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Latitude Low Rate Mastercard

Latitude Low Rate Mastercard

4.0 from 32 reviews · View Statistics
See the Best Low Rate Credit Cards in 2021 as rated by Australians on ProductReview.com.au.
Listing monitored by Latitude Financial

Pros

  • $69 Annual Fee

  • Low Interest Rate of 9.89% on purchases & up to 55 days interest free

  • Price Protection (buy now and if the price drops within 30 days, the difference will be refunded)

  • Purchase Protection (if an eligible purchase is accidentally damaged or stolen within 90 days, Latitude Financial Services will help repair or replace it)

  • Extended Warranty (1 year extra warranty on eligible purchases that have an existing one-to-two-year manufacturer's warranty)

Cons

  • 3% International Transaction Fee

  • Payment Handling Fees ($0.95 online including BPAY, $2.50 in person)

Details

CategoryLow Rate Credit Cards
Card TypeMastercard
Additional Cardholder Fee $0 p.a.
Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate9.89% p.a.
Cash Advance Fee3%
Late Payment Fee$30
Annual Fee$69 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$4
Interest Free Period 55 days
Cash Advance Rate18.89% p.a.
Visit official website

Reviews

4.0
32 reviews
  • Transparency
    4.0 (29)
  • Customer Service
    3.9 (28)
  • Rates and Fees
    4.0 (27)
  • Rewards
    3.7 (6)
  • Online Experience
    3.9 (27)
  • Application Process
    4.2 (28)
Previous
Next

Horrible customer service assistance, no corona relief access, so many ridiculous fees.

published
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Customer Service
Michelle T.
Michelle T.
  • 2 reviews

Perfect little Gem on my phone

published

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.

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Application Process
Charitha
CharithaGreater Melbourne (Outer), VIC
  • 4 reviews
  • 2 likes

Terrible

published

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.

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Customer Service
Low Rate Credit Cards

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Easy and affordable

published

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

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The worst service I’ve ever encountered

published

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 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.

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Customer Service

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Next
Reg Speedie
Reg SpeedieGreater Melbourne (Outer), VIC

Its fantastic

published

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

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Customer Service
Jodie dale
Jodie dale
  • 4 reviews
  • 1 like
  • Verified

Handy card but some limitations

published

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

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John
JohnSouthwest, VIC
  • 2 reviews
  • Verified

Simple and easy

published

Simple and easy to apply for and quick approval process. Helpful when calling to discuss matters such as increase/decrease limit and transactions. Only thing would be helpful is maybe receiving notification prior to 12-month anniversary to advise the annual fee will be applying. Other than that, very good.

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Customer Service

Comes in handy with the extra expense of car repairs

published

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

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Customer Service
Low Rate Credit Cards

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No good Hidden fees

published

Annual fee is charged on the first month you used the card. That is not exactly says on the terms and condition booklet. hidden fees gets charged on so have to watch every usage.

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Customer Service
Cooper Stephens
Cooper StephensQueensland

Brilliant

published

Easy to apply with secure bank login, as well as being able to add card straight to Apple wallet and use funds before the physical card arrives. Absolute 10/10 compared to the process other lenders will force you to jump and duck through.

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Customer Service

Great option

published

It has been fast and easy credit option. Got it with low interest rate and annual fee. So it does makes me a happy customer. I haven’t used it for overseas yet.

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Customer Service
Godfrey
GodfreySouth East Queensland, QLD

Great card very convenient easy to use

published

Great card easy to use very convenient way to pay back ,great interest rate will definitely be passing you on to all of my friends and family thank you again kind regards Godfrey

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Customer Service
Stirlo
StirloMurray Mallee, SA
  • 2 reviews

Perfect

published

Perfect Card For What I Need, Easy To Use, Easy To Pay, Low Intrest Is Perfect, And Paying It Back Is Easy So Many Options, Thank You Latitude, Love It

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Customer Service

Low rate card

published

Very easy to use and set up, would like the turn around time to be a little quicker when paying off the balance otherwise has been a very good card for emergencies

Transparency
Customer Service
Low Rate Credit Cards

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Read more reviews - page 2

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