Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

Card features
balance transfer
purchase rate
annual fee
Latitude Infinity Rewards Visa
Latitude Infinity Rewards Visa
Unlimited points that never expire.
Earn 1 pt per $1 spent on purchases.
Minimum credit limit of $1,000.
Add to comparison
20.69% p.a.

Pros & cons

What's good?

What's not so good?

Unlimited points that never expire.
Earn 1 pt per $1 spent with every eligible purchase you make with this card.
$69 p.a. annual fee.
Minimum credit limit of $1,000.
Redeem rewards from the Latitude Infinity Rewards shop.
Up to 55 days on purchases.
Pay with your choice of mobile or wearable wallet using Latitude Pay Any Way — Apple Pay™, Google Pay™, Samsung Pay™, Fitbit Pay™, and Garmin™.
Interest rate of 20.69% p.a. on purchases and cash advances are quite high.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

Our review

Our review of the Latitude Infinity Rewards VisaReviewed by Yvonne Taylor

If you’re looking for a down-to earth rewards card that’s easy to get your head around, you may well find it in the Latitude Infinity Rewards Visa, because it’s designed around three simple concepts:

  • Points never expire, as long as your card account is current
  • Points are unlimited – no cap or threshold
  • Earn one point per dollar on all eligible purchases

That’s it. It’s totally straightforward, its $69 annual fee won’t cause a budget blowout, and its low $1,000 minimum credit limit makes it a great card for finding your feet in the world of rewards points.

Who are Latitude Financial Services?

Latitude Financial Services (formerly GE Capital Finance), the issuer of this card, is a consumer financial services provider in Australia and New Zealand. As well as credit cards they offer loans and insurance, and they are the group behind the 28 Degrees Platinum Mastercard, popular with travellers and online shoppers because it does not levy foreign transaction and currency conversion fees.

Now they’ve added a rewards card to their range of cards.

Interest rate is high, because it’s a rewards card

The card’s 20.69 percent p.a. interest rate on both purchases and cash advances won’t appeal to anyone not expecting to pay off their purchases balance every month.

But if you’re wondering why you rarely see a rewards card with a low interest rate, it’s because the two concepts – rewards points and a low interest rate – simply don’t belong on the same card. It doesn’t make sense to pay interest charges on purchases made for the sake of earning rewards points, since the cost of the points will be far greater than the value of any cash or merchandise redemptions you could make.

So if you’re looking for a low-interest starter card, check out the cards listed on our ‘Low Interest’ page instead, and come back to look for a rewards card when your budget will let you earn points without paying interest.

Up to 55 days interest free every month

Get the best value from the card by taking advantage of the up to 55 interest-free days allowed every month, provided you pay off the balance in full on or before the due date. If you time your major purchases to occur near the beginning of the billing cycle, you get the benefit of using someone else’s cash free of charge for nearly two months.

How quickly will you recover the annual fee in points redemption value?

Latitude says that you will receive $20 of value for every 2,000 points earned, which is another way of saying “Spend $2,000 and get $20 back”, or “Each point is worth 1.0 cents”. This is, in fact, a very good rate of return for a rewards card not attached to a frequent flyer program.

So to recover the $69 annual fee you would need to spend $6,900. If you were to spend $1,000 per month using the card, you would recover the fee before the end of the 7th month, and you’d be $51 ahead by the end of the year.

Latitude Infinity Rewards redemption options

The online store offers the usual range of redemption options, including:

  • Retail, travel, accommodation and service station gift cards at the rate of $20 for 2,000 points, as promised
  • Movie tickets, e.g. 4,200 points for two adult Village/Event National Screen Saver tickets
  • Experiences, e.g. 4,000 points for a one-hour horse riding lesson for kids
  • Electronics and homewares, e.g. 8,500 points for a Russell Hobbs sandwich press

Special offers for cardholders

From time to time, cardholders will be offered special privileges and discounts via the Visa network. At the time of writing, for example, the offers included accommodation discounts and free breakfast at Swissotel and Preferred Hotel branded hotels and resorts, $30 discount on skydiving, and tour discounts in Hawaii and Dubai.

Easy ways to pay your account balance

You’re certainly unlikely to see a Latitude Financial Services branch in your local shopping centre anytime soon, but that’s not a problem because there’s no shortage of easy ways to manage your account. You can pay from your bank account via the Online Service Centre, or by automated direct debit, by BPAY, by mail, or in person at an Australia Post outlet (a $2.50 fee applies for this last service).

Other low-cost rewards cards to consider

If you are looking for rewards from a card that doesn’t have too many attached complimentary benefits (such as travel insurance) to drive up the annual fee, check out the American Express Essential Credit Card and the Coles No Annual Fee Mastercard.

A great way to get started with rewards points

If you’ve never had a rewards card before, this card could be a good starting point. It has the virtue of being uncomplicated (1.0 points per dollar spent, no points cap, no points expiry) and the redemption options are not so extensive that they are bewildering.

Better still, the amount of spending required to offset the annual fee and get into positive earning territory (with gift cards) is far less than the amount required by many competing credit cards. It could turn out to be the only rewards card you’ll ever need.

Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Latitude Infinity Rewards
Temporary residents


Additional cardholders
Additional card fee
$9 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Statement date
Interest free period
Up to 55 days on purchases
Minimum repayment
Whichever is greater, $10 or 2.22%

Rates & fees

Ongoing interest rates

Cash advances 1.72% 20.69% p.a.
Purchases 1.72% 20.69% p.a.


Annual fee
$69 p.a.
Cash advance fee
whichever is greater, $1.95 or 3%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Rewards program basics

First purchase bonus
Reward points expiry
Never as long as you keep your account active
Rewards program
Latitude Infinity Rewards
Sign up bonus
Spend required for bonus points

Earning points with this card

Frequent flyer points
Overseas earn rate
Same as standard earn rate
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Temporary residents are not eligible
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

Protect your identity. Monitor your credit score for free.

Join more than 13,000 Australians and get your score today.
  1. Protect yourself from identity fraud
    Get alerted to large credit score drops.
  2. Know where you stand
    The banks know your score. Shouldn’t you too?
  3. Avoid a nasty surprise
    Before applying, check if your credit is good enough.
  4. Always with you
    Check online or download the app.
People are happy
Rated 4.8 out of 5 for customer satisfaction.
You may have seen us in
Compare these cards: