Apply by 28 August 2025
Latitude 28° Global Platinum Mastercard

Not available for application via this website

Latitude 28° Global Platinum Mastercard

3.3

Balance transfer

12 months at 6.99% p.a.

Purchase rate

27.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Highlights

  • Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 28 August 2025. Get a bonus $100 in Latitude Rewards each month when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
  • Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
  • There are no foreign transaction fees for purchases during travel or online shopping.
  • Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.


*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 28 August 2025. Minimum spend applies.

Pros and cons

Pros

  • Double your Latitude Rewards up to $240. New customers only.
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). 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).
  • The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
  • Save up to 10% on your next holiday when booking with Expedia, or Wotif.
  • The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
  • Comes with Purchase Protection and E-commerce insurance.
  • Add an additional cardholder at no extra cost.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • A high purchase interest rate of 27.99% p.a.
  • The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
9
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
6.99%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
3%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
85%
Balance Transfer Revert Rate
29.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
29.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
27.99% p.a.

Account fees

Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$96.00
Dishonour Fee
N/A
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$45.00

Rewards

Rewards program basics

Rewards Program
Latitude Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
Yes
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Best travel card in Oz!

    Reviewed by Ryan


    Best card when travelling

    Reviewed by cherylh


    Love this card

    Reviewed by Macca


    28 degrees of ease!

    Reviewed by Dave


    Quite happy with this card

    Reviewed by Alison


    Fairly pleased with the card

    Reviewed by Clinton Koch


    Still the cheapest for travel

    Reviewed by Neil


    Extremely high interest rates stung me

    Reviewed by Ali


    Interest rate is high now

    Reviewed by Joanne


    Very convenient card for overseas purchases

    Reviewed by Priska


    Great card for using overseas

    Reviewed by Hugo


    Good for holidays

    Reviewed by Nok


    Useful card and handy for overseas purchases

    Reviewed by Paul


    Best card on the market

    Reviewed by Reg


    Great card for travelling overseas

    Reviewed by Alyssa


    Great for online and overseas purchases

    Reviewed by Dale


    The card for me

    Reviewed by Eric


    Great for use overseas

    Reviewed by Leah


    Good for overseas travel

    Reviewed by Davin


    No international transaction fees

    Reviewed by M


    Best card around, perfect fit for my needs!

    Reviewed by Kimberly


    No international transaction fee

    Reviewed by Syl


    Fast, uncomplicated approval process

    Reviewed by dominic schipano


    Go Card

    Reviewed by Debbie


    Great for overseas purchases and/or travelling

    Reviewed by Karen


    Best card for overseas purchases

    Reviewed by Michael


    Good for overseas travel but no rewards

    Reviewed by Sue


    Useful for overseas purchases

    Reviewed by Anna


    It has all the benefits I need

    Reviewed by mohammed i


    No currency conversion fees

    Reviewed by Jason


    Exchange rate not what I expected

    Reviewed by S


    Best travel card

    Reviewed by Roz


    Simply the best

    Reviewed by Reg


    Best travel credit card out there!

    Reviewed by Kyria


    Great card for overseas travellers

    Reviewed by Marion


    Good for travel but high interest rate

    Reviewed by Jay


    Great card for overseas travel and security

    Reviewed by Liz


    Problems understanding service operators

    Reviewed by Roswitha


    Good choice for low-cost travel money

    Reviewed by Claire


    No annual fees, accepted everywhere

    Reviewed by Amanda


    Service staff helped me get a refund overseas

    Reviewed by Sue


    Excellent for foreign purchases

    Reviewed by L


    No yearly fee, no international transactions fees

    Reviewed by M


    Good for foreign purchases

    Reviewed by Andrew


    Quick, simple application and approval

    Reviewed by Courtney


    Very expensive fees

    Reviewed by Paul


    Great for overseas travel, annoying BPAY charge

    Reviewed by Emma


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    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business