Frequently Asked Questions
Got a burning question? You may find your answer here.
Frequently asked questions
Registering for the Online Service Centre is simple and lets you:
Manage your account and update your details
Set up payment reminder alerts and payment notifications
Access your statements anywhere and anytime
View your transactions instantly
It only takes a few minutes. Just make sure you have your mobile phone on hand. If not, please have your card plus a recent statement with you to help answer some questions.
To share the convenience of your Latitude 28 Degrees Global Platinum Mastercard with a family member or loved one, you can add an additional cardholder using our online application form or please call 1300 552 079 and ask for an additional cardholder application form.
In Australia, you are required to have a PIN on your credit card. In many other countries, you may be required to enter your PIN. Please make sure you have one before leaving Australia.You can select your own PIN by calling us on 1300 552 079.
Simply log in to the Latitude App or Latitude Service Centre, click on the small card icon and select “Add additional cardholder”. Visit Latitude Credit Card – Additional Cardholder FAQ to learn more.
There are two options. 1. Authority to disclose information only: An additional cardholder can request access to your personal information (including credit eligibility information) concerning your account. 2. Authority to disclose information and maintain your account: An additional cardholder can maintain your account including: a) Changing address and phone numbers. b) Requesting the issue of a new card or activating a card on your account. c) Requesting changes to special promotion details, if incorrect. d) Requesting a fee/charge reversal if the details are incorrect.
If you were approved prior to 29 May 2025, your account is subject to an $8 monthly credit card fee.
If you were approved from 29 May 2025 onwards, your account is subject to an $96 annual credit card fee, which is waived for the first year. It will also be waived in subsequent years if you spend at least $12,000 on eligible purchases in the 12 months leading up to your anniversary date. For example, to qualify for a fee waiver in the second year, you must spend at least $12,000 on eligible purchases within the first 12 months.
If you were approved from 29 May 2025 onwards, your annual card fee is automatically waived for the first year. To qualify for a fee waiver in the second year, spend at least $12,000 on eligible purchases within the first 12 months. It will continue to be waived in subsequent years if you spend at least $12,000 on eligible purchases in the 12 months leading up to your anniversary date.
Your annual anniversary date will be the date your first full statement period starts. This might be a few days after you are approved, so your first year may be a little longer than 365 days. Transactions you make during these extra days are still counted towards your first year’s spend.
Eligible transactions exclude cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest, and balance transfers into an account.
Keep in mind that only transactions that have been fully processed and posted to your account are counted. They are counted based on the date they are posted, which is not necessarily the date they are made.
Purchases made by additional cardholders are included in the primary cardholder’s total eligible spend.
We offer convenient ways to pay – via the Latitude Service Centre, Direct Debit, BPAY® or in person — whatever suits you best.
Latitude Service Centre:The quickest and easiest way to make a payment. Simply log into the Latitude Service Centre, click 'Pay my Account' and enter your bank details. Registering is easy and it only takes a few minutes, just make sure you have your card or 16-digit account number on hand.
If you use the Latitude Service Centre via "Pay My Account", your payment may take a few days to reflect on your Card balance, but will show on your transactions list straight away (as pending). We do not charge you a fee for payments made via the Latitude Service Centre.
You can also set up payment reminders and payment confirmations.
Direct debit: Never miss a payment. Call us on 1300 552 079 to set up your Direct Debit over the phone or download a Direct Debit request form
BPAY®:Make payments electronically using your bank's phone or internet banking service. BPAY® is available 24 hours a day, 7 days a week. To make a payment, use the Latitude 28° Global Platinum Mastercard Biller Code (150615), and your credit card number as the reference number. This can be found in the top right-hand corner of your statement.
Please note a Payment Handling Fee of $1.95 applies for all payments made via BPAY® to pay your card account.
If you're paying by BPAY® on your due date, make sure you complete the transaction before your bank's cut off time, otherwise the transaction may be processed on the following day. Remember that some BPAY® payments can take up to 3 days to appear on your account.
Australia Post: Simply take your statement and pay at any Post Office. A payment handling fee of $3.95 applies to each transaction.
From 13 September 2019 we will no longer be offering worldwide concierge on the Latitude 28° Global Platinum Mastercard. We apologise for any inconvenience.
Below is a list of useful forms:
You must be logged in to the online service centre to access the below forms:
Additional Cardholder
Conditions of Use
Direct Debit request
Transaction dispute guide
We no longer authorise credit card purchases registered under a gambling and lottery merchant code. These transactions will include most gambling and lottery purchases.Gambling and lottery transactions are purchases made at gambling associated venues and online sites.
While we understand that gambling and lottery purchases can form part of normal entertainment and everyday life for many people, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
This decline could be because we no longer authorise gambling and lottery purchases on Latitude products.
We recognise that gambling is a growing issue in Australia, and we are here to help support the financial wellbeing of our customers. While our customers may like the flexibility of using their 28 Degrees travel credit card for these occasional purchases, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
If you find yourself vulnerable to gambling and you'd like to speak to someone from an independent organisation about your situation, please call Gambling Help Online. www.gamblinghelponline.org.au 1800 858 858.
As a result of the gambling and lottery transactions being declined on Latitude products, non-gambling and lottery transactions such as food or beverages purchased at some international casinos may also be affected and is dependent on the way these businesses comply with local laws. Bistros at clubs and sports venues throughout Australia that offer pokies should still accept credit cards for meals and drinks.
We recognise that for many Australians, gambling is a form of entertainment and recreation. Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
Victoria: A venue operator must not allow a person to obtain cash from a facility in the approved venue or a cash advance from a credit account.
Queensland: All automatic teller machines installed in the licensee’s licensed premises are only available for the use of debit cards.
New South Wales: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Northern Territory: ATM and EFTPOS Facilities will only have access to debit accounts; access to credit accounts will not be permitted.
Tasmania: A casino operator must not allow a person to obtain, from a cash facility, a cash advance from a credit account.
South Australia: The holder of a gaming machine license must not provide, or allow another person to provide, a cash facility within a gaming area on the licensed premises.
Australian Capital Territory: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Western Australia: In the gaming areas of the Casino EFTPOS is only to be used to access savings or cheque (not credit) accounts in accordance with relevant legislative and regulatory requirements, and subject to transaction limits.
Over the past 20 years Australian governments have introduced several restrictions on the use of credit cards for gambling. These include:
Australian state and territory governments prohibited access to credit in casino and gambling areas of licensed venues in the early 2000s. This mean a person cannot use a credit card to gamble or withdraw cash from an ATM in gambling areas of licensed venues and casinos. When these reforms were introduced the online gambling did not operate in Australia.
In February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.
On 27 November 2019, the Federal Minister for Minister for Communications, the Hon. Paul Fletcher introduced legislation to establish the National Online Gambling Self-Exclusion Register.
Online and betting apps - Yes. However, in February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.
Poker machines - No credit cards or access to cash advances through ATMS in gambling areas.Casinos - No. Casinos extend lines of credit from their own credit facilities to their customers in VIP rooms, but they do not provide credit cards in those areas.
On-track - horse racing and greyhound racing - No credit cards or access to cash advances through ATMS in venue.
Lottery tickets/online and in venue - Yes.
TAB outlets - No.
Like most financial institutions, we work on a credit check system and we consider if the card is unsuitable for you given all the circumstances. We also need to make sure we are identifying the right person, to prevent fraud. We take many things into consideration when reviewing an application. And, while we don't disclose the specific details of our criteria, if you're declined we'll let you know in writing.
If you apply online and provide all the necessary information, we can give an answer on your application within 60 seconds in most instances.
In some instances further information may be required to process an application. If further information is required we will inform you during the application process.
You will receive updates about the status of your application via email. However, you can check your application status at any time by calling 1300 764 454. Please ensure you have your application number available when calling.
It will take approximately 5-10 working days from your approval for you to receive your 28 Degrees travel credit card.
You will need to activate your 28 Degrees travel credit card before you start to use it. (This helps us ensure the right person has received your card). Remember to sign your card immediately.
To activate your 28 Degrees travel credit card simply log into your account via our Online Service Centre here you can activate your 28 Degrees travel credit card and select your own PIN.
For security reasons, 28 Degrees travel credit card are sent to you inactive. Activating the 28 Degrees travel credit card validates that it's been received by you.
To activate your 28 Degrees travel credit card simply log into your account via our online service centre, here you can activate your 28 Degrees travel credit card and select your own PIN.
Firstly, check with the primary account holder that they've activated their card. You will not be able to activate your card until theirs is active.
Call us on 1300 552 079 to activate your card and set up your PIN. It only takes a couple of minutes.
Prompt the interactive voice response with 'Activate my card' and follow the instructions.
You will need to know the primary account holder's date of birth and the mobile phone number listed on the account.
A verification code will be sent to the mobile phone number listed on the account, so keep that close while you are on the line.
We suggest you continue to follow the prompts and set a PIN while you are there.
And your card's almost ready to go - just don't forget to sign it first.
You'll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. There are no charges for going over your credit limit.
We recommend registering for the Online Service Centre to monitor your account balance.
If you apply online you'll be notified of your credit limit when your application is approved.
Your credit limit can also be found on the top right of your monthly Latitude 28° Global Platinum Mastercard statement. Alternatively, you can log onto the Online Service Centre to check it any time. It's important to note that your credit limit can be different from your available cash limit.
Your available cash limit can be found under 'Account Summary' in the Online Service Centre. It's also available on your statement.
Your available cash limit can be found under 'Account Summary' in the Online Service Centre. It's also available on your statement. It's important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
You can use the Reduce Credit Limit Form to request a credit limit reduction.
You can increase your credit by logging into the Online Service Centre or giving us a call on 1300 552 079.
Credit limits vary from person to person. The information you supply in your application will help us determine your credit limit. If your application is approved, we'll then let you know your credit limit.
Latitude Low Rate Mastercard cardholders can get 3% back in Latitude Reward from selected utilities (electricity, gas, water), telco and streaming services that are setup as a recurring payment directly with your provider. You can use the Latitude Rewards to select an e-gift card from a wide range of participating retailers via the Latitude App and Latitude Service Centre.
Refer to the Latitude Rewards Program Terms and Conditions to learn more about this rewards program.
Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are setup as recurring payments under the following merchant categories codes (MCC):
Merchant categories are determined by a merchant’s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You’re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like.
To qualify as a recurring payment, your credit card must be setup as regular payment to the participating merchant.
Eligible transactions do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, account protection insurance premiums, adjustments resulting from disputed transactions, interest and balance transfers into an account. The account must be open and not in default of the credit contract when Latitude Rewards are issued.
Refer to the Terms and Conditions of the Latitude Rewards Program to learn more.
No, you’re unable to receive rewards if you use an intermediary platform such as PayPal and the likes as they do not qualify as an eligible transaction. To qualify as a recurring payment, your Latitude Low Rate Mastercard credit card must be setup for regular direct payments to the merchant.
No, this will not qualify as an eligible transaction, as these transactions for streaming service subscription in another country fall under a different Merchant Category Code (MCC) and not under MCC 4899 which is for streaming services here in Australia.
Under the Latitude Rewards Program, you can earn redeemable amounts issued by our third party service provider EonX Services Pty Ltd on behalf of Latitude from participating retailers every statement period via the Latitude App and Latitude Service Centre, when you make eligible transactions using your Latitude Low Rate Mastercard credit card in each statement period. You can also save the Latitude Rewards and accumulate more for a later redemption. To find out more about the Latitude Rewards Program, please refer to the Terms and Conditions
Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. Eligible transactions are set up as recurring payments for selected utility providers such as electricity, gas and water and/or telco and streaming services. If eligible the latitude rewards/redeemable amount will be available within 30 days from the end of each statement period. You can use this amount to select an e-gift card via the Latitude App and Latitude Service Centre. You can access Latitude Rewards platform via the Latitude App or the Latitude Service Centre.
Yes, you can accumulate Latitude Rewards as you earn each statement period to redeem later. Latitude Rewards expire 18 months from the date they have been issued.
Latitude will send an email notification about your Latitude Rewards which can be accessed and redeemed for an e-gift card via the Latitude App or Latitude Service Centre. The Latitude Rewards will be available in your Latitude Rewards Balance within 30 days from the end of your statement period.
The Latitude Rewards Balance is the available balance you have, to redeem for an e-gift card within the Latitude Rewards platform.
You have 18 months from the date they have been issued to redeem your Latitude Rewards before they expire.
No, the Latitude Rewards are not transferrable.
No, the Latitude Reward is applied to your Latitude Rewards Balance accessible via the Latitude App or Latitude Service Centre which can be redeemed for an e-gift card from participating retailers.
Head over to our Rewards platform to learn about your Latitude Rewards Program. You can access this platform by logging in via Latitude Service Centre or the Latitude App.
Yes, you can use your participating Latitude credit card to purchase a portion or the total value of an e-gift card. Additional billing information is required when making a purchase.
You will have 30 days from the date your account is closed to redeem your remaining Latitude Rewards. Any remaining rewards balance will be forfeited after this period. Any pending Cashback in Latitude Rewards not yet processed have been forfeited. Cashback To find out more, please refer to the terms and conditions.
“My ePurchases” is where all your e-gift cards are stored once you have redeemed within the Latitude Rewards platform. Once redeemed, we will send you an email with your e-gift card details, however you can access all your redeemed e-gift cards directly from “My ePurchases”.
“My Activity” stores your redemption history and order details in an easy-to-use format.
You can check the balance of your e-gift card either via the retailer's website, or by calling the retailer's e-gift card support line.
To help you manage the balance on your e-gift card, you can also manually update the balance within “My Rewards” by entering the amount and clicking the “Update” button located on the e-gift card.
The balance of your e-gift card will not be automatically updated in “My Rewards” once you have used it to make a purchase.
The e-gift card expiration dates will vary depending on each retailer. You can check the expiration/validity periods of each e-gift card by selecting a retailer and checking the “Validity Period” of the e-gift card.
You can view your order history under “My Activity” via “My Rewards”.
All purchased e-gift cards are sent to “My Rewards” on the Latitude Rewards platform and emailed as well.Log into the platform then simply click on “My ePurchases” via “My Rewards” to locate your purchased e-gift cards.
After your order is processed, you will receive a confirmation email. You can also access e-gift cards under “My ePurchases” in “My Rewards”. Although we make best efforts for instant delivery, this may take up to 72 hours to appear in “My Rewards”.
Once an order has been processed and your e-gift card has been dispatched, we are not able to provide a refund. All e-gift cards are to be treated as cash once they have been purchased. Please refer to the e-gift card terms and conditions on the Latitude Rewards platform.
All deleted e-gift cards can be accessed by clicking the “Reload” button in “My ePurchases” via “My Rewards”.
If you have not yet received your e-gift card, please email our Customer Support Team by clicking “Help” at the bottom of the Latitude Rewards platform.
You can update your profile details via the Latitude Service Centre or Latitude App and this will update automatically in the platform the next time you log in. You cannot update your profile details in the Latitude Rewards platform.
Contact Us if you have any further questions about your Latitude Rewards account or see the EonX FAQs for more information about the e-gift card which is accessible by clicking on “FAQ” in the icon in the bottom left corner of the Latitude Rewards platform.
As a Latitude Low Rate Mastercard credit cardholder, you can access Complimentary E-Commerce Protection Insurance that covers the non-delivery and/or incomplete delivery of online purchases — up to $270.
This is a limited summary only. For the full list of benefits and the terms, conditions exclusions, limits, applicable sub-limits and excesses that apply, see the complimentary E-Commerce Purchase Protection terms and conditions
You can make an insurance claim here or send a
notification to AIG Australia Limited to obtain a claim form and instructions on what to do
after a loss.
The contact details are set out below:
AIG Australia Limited
Level 19, 2
Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service
Operating Hours: Monday to Friday 8:30AM to 5:30PM AEST
Email:
APAC.Mastercard@aig.com
For more information, see the complimentary E-Commerce Purchase
Protection terms and conditions
The Complaints Team
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC
3008
Email: aucomplaints@aig.com
For more information on how AIG manages complaints , see the complimentary E-Commerce Purchase Protection terms and conditions.
Registering for the Latitude Service Centre is simple and lets you:
It only takes a few minutes. Just make sure you have your mobile phone on hand. If not, please have your card plus a recent statement with you to help answer some questions.
To share the convenience of your Latitude Low Rate Mastercard with a family member or loved one, you can add an additional cardholder using our online application form or please call 1300 552 079 and ask for an additional cardholder application form.
In Australia, you are required to have a PIN on your credit card. In many other countries, you may be required to enter your PIN. Please make sure you have one before leaving Australia.
You can select your own PIN through the Latitude Service Centre or the Latitude App.
Click here to access useful forms and reference documents which includes the following:
It depends on your situation. Once you fill out your application, we'll be able to tell you what your credit limit is.
If you apply online, you should get an answer in 60 seconds. If you apply in-store you'll also receive a response quickly.
In some instances, we might need more information (and time) to process your application.
Of course. We'll email you with any updates on your application — or if you'd prefer them by phone, call us on 1300 764 454 with your application number ready.
You should get your card within 15 working days from approval. But that doesn't mean you can't start shopping immediately. Simply follow these steps to add your card to your mobile wallet:
Activate it online. Register for our Latitude Service Centre, navigate to 'Manage Card' and select 'Activate Card'. Have your phone handy as you'll need your SMS code to complete activation.
And your card's almost ready to go — just don't forget to sign it first.
Absolutely. If you'd like to change your PIN to something more memorable for you, you can do this via the Latitude App or Latitude Service Centre.
You'll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. There are no charges for going over your credit limit.
We recommend registering for the Latitude Service Centre to monitor your account balance.
If you apply online you'll be notified of your credit limit when your application is approved.
Your credit limit can also be found on the top right of your monthly statement. Alternatively, you can log onto the Latitude Service Centre to check it any time. It's important to note that your credit limit can be different from your available cash limit.
Your available cash limit can be found under 'Account Summary' in the Latitude Service Centre. It's also available on your statement.
Your available cash limit can be found under 'Account Summary' in the Latitude Service Centre. It's also available on your statement. It's important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
You can use the Reduce Credit Limit Form to request a credit limit reduction.
You can increase your credit by logging into the Latitude Service Centre or giving us a call on 1300 552 079.
Credit limits vary from person to person. The information you supply in your application will help us determine your credit limit. If your application is approved, we'll then let you know your credit limit.
While we understand that gambling and lottery purchases can form part of normal entertainment and everyday life for many people, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
This decline could be because we no longer authorise gambling and lottery purchases on Latitude products.
We recognise that gambling is a growing issue in Australia, and we are here to help support the financial wellbeing of our customers. While our customers may like the flexibility of using their card for these occasional purchases, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
If you find yourself vulnerable to gambling and you'd like to speak to someone from an independent organisation about your situation, please call Gambling Help Online. www.gamblinghelponline.org.au 1800 858 858.
As a result of the gambling and lottery transactions being declined on Latitude products, non-gambling and lottery transactions such as food or beverages purchased at some international casinos
We recognise that for many Australians, gambling is a form of entertainment and recreation. Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
Victoria: A venue operator must not allow a person to obtain cash from a facility in the approved venue or a cash advance from a credit account.
Queensland: All automatic teller machines installed in the licensee's licensed premises are only available for the use of debit cards.
New South Wales: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Northern Territory: ATM and EFTPOS Facilities will only have access to debit accounts; access to credit accounts will not be permitted.
Tasmania: A casino operator must not allow a person to obtain, from a cash facility, a cash advance from a credit account.
South Australia: The holder of a gaming machine license must not provide, or allow another person to provide, a cash facility within a gaming area on the licensed premises.
Australian Capital Territory: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Western Australia: In the gaming areas of the Casino EFTPOS is only to be used to access savings or cheque (not credit) accounts in accordance with relevant legislative and regulatory requirements, and subject to transaction limits.
Over the past 20 years Australian governments have introduced several restrictions on the use of credit cards for gambling. These include:
Online and betting apps - Yes. However, in February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.
Poker machines - No credit cards or access to cash advances through ATMS in gambling areas.
Casinos - No. Casinos extend lines of credit from their own credit facilities to their customers in VIP rooms, but they do not provide credit cards in those areas.
On-track - horse racing and greyhound racing - No credit cards or access to cash advances through ATMS in venue.
Lottery tickets/online and in venue - Yes.
TAB outlets - No.
Choosing the right credit card product for your actual needs and uses is not necessarily a set and forget decision. Latitude encourages you to review your requirements regularly. Latitude has a range of credit cards from Interest Free to Travel so the choice is yours.
An overview of Latitude's credit cards can be found here.
Use the drop down to compare different cards by category
such as: Interest Free, Rewards and Travel.
The government's MoneySmart website is a valuable resource to learn more about borrowing and credit.
The easiest way to change cards is to pay your account in full and close your existing account. You will then need to apply for the card you want – a full assessment is required when you apply.
The easiest way to update your contact details is through the Latitude App or Latitude Service Centre.
Or just call us on 13 10 24 and we'll get it sorted.
Simply log in to the Latitude App or Latitude Service Centre, click on the small card icon and select “Add additional cardholder”. Visit Latitude Credit Card – Additional Cardholder FAQ to learn more.
Right here:
To print these forms, Adobe Acrobat Reader needs to be installed on your computer. You can download a free copy here: http://get.adobe.com/reader
We no longer authorise credit card purchases registered under a gambling and lottery merchant code. These transactions will include most gambling and lottery purchases.
Gambling and lottery transactions are purchases made at gambling associated venues and online sites.
While we understand that gambling and lottery purchases can form part of normal entertainment and everyday life for many people, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
This decline could be because we no longer authorise gambling and lottery purchases on Latitude products.
We recognise that gambling is a growing issue in Australia, and we are here to help support the financial wellbeing of our customers. While our customers may like the flexibility of using their card for these occasional purchases, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
If you find yourself vulnerable to gambling and you'd like to speak to someone from an independent organisation about your situation, please call Gambling Help Online. www.gamblinghelponline.org.au 1800 858 858.
As a result of the gambling and lottery transactions being declined on Latitude products, non-gambling and lottery transactions such as food or beverages purchased at some international casinos may also be affected and is dependent on the way these businesses comply with local laws. Bistros at clubs and sports venues throughout Australia that offer pokies should still accept credit cards for meals and drinks.
We recognise that for many Australians, gambling is a form of entertainment and recreation. Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.
Victoria: A venue operator must not allow a person to obtain cash from a facility in the approved venue or a cash advance from a credit account.
Queensland: All automatic teller machines installed in the licensee's licensed premises are only available for the use of debit cards.
New South Wales: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Northern Territory: ATM and EFTPOS Facilities will only have access to debit accounts; access to credit accounts will not be permitted.
Tasmania: A casino operator must not allow a person to obtain, from a cash facility, a cash advance from a credit account.
South Australia: The holder of a gaming machine license must not provide, or allow another person to provide, a cash facility within a gaming area on the licensed premises.
Australian Capital Territory: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.
Western Australia: In the gaming areas of the Casino EFTPOS is only to be used to access savings or cheque (not credit) accounts in accordance with relevant legislative and regulatory requirements, and subject to transaction limits.
Over the past 20 years Australian governments have introduced several restrictions on the use of credit cards for gambling. These include:
Online and betting apps - Yes. However, in February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.
Poker machines - No credit cards or access to cash advances through ATMS in gambling areas.
Casinos - No. Casinos extend lines of credit from their own credit facilities to their customers in VIP rooms, but they do not provide credit cards in those areas.
On-track - horse racing and greyhound racing - No credit cards or access to cash advances through ATMS in venue.
Lottery tickets/online and in venue - Yes.
TAB outlets - No.
Your credit limit can be found under 'Account Summary' in the Latitude App or Latitude Service Centre. It's also available on your monthly statement.
Your cash limit can be found under 'Account Summary' in the Latitude Service Centre. It's also available on the top right of your monthly statement.
Just keep in mind it's not uncommon for your cash limit to be different from your credit limit. Daily cash withdrawal limits will also apply.
Latitude Low Rate Mastercard cardholders can get 3% back in Latitude Reward from selected utilities (electricity, gas, water), telco and streaming services that are setup as a recurring payment directly with your provider. You can use the Latitude Rewards to select an e-gift card from a wide range of participating retailers via the Latitude App and Latitude Service Centre.
Refer to the Latitude Rewards Program Terms and Conditions to learn more about this rewards program.
Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are setup as recurring payments under the following merchant categories codes (MCC):
Merchant categories are determined by a merchant’s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You’re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like.
To qualify as a recurring payment, your credit card must be setup as regular payment to the participating merchant.
Eligible transactions do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, account protection insurance premiums, adjustments resulting from disputed transactions, interest and balance transfers into an account. The account must be open and not in default of the credit contract when Latitude Rewards are issued.
Refer to the Terms and Conditions of the Latitude Rewards Program to learn more.
No, you’re unable to receive rewards if you use an intermediary platform such as PayPal and the likes as they do not qualify as an eligible transaction. To qualify as a recurring payment, your Latitude Low Rate Mastercard credit card must be setup for regular direct payments to the merchant.
No, this will not qualify as an eligible transaction, as these transactions for streaming service subscription in another country fall under a different Merchant Category Code (MCC) and not under MCC 4899 which is for streaming services here in Australia.
Under the Latitude Rewards Program, you can earn redeemable amounts issued by our third party service provider EonX Services Pty Ltd on behalf of Latitude from participating retailers every statement period via the Latitude App and Latitude Service Centre, when you make eligible transactions using your Latitude Low Rate Mastercard credit card in each statement period. You can also save the Latitude Rewards and accumulate more for a later redemption. To find out more about the Latitude Rewards Program, please refer to the Terms and Conditions
Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. Eligible transactions are set up as recurring payments for selected utility providers such as electricity, gas and water and/or telco and streaming services. If eligible the latitude rewards/redeemable amount will be available within 30 days from the end of each statement period. You can use this amount to select an e-gift card via the Latitude App and Latitude Service Centre. You can access Latitude Rewards platform via the Latitude App or the Latitude Service Centre.
Yes, you can accumulate Latitude Rewards as you earn each statement period to redeem later. Latitude Rewards expire 18 months from the date they have been issued.
Latitude will send an email notification about your Latitude Rewards which can be accessed and redeemed for an e-gift card via the Latitude App or Latitude Service Centre. The Latitude Rewards will be available in your Latitude Rewards Balance within 30 days from the end of your statement period.
The Latitude Rewards Balance is the available balance you have, to redeem for an e-gift card within the Latitude Rewards platform.
You have 18 months from the date they have been issued to redeem your Latitude Rewards before they expire.
No, the Latitude Rewards are not transferrable.
No, the Latitude Reward is applied to your Latitude Rewards Balance accessible via the Latitude App or Latitude Service Centre which can be redeemed for an e-gift card from participating retailers.
Head over to our Rewards platform to learn about your Latitude Rewards Program. You can access this platform by logging in via Latitude Service Centre or the Latitude App.
Yes, you can use your participating Latitude credit card to purchase a portion or the total value of an e-gift card. Additional billing information is required when making a purchase.
You will have 30 days from the date your account is closed to redeem your remaining Latitude Rewards. Any remaining rewards balance will be forfeited after this period. Any pending Cashback in Latitude Rewards not yet processed have been forfeited. Cashback To find out more, please refer to the terms and conditions.
“My ePurchases” is where all your e-gift cards are stored once you have redeemed within the Latitude Rewards platform. Once redeemed, we will send you an email with your e-gift card details, however you can access all your redeemed e-gift cards directly from “My ePurchases”.
“My Activity” stores your redemption history and order details in an easy-to-use format.
You can check the balance of your e-gift card either via the retailer's website, or by calling the retailer's e-gift card support line.
To help you manage the balance on your e-gift card, you can also manually update the balance within “My Rewards” by entering the amount and clicking the “Update” button located on the e-gift card.
The balance of your e-gift card will not be automatically updated in “My Rewards” once you have used it to make a purchase.
The e-gift card expiration dates will vary depending on each retailer. You can check the expiration/validity periods of each e-gift card by selecting a retailer and checking the “Validity Period” of the e-gift card.
You can view your order history under “My Activity” via “My Rewards”.
All purchased e-gift cards are sent to “My Rewards” on the Latitude Rewards platform and emailed as well.Log into the platform then simply click on “My ePurchases” via “My Rewards” to locate your purchased e-gift cards.
After your order is processed, you will receive a confirmation email. You can also access e-gift cards under “My ePurchases” in “My Rewards”. Although we make best efforts for instant delivery, this may take up to 72 hours to appear in “My Rewards”.
Once an order has been processed and your e-gift card has been dispatched, we are not able to provide a refund. All e-gift cards are to be treated as cash once they have been purchased. Please refer to the e-gift card terms and conditions on the Latitude Rewards platform.
All deleted e-gift cards can be accessed by clicking the “Reload” button in “My ePurchases” via “My Rewards”.
If you have not yet received your e-gift card, please email our Customer Support Team by clicking “Help” at the bottom of the Latitude Rewards platform.
You can update your profile details via the Latitude Service Centre or Latitude App and this will update automatically in the platform the next time you log in. You cannot update your profile details in the Latitude Rewards platform.
Contact Us if you have any further questions about your Latitude Rewards account or see the EonX FAQs for more information about the e-gift card which is accessible by clicking on “FAQ” in the icon in the bottom left corner of the Latitude Rewards platform.
If something changes and you're finding it hard to manage your repayments, don't worry - our Hardship Care team are here to help. We may be able to tailor an arrangement to suit your needs. To learn more, visit our Hardship Care page.
Each month you'll receive a statement which sets out your minimum monthly payment amount, the payment due date, plus any overdue payments and over limit amounts. The Latitude App and Latitude Service Centre will also show various payment amounts you can choose to pay, depending on your circumstances and preferences, as well as the date payment is due.
We also recommend setting up email alerts through the Latitude Service Centre to remind you of when payments are due.
Absolutely. If you want a payment to go towards a particular purchase, you can go to the Latitude App and make a directed payment to the plan. Keep in mind your payments automatically go towards the highest interest product first.
These things happen. But the good news is you'll only pay interest from when your interest-free plan ends.
After your plan ends, the outstanding balance will continue to show on your statement until it's paid.
The MMP is 3% of the total outstanding balance or $25, whichever is more. But if you have any overdue amounts, over limit amounts and interest free payment plans, you'll need to pay these as well each month.
To make sure you pay off the minimum amount on time, we encourage you to set up a direct debit. Set up automatic payments from your bank account by logging into Latitude App or Latitude Service Centre. Direct debits can be managed from the Manage Account screen.
Remember, to avoid being charged interest at the end of your interest-free period, it's likely you'll need to pay off more than the minimum payment each month.
For more information on the Managing Your Repayment section, please click here.
Set up automatic payments from your bank account by logging into Latitude App or Latitude Service Centre. Direct debits can be managed from the Manage Account screen. Or, you can also submit a direct debit request form.
You can set reminders up in the Latitude Service Centre navigation bar or via Latitude App on Settings tab. We'll send you an alert 7 days before payment's due.
The Biller Code for Latitude Gem Visa is 154799. Your Customer Reference Number (CRN) is your 'Account Number' located at the top right of your statement.
You can access your statements by logging into the Latitude App or the Latitude Service Centre.
It can take up to 3 business days for your payment to appear in the Latitude Service Centre.
If you'd like to be notified when your payment's been received, you can sign up for confirmation emails in the Latitude Service Centre.
As a Latitude Low Rate Mastercard credit cardholder, you can access Complimentary E-Commerce Protection Insurance that covers the non-delivery and/or incomplete delivery of online purchases — up to $270.
This is a limited summary only. For the full list of benefits and the terms, conditions exclusions, limits, applicable sub-limits and excesses that apply, see the complimentary E-Commerce Purchase Protection terms and conditions
You can make an insurance claim here or send a
notification to AIG Australia Limited to obtain a claim form and instructions on what to
do after a loss.
The contact details are set out below:
AIG Australia
Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel:
+61395224111
Customer Service Operating Hours: Monday to Friday 8:30AM to 5:30PM
AEST
Email: APAC.Mastercard@aig.com
For more information, see the
complimentary E-Commerce Purchase Protection terms
and conditions
The Complaints Team
AIG Australia Limited
Level 13, 717 Bourke
Street
Docklands VIC 3008
Email: aucomplaints@aig.com
For more information on how AIG manages complaints , see the complimentary E-Commerce Purchase Protection terms and conditions.