Low rate, High rewards.
The travel card that loves shopping at home and away!
An everyday credit card with the flexibility of Interest Free payment plans.
Your go-to shopping card for Interest Free plans, Latitude Rewards and so much more!
Access to unrivalled services, exclusive benefits and iconic experiences like no other; unlocked while you shop.
Pay over time with Latitude Interest Free payment plans
There are several ways to pay when you choose a long-term Interest Free payment plan at 100s of retailer partners. Flexible plan lengths might differ by store.
T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may also apply.
Always equal
Equal Monthly plan
Keep it simple and pay the same amount every month.
Total plan amount is paid in the agreed number of monthly payments.
Gives you flexibility to pay out early without any penalty.
Pay extra anytime
Minimum Monthly plan
Available provided you pay your credit card minimum payment each month.
Gives you flexibility to add extra when possible.
Paying this way may not clear the plan within your plan period.
Interest applies on any outstanding balance at the end of your plan period.
Pay anytime
Deferred Payment plan
No need to pay anything upfront.
Make payments at any time it suits you during plan period.
Interest applies on any outstanding balance at the end of your plan period.
Digital wallets
You can pay any way on your phone or wearable tech device with just a tap.
Important information
'INTEREST FREE PLANS' CREDIT CARD PRODUCTS
*Offer only available to new customers, must be approved by 31 March 2026. 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 Latitude Low Rate Mastercard 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 Latitude Low Rate Mastercard credit card account when the balance transfer is processed. Eligibility criteria apply. Subject to approval.
1 Extended Interest Free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.
2 To take advantage of up to 55 days interest free on general credit card purchases, you need to pay the full closing balance (excluding un-expiring 0% Interest Payment Plans) on each statement of account by the applicable due date.
3 T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may apply. Exclusions may apply.
4The 0% Annual Purchase Rate for 9 months is available to applicants who apply for a Latitude Low Rate Mastercard, sign up for the offer, and are approved by 12 January 2026. The purchase rate will be 0% p.a. for the first 9 months from approval, after which it will revert to the standard purchase rate (currently 13.99% p.a., subject to change).
Monthly payments are required (exact amounts specified in your statement). Paying only the minimum monthly payment may not repay the purchase(s) in full before the end of the interest-free period. Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).
Eligible transactions exclude cash advances, balance transfers, cash equivalents, credit fees or charges, credits, refunds, and reimbursements. Your account must remain open to continue receiving interest-free days during the promotional period.
Limited to one offer per applicant. Latitude may vary, extend, or withdraw this offer at any time without notice. Terms & Conditions, annual fee, and other charges apply.
5New applicants approved for a Latitude Low Rate Mastercard by 12 January 2026, who sign up for the offer and make a purchase within 90 days of approval, will have their first year’s annual card fee waived.
After the first year, a $69 annual card fee (subject to change) will apply.
Limited to one offer per applicant. Latitude may vary, extend, or withdraw this offer at any time without notice. Terms & Conditions, annual fee, and other charges apply.
'REWARDS' CREDIT CARD PRODUCTS
6 Earning of David Jones Points is governed by the David Jones Credit Card Rewards Program Terms and Conditions. David Jones Points are earned for every Australian dollar spent on goods and services and are subject to your account being kept in good standing and not overdue or in default.
7 Redemption of David Jones Points is subject to the David Jones Credit Card Rewards Program Terms and Conditions. The amount of David Jones Points required to purchase the item(s) is subject to change at any time. Minimum number of points apply for each type of redemption. Only Primary cardholder is eligible to redeem the David Jones Points.
8 To receive exclusive invitations and discounts you must be opted in to receive marketing communications and continue to spend on your David Jones Premiere or Prestige credit card. Subject to availability.
9 To be eligible to receive complimentary express delivery to any address within Australia you must purchase at David Jones online using your David Jones Premiere or Prestige credit card. Items must be under 25kg and no larger than 1m x 1m x 1.5m. Excludes gift cards, hampers and fresh food, Wine Club, Gift Registry purchases and large items. Refer to www.davidjones.com/delivery-choices for available delivery options offered by David Jones and all eligibility conditions. Delivery options may change during peak periods.
10 Available whenever you purchase using a David Jones Premiere or Prestige credit card instore or online at davidjones.com. Complimentary gift wrap services are not available for larger items and may be limited during peak periods.
14 Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. You can use this amount to select an e gift card via the Latitude App and Latitude Service Centre. Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are directly setup as recurring payments with participating merchants under the following merchant categories codes (MCC):
Utilities (Electricity, Gas, Water) 4900
Telco Services 4812 and 4814
Streaming Services 4899, 5735, and 5815
Exclusions to eligible transactions apply. Merchant categories are determined by a merchant s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like. The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Rewards Program Terms and Conditions
12Other exclusions, T&Cs, monthly credit card fee & other charges apply. Limited to new and approved Latitude GO Mastercard applicants only. Limited to one offer per applicant. To qualify for $300 credit back, you must be approved and fulfil the terms of the offer by spending $1,500 or more each month on general purchases for 4 consecutive months from the date of approval. The $300 credit back will be applied within 60 days from meeting the spend criteria. Must be approved by 31 March 2026. Latitude may vary, extend or withdraw this offer at any time without notice. Excludes any other offers.
General purchases do not include long-term Interest Free payment plans, cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. The account must be open and not in default of the credit contract when the credit back is applied.
GENERAL DISCLOSURES
11 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 Latitude GO Mastercard 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 promotional period. If there is an outstanding balance after the promotional period, interest will be charged at the cash annual percentage 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 Latitude GO Mastercard 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 Credit Card General Terms and Conditions set out the T&Cs of the Latitude GO Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
15$260 Latitude Reward is available to applicants that apply for a Latitude 28° Global Platinum Mastercard and are approved by 26 February 2026. Offer is not available to current 28 Degrees cardholders and is limited to one offer per applicant. To qualify, you must be approved and fulfil on the terms of the offer by spending $2,000 or more on eligible transactions each statement period for 3 months from the date of your approval. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest, and balance transfers into an account. The account must be open and not in default of the credit contract when the redeemable amount is issued. The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days of meeting the spend criteria. The primary cardholder has up to 18 months to redeem from the date of issue. Latitude may vary, extend, or withdraw this offer at any time without notice.
16The $96 annual card fee will be waived for your first year for new and approved Latitude 28° Global Platinum Mastercard customers from 29 May 2025. To have your annual credit card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year. Each subsequent year, you will qualify for a card fee waiver if you spend at least $12,000 on eligible purchases in the preceding 12-month period. Your annual anniversary date is the date your first full statement cycle begins. The $96 annual card fee is subject to change. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Shopper's Protection premiums, interest and balance transfers into an account.
17Latitude 28° Global Platinum Mastercard cardholders will be eligible for a $10 Latitude Reward every statement period which is redeemable for an e-gift card from participating retailers when they spend $1,000 or more on eligible purchases using their credit card within the statement period.
From 29 May 2025, new and approved customers will be eligible for an additional $10 Latitude Reward when they spend a $1,000 or more on eligible purchases in a foreign currency within the statement period. For example, if your total spend on purchases in a foreign currency within a statement period is equivalent to AUD$1,000 or more, you will receive a maximum total of $20 in Latitude Rewards.
Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. The account must be open and not in default of the credit contract when the Latitude Rewards is issued. The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude 28° Global Platinum Mastercard Rewards Program Terms and Conditions.
18General purchases exclude cash advances, cash-equivalent transactions, card fees or charges, credits, refunds, reversed transactions or reimbursements, Interest Free plans, interest and balance transfers into your account. Only fully processed transactions at the end of statement period will count towards the spending requirement; pending transactions will not be considered. The account must be open and not in default of the credit contract when the Rewards are sent to you. Your Rewards will be credited to your account within 90 days of meeting the spend criteria. Latitude may vary, extend, or withdraw this offer at any time without notice.
19 From 04/12/25 to 28/02/26, customers who purchase products from a Harvey Norman®, Domayne® or Joyce Mayne® franchisee using the Latitude 50 Months Interest Free offer (as described above in #1) with a purchase price of $750 or more (Eligible Purchase) will be eligible to receive one Harvey Norman®, Domayne® or Joyce Mayne® gift card (Gift Card). Each Gift Card is issued by Derni Pty Ltd, expires 36 months from the date of issue and is subject to the Gift Card Terms and Conditions available at www.harveynorman.com.au/gift-cards-terms-and-conditions. The applicable Gift Card value is based on the purchase price of the Eligible Purchase: spend $750 or more and receive a $75 Gift Card; spend $1,000 or more and receive a $100 Gift Card; spend $2,000 or more and receive a $200 Gift Card; spend $3,000 or more and receive a $300 Gift Card; spend $4,000 or more and receive a $400 Gift Card; spend $5,000 or more and receive a $500 Gift Card; spend $6,000 or more and receive a $600 Gift Card; spend $7,000 or more and receive a $700 Gift Card; spend $8,000 or more and receive a $800 Gift Card; spend $9,000 or more and receive a $900 Gift Card; spend $10,000 or more and receive a $1,000 Gift Card.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., and App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.
®Registered to BPAY Pty Ltd ABN 69 079 137 518.
Visa and the Visa brand are registered trademarks of Visa International.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Credit and lending criteria apply to this credit card. Refer to Latitude Credit Card General Terms and Conditions for more information.
