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Latitude Financial Services credit cards
Latitude Financial Services (also known as Latitude) is a financial services company based in Australia and New Zealand, with their Australian headquarters in Melbourne. As of 2018, Latitude had around a 6 per cent share of Australia’s personal lending market. This made it the biggest non-bank lender of consumer credit in Australia.
Latitude has over 2.5 million customers through its credit cards, car loans, personal loans, home loans and consumer credit insurance. It also offers a buy-now-pay-later service, called LatitudePay.
Latitude is a common fixture amongst many Australian retailers, such as Harvey Norman and JB HiFi. Its cards can be used to obtain interest-free financing over a number of months.
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Why choose Latitude Financial Services
Latitude Financial Services Credit Cards
About Latitude credit cards
Latitude’s credit cards may suit those looking for:
- Low interest
- No annual fees
- Travel cards
- Rewards cards
- Mastercard credit cards
- Visa credit cards
For points chasers, Latitude’s rewards card, Latitude Infinity Rewards Visa, is linked to a rewards program that allows you to earn one point for every dollar spent, with no cap or expiry on points. It also has a lower than average annual fee, which is typically a big cost for rewards cards.
The fees and interest rates vary significantly across all cards. Latitude’s Low Rate Mastercard card offers a purchase rate on the low side compared to the purchase rate of its Latitude Infinity Rewards Visa credit card, for example.
Aussie shoppers can also enjoy added perks with Latitude credit cards. Latitude provides interest-free credit card options in participating Australian retailers. These cards include the Latitude Gem Visa, Go Mastercard, Buyers Edge and CreditLine, with the latter only available through Apple.
Latitude credit cards review
Latitude gives customers a choice of various credit card options to suit different financial needs.
Latitude’s interest-free credit card options may be a useful tool for Aussie shoppers looking to buy big ticket items, such as furniture, and pay them off over time (up to 60 months). However, they must be diligent about paying off that balance during the interest-free period to avoid falling into debt. These cards may also come with a range of fees, so just ensure you read the Product Disclosure Statement (PDS) before applying.
Latitude offers customers a range of credit card options, from simple no-frills cards to credit cards with big rewards and perks. Each credit card has different advantages and disadvantages, from low interest rates but moderate annual fees to handy perks but higher than average purchase rates.
This is why it’s crucial you compare all interest rates, fees, perks and rewards programs to see if it may suit your budget. It’s best to do your research around your credit card spending profile and what kind of credit card you want before you apply.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
