Balance Transfer tab and fill in the form.
  4. If you don't have a Latitude ID, simply register from the login page and follow the steps above.
  5. For more information on Terms and Conditions click here

Frequently Asked Questions

You will need to pay a once-off balance transfer fee of 3% of the balance transfer amount or in accordance with the specific balance transfer offer when you take up a promotional offer. This fee is charged to your participating Latitude credit card account when your balance transfer is processed.

The minimum amount is $500 and your total balance transfer amount cannot exceed 85% of your credit limit (excluding any applicable balance transfer fee charged).

For example, if your credit limit is $10,000, the maximum balance transfer amount is $8,500. If you have a current balance of $3,000, this amount is deducted from $8,500 and as a result your maximum balance transfer amount is $5,500.

Your monthly statement will specify the minimum amount you will need to pay each month. This amount also includes 3% of the balance transfer. However, if you only make the minimum monthly payment, you may not pay out the balance transfer amount before the end of the promotional period.

If there is an outstanding balance after the promotional period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).

No. Once Latitude has paid the balance on your other credit card account(s), it's your choice whether you close that card account(s). Remember, it's a good idea to close other credit card account(s) to clear or reduce your credit card debt.

Balance transfers can take up to 10 business days to process depending on the institution(s) to which the payments are being made. Please notify us if the balance transfer does not appear on your statement of nominated account.

If your Latitude credit card has interest free payment plans available for purchases, then you can still choose to make these purchases up to your available credit limit, after the balance transfer transaction is processed.

Important information

* Balance transfer applies to eligible customer's Australian non-Latitude credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your participating Latitude credit card’s credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the plan period. If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change). A once-off balance transfer fee of 3% applies to the amount being transferred. This will be charged to your participating Latitude credit card account when the balance transfer is processed. Offer only available to existing customers who have submitted the application form. Eligibility criteria apply. Subject to approval.

Latitude General Terms and Conditions set out the T&Cs of the participating Latitude credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.