Latitude Low Rate Mastercard

Decent card with a straightforward application, instant conditional approval and full approval minutes after submitting face/licence verfification theough the link they SMS. You can then add to wallet and use the card straight away. Balance transfer promo was easy to activate and processed quickly. Payment via direct debit takes 3 days to clear and a fee for bpay is the only downside. Show details

Don't do it!!!!!! – You will rue the day you applied for a Latitude credit card. You will throw money at it, it will go nowhere because the credit rate is nearly 30%. Please don't apply for any Latitude services EVER.

Stressful – This company stresses me out loads. Charge you for 0 balance for monthly fees and not tell you. You call them and you get a representative that does not listen to what your syaing , or their eating or even has a dog barking in background. Ended up cancelling card

Perfect little Gem on my phone – It’s perfect. So easy to use it on my phone. So easy that I have used almost all my credit. The interest rate is what got me in because it’s so low.  Show details

Easy and affordable – Easy to get, easy to maintain repayments. The process was easy and approval was obtained in about ten minutes with the card being received inside a week. Wow is all I can say Show details

Its fantastic – I have never had a problem with Latitude they are great. I use the card regularly it compliments my other financial services. I would like to compliment Latitude on the professionalism of their staff Show details

A joke – Absolute scammers. Constantly changing fees, increasing them with no notice. Interest free but with a monthly account that will increase every few months. Finally pay it off and then they continue to charge you the fees without any sort of consent.

Too slow the payment shows on my balance in year 2024! – The payment processing time is too long, making it difficult to track spending and payments. The process takes 5 working days. I wish this issue can be resolved. Show details

Horrible customer service – Amazing card to purchase interest free. However when come to customer service. Ridiculous waiting time. They also easily block your card for no reason and you have to call to unblock it

Terrible call centre, Poor credit card fraud protection for consumer – NOT RECOMMENDED - First they were hacked, now Latitude make card holder liable for fraudulent charges Latitude FAILED to prevent. A fraudulent transaction was detected. Latitude called, think Filipino accent, noisy line. I confirmed it was a fraudulent charge. Credit card statement comes, fraudulent charge was still on my bill. Called latitude.… Read more

Again, thick Filipino accent, and worse, call centre person was a confused girl who had no real understanding, still required me to pay for fraudulent charge. Conversation went round and round, call centre person could only repeat standard script lines.

I finally got the answer as to why I was required to pay - it was because Latitude had gone ahead to pay the merchant, despite my confirming it was a fraudulent charge. Also, I would only be refunded if Latitude could successfully claim the money back from the fraudulent merchant.

During my call, just after 4PM, I asked to speak to escalate case and supervisor or manager. Seems none were available and was told to call back again between 8:30AM - 5:00PM the next day.

Left without access to card overseas – We contacted Latitude Financial to advise we were going overseas and we would be using the card. They noted the details and we were confident all would be well. We were wrong. It wouldn’t work when we tried to use it and so we had to withdraw local currency cash from our Aust bank account. Thank god we brought another card with us. Tried customer… Read more

service and could not get thru with the number to call when overseas on the card. Tried the app, got a bot. Totally useless, will be cancelling when we return home. The last thing anyone’s needs is to be overseas and not have access to their cards.

Terrible – I got the card a month and wanted to cancel it as it incurs more fees than providing any benefits. But so far my 15 requests have not been answered. If someone wants to close the account, they never do that. Incompetent and ignorant staff. Show details

Problems using card - some online booking systems refuse it, or it refuses them! – I can only agree with other reviewers. This card is problematic - when it works its a good deal so long as you remember to regularly pay it back- a process that is clunky to say the least. I regularly have situations when the card is rejected by booking systems. I recently tried to book a tour using Fareharbor intermediary and it rejected my… Read more

card or rather my card refused them. Oddly it works just fine through PayPal. I got the card because it didn't charge fees on international transactions as so many others do but today was the last straw. I am now applying for a card from a more reliable provider.

Shocking customer service – I've been trying to organise a pin set up for a secondary card for 6 weeks. Was told I could activate the card over the phone by selecting 'activate my card'. No option named this was available. Waited 90 mins to speak to someone and then tried web chat (not the same as normal web chat apparently). The person activated the card. Was told a… Read more

pin would come through the mail. Waited 2 weeks and nothing arrived. Made several more phone calls one of which the person said to set the pin online but you cannot do this with a secondary card. Got disconnected and put through to others with a promise of a call back if I was disconneced. No such phone call came. Was told by one person the pin would come via email, the next person said they would never do that. Said they would post the pin (again) but I'm travelling in a week and it will all be too late. No sympathy for my plight or offer to sort it out any other way. Absolutely pathetic customer service.

Hopeless service - can’t load card to Wallet – I’ve made 4 calls to Latitude to try to load my card to Apple Wallet. Every time I’ve tried to load it the attempt ends in a direction to call Latitude for card verification. Wait 30mins each time, then speak to someone who says they’ll get “management” to authorise it, get an email saying everything is set, still didn’t work. Taken 2+ hrs so far.… Read more

The last person spoke to IT while I held, came back to say they’ve done everything they need to so while she held I tried again. Same result. I asked to speak to a supervisor and she refused. Said it was at Apple’s end. I knew that was wrong but spoke to Apple representative in the US anyway. Far more professional and well trained than Latitude person. It’s not an Apple problem. I need to call Latitude again (God help me!) and ask for the Payment Network Operator to make sure the token is updated for my card. Failing that (which is likely) go directly to Mastercard. Oy vey!!

Scams $30 late fees – They stopped sending reminder due dates on credit cards around May 2022, they would first send an email that statement is available to view...not attached to the email, you have to go online and sign in to view it..22 days before the due date!!! Then they would send you an email reminding you it's due in 7 days again..that email stopped...now can… Read more

you remember a due date 22 days away...no txt messages and no attached statements....easy $30 sting, if afterpay can send you emails and txts a few days before due date...Latitude can but why lose the opportunity to extort $30

Never trust this one – Took more than 2 weeks to gather required documents. Incompetent staff members keeps on telling you different stories such as yes we have received the document we asked for, then next one day you will be asked to send same documents again. That went on for 2 weeks and even after formal complaint customer resolution team didn’t do anything about… Read more

it. On the top of all this, I was asked to send my financial documents via email while informing you that you are taking your own risk.

28 degree card maybe great for travelling but if anything happens, the resolution team is basically no use.

I will not recommend this one to anybody.

Free travel insurance scam – Same experience as the other reviews with the the free travel insurance offer. Totally pathetic, first I was told that the insurance docs would be available on the master benefits webpage surprise suprise the website doesn't work. I called mastercard was told I would have to manually apply for the travel insurance and supply a raft of paperwork.… Read more

Numerous calls and getting passed around from latitude to mastercard and back again trying to get out of cycle account statements in just frustrating and being told to wait for next statement cycle on the 15th when I have to travel on the 7th is crazy. Also dealing with overseas based customer service agents adds to the frustration. Stay away guys

THEY SCAM CUSTOMER's MONEY AVOID AT ALL COST – I had canceled the credit card in June 2021. They in January 2022 I received a letter from the bank requesting for payments. Then i went back to the site and checked there were transactions that were put through in September in Japan- obviously fraudulent transactions. I contacted the institution and they began an investigation which I heard… Read more

just heard back saying the the time frame for the investigation has lapsed and I am liable for all payments

This is absolutely absurd. I will be contacting fair trading for this

Avoid at all cost

I would give them negative stars if needed

absolutely disgraceful

Do not apply – This company is just a money grabbing company who have no compassion for their customers and it affects your credit file dramatically in a Negative way having a brand like Latitude listed Show details

Latitude is luring their old clients in traps. Very pathetic service – I have been their client since 5 years and finally they disappointed me as i have heard their stories. Latitude sent me an email at first week of this month that i need to spend $1000 with direct an airline and i will be entitled to get free travel insurance. I bought my airticket from latitude card on 17th January 2022 and its been 8 days since… Read more

then i am struggling to get my insurance policy. I contacted directly with insurance company and they are just making excuses. It's very pathetic that how latitude is luring their old clients like me in such traps. Canceling this credit card tomorrow morning. Good bye latitude.

Absolutely Disgraceful +No Service +Took Complaint Australian Financial Complaint Authority (AFCA) To*Get My Money Back – I went overseas for quite some time ! So I set up an auto payment into my account , from my bank . On return I forgot to cancel autopayment ! By the time I realised, found I had nearly *$7,500 in credit *note ! *it *took *several *months *many *phone *calls *promising to pay my money back ! + being treated like an idiot ! With *no *result . Had… Read more

to ***lodge a "Complaint*** with Australian financial complaints authority " (afca) to get my ! $7500 back .It Took Months ! What a disgrace + every time you ring ! It takes up to an hour to wait to talk with a rude man who promises ! To speak to his supervisor . Certainly NOT WHAT YOU WOULD EXPECT !

Hate it, I'm over it – Hate it, had to get it to buy interest free through a shop, get charged a fee everytime I pay them money, their online help is atrocious, everytime you try and recover a password the hoops to jump through are rediculous and when you finally get to the last hoop is says "sorry an error has occurred" I'm over it. It's almost as if they want to keep… Read more

you offline and unaware and charge you more fees. Got to the point now I'll pay it off in one chunk just to cut it up, stop Paying the rediculous annual fees on top of all the other fees and take my money elsewhere

Worst Credit Card I have ever had – I have just logged on again to Latitude and the service charges, on top of interest charges, are very high for a $2500 debt. In addition, there is no provision for regular weekly payments. By contrast, my Humm90 Mastercard can be paid off weekly and there is only the one agreed on interest payment each month. This latitude GO master card card… Read more

is a ripoff designed to suck in customers at retail stores. Buyer Beware when signing up for the Latitude card.

Vile company – This company charges $30 AUD late fee and should be shut down. As soon as my stuff is paid off I am closing my account for this scam of a company. Their customer service is horrendous, they are rude and can't be bothered giving their time or effort to their customers, they actually talk to you like a criminal. If you feel like being belittled… Read more

and charged huge late fees, sign up to this awful banking institution. If I could rate them negative stars I would.

Worst credit card and customer service I have ever experienced. Would not recommend to anyone – I tried to make a transaction and the card was blocked for fraud. I called them up and they unblocked it, and blocked it again. Going to close the account and go with a better bank that provides a good service that you can rely on. Show details

Horrible customer service assistance, no corona relief access, so many ridiculous fees – Expensive, hidden fees, ridiculous conversion rates, this card has honestly made my life more difficult, & for over 10yrs never have I missed a payment, even currently being unemployed & on disability. I remember once I called to ask for an extension on my due payment because of financial hardship, the representative answered “Sure, you can pay… Read more

late, but you’ll havto pay the late fee” And this is one story of many that I have with horrible customer service, & the non tolerance for the unemployed, even if they’re getting a stable income from Centrelink. With every call it get worse & worse. No conscience or compassion, not even for loyal reliable long time customers, each year customer service & services gets less, & the fees for keeping your card is more. I look forward to getting my life together & being rid of this card once I’m able. Thanks for nothing GE.

Terrible – Awful customer service !!! Please do not waste you time with these people. They will ask buch of documents and still process is a failure. I will not recommend to anyone. Show details

The worst service I’ve ever encountered – I have phoned latitude staff each day for the last three days requesting confirmation of credit card closure in order to obtain a loan. Each time I was assured this was achievable. Each day a code to access the credit card closure confirmation was absent contrary to assertions. This has delayed, and potentially sabotaged access to home loan… Read more

refinance to finish renovations on an investment property. I wish I never had any contact with this company, they have jeopardised my investment and my families financial security time and time again.

Handy card but some limitations – Great card to use - happy with limit offered but dislike that I cannot send multiple payments as I see fit ie locks out for 5 days with bank transfer and forces you to use bpay etc. I find that extremely frustrating this restriction. I have regular spendings and regular incoming cash which I like to put to credit card but can’t - as I see fit. Overall good product Show details

Comes in handy with the extra expense of car repairs – repayments are perfect, interest rates is good, perfect card in any occasional situation for when needed for those unexpexted repairs or expenses and no hidden fees which is totally good Show details

Hopeless customer service – Everything is fine until you have a problem or need to speak to someone. Then, good luck with the overseas call centre. Show details