*Offer only available to new customers, must be approved by 31 March 2026.  Balance transfer applies to eligible customer’s Australian non-Latitude credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your Latitude Low Rate Mastercard credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the plan period. 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). A once-off balance transfer fee of 3% applies to the amount being transferred. This will be charged to your Latitude Low Rate Mastercard credit card account when the balance transfer is processed. Eligibility criteria apply. Subject to approval.

¹ Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. You can use this amount to select an e-gift card via the Latitude App and Latitude Service Centre.

Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are directly setup as recurring payments with participating merchants under the following merchant categories codes (MCC):

• Utilities (Electricity, Gas, Water) - 4900
• Telco Services – 4812 and 4814
• Streaming Services – 4899, 5735, and 5815

Exclusions to eligible transactions apply.

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.

The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Low Rate Mastercard Rewards Program Terms and Conditions.

² E-Commerce Purchase Protection Insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686, Level 19, 2 Park Street, Sydney NSW 2000 (“AIG”) under a group policy of insurance issued to Mastercard. In arranging the insurance Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751. Eligible Persons who can access the complimentary e-commerce purchase protection insurance are Latitude customers who hold the relevant credit card which entitles them to these e-commerce purchase protection insurance benefits. It is important you read your Latitude credit card e-commerce purchase protection insurance Terms and Conditions and consider whether the insurance is right for you. You will need to obtain your own independent advice about the insurance or and whether it is appropriate for you. Eligible persons can claim as third-party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984. Conditions and Exclusions apply to this insurance coverage as set out in the group policy and any insurance document provided to the eligible persons and which both may be amended from time to time. Neither Latitude Finance Australia nor Mastercard guarantees this insurance and do not hold an Australian Financial Services Licence. View full terms and conditions.

³New applicants approved for a Latitude Low Rate Mastercard by 12 January 2026, who sign up for the offer and make a purchase within 90 days of approval, will have their first year’s annual card fee waived.

After the first year, a $69 annual card fee (subject to change) will apply.

Limited to one offer per applicant. Latitude may vary, extend, or withdraw this offer at any time without notice. Terms & Conditions, annual fee, and other charges apply.

⁴The 0% Annual Purchase Rate for 9 months is available to applicants who apply for a Latitude Low Rate Mastercard, sign up for the offer, and are approved by 12 January 2026. The purchase rate will be 0% p.a. for the first 9 months from approval, after which it will revert to the standard purchase rate (currently 13.99% p.a., subject to change).

Monthly payments are required (exact amounts specified in your statement). Paying only the minimum monthly payment may not repay the purchase(s) in full before the end of the interest-free period. Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).

Eligible transactions exclude cash advances, balance transfers, cash equivalents, credit fees or charges, credits, refunds, and reimbursements. Your account must remain open to continue receiving interest-free days during the promotional period.

Limited to one offer per applicant. Latitude may vary, extend, or withdraw this offer at any time without notice. Terms & Conditions, annual fee, and other charges apply.

Latitude General Terms and Conditions set out the T&Cs of the Latitude Low Rate Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

⁷If you are approved for a Latitude Gem Visa credit card from 15 October 2025, or have opted into the Latitude Gem Visa Rewards Program by agreeing to vary your contract terms, the following categories for earning Latitude Rewards shall apply.

• Groceries - 5411 and 5499
• Dining and Food Delivery - 5462, 5812, 5813, 5814
• Cinema/ Theatre tickets - 7832 and 7922

When you spend $1,000 or more on eligible transactions on the account within your statement period, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% on qualifying transactions based on the above merchant category 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 earn and receive rewards if you use an intermediary payment platform. An example (but not limited to this list) is PayPal, Google or Amazon.

Exclusions to eligible transactions apply.

The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Gem Visa Rewards Program Terms and Conditions.

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