Latitude Credit CardsLatitude 28° Global Platinum Mastercard
The Latitude 28° Global Platinum Mastercard offers $0 international transaction fees on purchases, $0 currency conversion fees, complimentary travel and purchase protection insurance, up to 55 days interest free on purchases when paid in full by the due date, and access to Latitude Rewards including cashback offers from partner merchants. Annual fee of $96 (waived for the first year). Minimum credit limit $1,000.
At a glance
- Purchase rate
- 28.99%
- Cash advance
- 29.99%
- Interest-free days
- 55
- Annual fee
- $96
- Rewards
- Latitude Rewards
- Balance transfer
- 0.00% for 1 yr
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 28.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.95%of 51 institutions | 51st lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 28.99% | 9.90%Westpac Lite Card | 19.99%of 25 institutions | 25th lowest of 25 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Latitude Credit Cards publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferAlways on BT - 0% for 12 months on Balance Transfers with a 3% BT fee. | - | 1 yr intro | - | 0.00% | - | - |
| Balance transfer29.99% p.a. interest rate on balance transfers. | - | 13 mo intro | - | 29.99% | - | - |
| Cash advance29.99% p.a. interest rate on cash advances. | - | - | - | 29.99% | - | - |
| Purchase28.99% p.a. interest rate on purchases. | - | - | - | 28.99% | - | - |
Fees
10 fees published, grouped by when they're charged.
While you hold it3
- Additional Cardholder Fee
$0 additional cardholder fee.
No fee - Annual Fee
Annual fee of $96. Waived for the first year. $96 annual fee is waived for the first year. $96 annual fee is waived in the second and subsequent years if eligible spend in the prior 12 months is $12,000 or more
$96 a year - Paper Statement Fee
$5.00 paper statement fee. You can avoid this fee by opting to receive statements online via the Latitude Service Centre.
$5 every 1 days
When you make a transaction4
- Cash Advance Fee
3.5% of the cash advance or $4 (whichever is greater).
3.50% of transaction - Payment Handling Fees
$3.95 (in person at Australia Post), $1.95 (online using BPAY®). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre.
$0 to $3.95 - Currency Conversion Fee
$0 currency conversion fees on purchases.
No fee - International Transaction Fee
$0 international transaction fees on purchases.
No fee
If a payment is late or fails1
- Late Fee
Fee charged when a minimum payment is not received by the due date.
$45
Other fees2
- Balance Transfer Fee
Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer.
3.00% of transaction - Credit Balance Processing Fee
The amount will be the lesser of your balance or $19.99
$0 to $19.99capped at $19.99
Features
- $0 Foreign Transaction Fee Whether you're shopping online or abroad, you'll enjoy a $0 international transaction fee & great exchange rates.
- First year $0 annual fee Plus, spend $12k yearly on eligible purchases to have your fee waived year after year6.Use our spend Tracker
- Get a bonus $260 in Latitude Rewards when you spend $2,200 or more each month for your first 3 months. New customers only, approved by 31 July 2026. Plus, get ongoing Latitude Rewards: Up to $240 eac…
- Free Flight Delay Pass & Global Data Roaming Access to a selection of airport lounges if your flight is delayed 2+ hours. Stay in touch with 3GB free global data each year and 15% off any extra data…
- Unmissable every day and travel offers Enjoy a range of credit back offers, discounts and deals from big brands at home and abroad, like Mastercard Priceless Specials, Expedia and Wotif.
- Top-rated app to complement your card With a 4.8/5 App Store rating, the Latitude App helps you stay on top of payments and never miss a due date.
- Great foreign exchange rates Set by our partners at Mastercard. So you get foreign currencies at the same rate we do.
- Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.50% of the closing balance, shown on your statement of account. If your outsta…
Eligibility and limits
- Minimum age 18
- Residency: Australian resident
- Minimum income $20,000
- Available to individuals
- Amount from $1,000, no maximum
- Able to supply identification and financial details A copy of your driver's licence, passport or proof of age card. Details of your income, assets and debts. Employer's name and contact details.
- Credit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
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Published by Latitude Credit Cards under the Consumer Data Right, last changed by them on 5 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.