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Latitude Infinity Rewards Credit Card
6 reviews

Latitude Infinity Rewards Credit Card

points over 12 months Calculate your savings icon

Earn rate per $1

1 point Latitude Infinity Rewards

Bonus points

N/A

Annual fee

$69 p.a.

Pros

Uncapped points earn

Low annual fee of $69

Additional cardholders only charged at $9 per year

Up to 55 days interest free on purchases

Pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Cons

High interest rate

33% of customers who have rated this card would recommend it
  • Rates
    51%
  • Fees
    60%
  • Rewards
    42%
  • Customer Service
    62%
  • Value
    41%
Overall user rating 53%
6 reviews
Interest Rates
Purchase rate 20.69% p.a.
Cash advance rate 20.69% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $69 p.a.
Additional cardholder fee $9 p.a.
Cash advance fee 3%
Foreign transaction fee 3%
Late payment fee $30
Credit card type Visa
Rewards program
Rewards program Latitude Infinity Rewards Latitude Infinity Rewards
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Latitude points 1 point per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Latitude Infinity Rewards Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The Latitude Infinity Rewards Credit Card

Designed to offer a simple way to access rewards on credit card spending, the Latitude Infinity Rewards Credit Card provides an easy-to-understand earn rate of 1 point per $1, with no points cap or points expiry. While additional features are pretty basic, the card makes up for this with its low annual fee, making it the ideal choice for cardholders looking for a low-cost rewards card.

What we love...

One of the things we love most about the Latitude Infinity Rewards Credit Card is its simplicity. There are no complex extras to worry about or convoluted features to get your head round. Quite simply, this is a rewards card. It lets you earn points on your everyday card spending, which can then be redeemed within the Latitude Infinity Rewards online store.

Unlike certain other rewards cards that have tiered points earning, the Latitude Infinity Rewards Credit Card has one earn rate across the board. You will earn 1 point for every $1 you spend on all eligible purchases, excluding cash transactions, balance transfers, insurance premiums and interest, fees and charges.

Again, unlike some rewards cards, the Latitude Infinity Rewards Credit Card does not cap points. Where some cards may reduce the earn rate or cut off points earning altogether after cardholders meet a set spending threshold, with the Latitude Infinity Rewards Credit Card, you can earn as many points as you want.

And because the card has no points expiry either, you will have as long as you need to stack up your points balance and get the rewards you really want.

What about the rewards program? While it may not be a rewards program you’ve come across before, the Latitude Infinity Rewards program offers a flexible option for cardholders who are focused on retail rewards. These include experiences, merchandise and gift cards, with an extensive selection to choose from.

In terms of value, Latitude rewards offers $10 worth of value for every 1,000 points earned. In other words, for every $1,000 you spend on the card, you basically get $10 back in rewards. So, if you redeemed your points for gift cards, you could take home a $50 David Jones gift card or $50 Myer gift card for 5,000 points.

What’s not so great...

As we said, this is a card that keeps it simple. With a focus on rewards, the Latitude Infinity Rewards Credit Card doesn’t offer much else in the way of extras, and no introductory offers to speak of. For some, this will provide the perfect option. For others, those who want more fancy features, it may be a good idea to look elsewhere.

In terms of interest, the Latitude Infinity Rewards Credit Card is not a low rate option. As it has relatively high rates of interest on purchases and cash advances, cardholders would get the most value out of the card by paying off the balance each month on the due date, and avoiding interest altogether.

Why should you choose this card?

With its low annual fee, the Latitude Infinity Rewards Credit Card may suit cardholders looking for a rewards card that doesn’t blow the bank. As long as you clear the balance each month to avoid interest, you can continue to keep costs low by paying a low annual fee, while earning rewards on day-to-day spending. Adding cardholders to account comes at a low $9 fee per year.

Uncertain about applying for a credit card from a company you don’t know much about? Latitude Financial is a well-established financial services provider, with more than 2.4 million customers and a wide range of financial products on offer. In terms of credit cards, other offerings include the 28 Degrees Global Platinum Mastercard, Gem Visa and Go Mastercard.

As for the features offered on the Latitude Infinity Rewards Credit Card, these are limited. Cardholders can expect the standard security and payment features found on all Visa cards, as well as up to 55 days interest free on purchases. To take advantage of this, you must pay the full balance of the account in the month prior, and the month you make the purchase.

With the Latitude Infinity Rewards Credit Card you can pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Overall Rating

Providing access to a flexible rewards program and an easy-to-understand earn rate, the Latitude Infinity Rewards Credit Card offers 1 point per $1, no points cap or expiry, and a low annual fee.

25 questions (showing the latest 10 Q&As)

Wendy Thornton

Wendy Thornton

25 July 2019
how do I claim my reward points
sherie

sherie

10 May 2019
Who is latitude infinity visa affiliated with? is it go mastercard
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2019
    Hi Sherie, here is some more details on Latitude financial - https://www.latitudefinancial.com.au/about-us/. Yes they issue the Go Mastercard and 28 Degrees cards as well. They purchased the cards from GE Money who used to operate them.
June

June

14 April 2019
Hi, can you explain how the 55 days interest free works. if I pay my full amount owed by the due date and then start off with a clean slate does that mean everything I spend after that i have 55 days before I need to pay as long as I pay the minimum amount due in the next statement?? (hope that makes sense) Thanks June
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 April 2019
    Hi June, you are right on the fact that you need to pay off your balance in full to take advantage of interest free days. Though the amount of days you get will depend on when you purchase in your billing cycle. It is up to 55 days rather than straight 55 days. If you make a purchase 10 days into your cycle, then you would have 45 days to pay it off interest free. If you make a purchase in the last 5 days, then you have 5 days. Knowing your billing cycle is critical to understanding up to how many interest free days you can have. Knowing this, you can make bigger purchases near the beginning. Then take advantage of the interest free period to pay it off.
Michelle

Michelle

30 January 2019
I have an old Myer Black Store Credit Card. It expired in 2016 (and I did move a couple of times). Apparently Latitude Finance took over these old store cards. But I can't find any record or detail about it. I have written to Latitude Finance to one, update my details; and two, cancel the card. But I've received no response back. I'm trying to cancel the card as it hasn't been used since 2014 and I don't have any documentation from anyone on it. I don't even have a current card! What do I do?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2019
    Hi Michelle, I would give Latitude Financial credit card customer service a call on 1300 783 520. It doesn't sound like a great situation but its important to make sure that the card is cancelled.
Anthea O'Connor

Anthea O'Connor

20 November 2018
I have a Myer Visa Card - which was apparently changed to a Latitude Infinity Credit card but I have receive nothing. I have been still paying my card debt but no one has been able to help me

Latitude Infinity Rewards Credit Card

Turn everyday spending into the endless possibility of something special with the Latitude Infinity Rewards card. The Latitude Infinity is a credit card issued by Latitude Financial Services and lets you earn unlimited points at an earn rate of 1 point per $1 spent. The points can be spent on redeeming home appliances, electrical goods, experiences and gift cards. The card comes with up to 55 days interest free on purchases and an annual fee of $69.

Key features

  • Earn 1 point per $1 spent - uncapped. 2,000 points has a value of $20
  • Redeem for home wares, electrical goods, experiences and gift cards
  • Purchase rate and cash advance rate of 20.69% p.a.
  • Annual fee of $69
  • Additional cardholders charged at $9 per year
  • Up to 55 days interest free on purchases
  • Pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian permanent resident
  • You have your personal details ready to complete the online application
Latitude Infinity Rewards Credit Card
Latitude Infinity Rewards Credit Card

Latitude Financial Credit Cards

Latitude Infinity Rewards Credit Card

Updated 10 September 2019

Points Earn Rate (per $1 spent)

1

point

Latitude

Rewards Program

Latitude Infinity Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Uncapped points earn
  • Low annual fee of $69
  • Additional cardholders only charged at $9 per year
  • Up to 55 days interest free on purchases
  • Pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

  • High interest rate

Creditcard.com.au review

Editor Review

Latitude Infinity Rewards Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Latitude Infinity Rewards Credit Card

Designed to offer a simple way to access rewards on credit card spending, the Latitude Infinity Rewards Credit Card provides an easy-to-understand earn rate of 1 point per $1, with no points cap or points expiry. While additional features are pretty basic, the card makes up for this with its low annual fee, making it the ideal choice for cardholders looking for a low-cost rewards card.

What we love...

One of the things we love most about the Latitude Infinity Rewards Credit Card is its simplicity. There are no complex extras to worry about or convoluted features to get your head round. Quite simply, this is a rewards card. It lets you earn points on your everyday card spending, which can then be redeemed within the Latitude Infinity Rewards online store.

Unlike certain other rewards cards that have tiered points earning, the Latitude Infinity Rewards Credit Card has one earn rate across the board. You will earn 1 point for every $1 you spend on all eligible purchases, excluding cash transactions, balance transfers, insurance premiums and interest, fees and charges.

Again, unlike some rewards cards, the Latitude Infinity Rewards Credit Card does not cap points. Where some cards may reduce the earn rate or cut off points earning altogether after cardholders meet a set spending threshold, with the Latitude Infinity Rewards Credit Card, you can earn as many points as you want.

And because the card has no points expiry either, you will have as long as you need to stack up your points balance and get the rewards you really want.

What about the rewards program? While it may not be a rewards program you’ve come across before, the Latitude Infinity Rewards program offers a flexible option for cardholders who are focused on retail rewards. These include experiences, merchandise and gift cards, with an extensive selection to choose from.

In terms of value, Latitude rewards offers $10 worth of value for every 1,000 points earned. In other words, for every $1,000 you spend on the card, you basically get $10 back in rewards. So, if you redeemed your points for gift cards, you could take home a $50 David Jones gift card or $50 Myer gift card for 5,000 points.

What’s not so great...

As we said, this is a card that keeps it simple. With a focus on rewards, the Latitude Infinity Rewards Credit Card doesn’t offer much else in the way of extras, and no introductory offers to speak of. For some, this will provide the perfect option. For others, those who want more fancy features, it may be a good idea to look elsewhere.

In terms of interest, the Latitude Infinity Rewards Credit Card is not a low rate option. As it has relatively high rates of interest on purchases and cash advances, cardholders would get the most value out of the card by paying off the balance each month on the due date, and avoiding interest altogether.

Why should you choose this card?

With its low annual fee, the Latitude Infinity Rewards Credit Card may suit cardholders looking for a rewards card that doesn’t blow the bank. As long as you clear the balance each month to avoid interest, you can continue to keep costs low by paying a low annual fee, while earning rewards on day-to-day spending. Adding cardholders to account comes at a low $9 fee per year.

Uncertain about applying for a credit card from a company you don’t know much about? Latitude Financial is a well-established financial services provider, with more than 2.4 million customers and a wide range of financial products on offer. In terms of credit cards, other offerings include the 28 Degrees Global Platinum Mastercard, Gem Visa and Go Mastercard.

As for the features offered on the Latitude Infinity Rewards Credit Card, these are limited. Cardholders can expect the standard security and payment features found on all Visa cards, as well as up to 55 days interest free on purchases. To take advantage of this, you must pay the full balance of the account in the month prior, and the month you make the purchase.

With the Latitude Infinity Rewards Credit Card you can pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Overall Rating

Providing access to a flexible rewards program and an easy-to-understand earn rate, the Latitude Infinity Rewards Credit Card offers 1 point per $1, no points cap or expiry, and a low annual fee.

User reviews

Latitude Infinity Rewards Credit Card ( based on 6 Creditcard.com.au user reviews )

53% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 20.69% p.a.

Cash advance rate 20.69% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $69 p.a.

Additional card holder fee $9 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee 3%

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Latitude Infinity Rewards Latitude Infinity Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Latitude pointsLatitude points 1 point per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Extras

Pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Overview

Latitude Infinity Rewards Credit Card

Turn everyday spending into the endless possibility of something special with the Latitude Infinity Rewards card. The Latitude Infinity is a credit card issued by Latitude Financial Services and lets you earn unlimited points at an earn rate of 1 point per $1 spent. The points can be spent on redeeming home appliances, electrical goods, experiences and gift cards. The card comes with up to 55 days interest free on purchases and an annual fee of $69.

Key features

  • Earn 1 point per $1 spent - uncapped. 2,000 points has a value of $20
  • Redeem for home wares, electrical goods, experiences and gift cards
  • Purchase rate and cash advance rate of 20.69% p.a.
  • Annual fee of $69
  • Additional cardholders charged at $9 per year
  • Up to 55 days interest free on purchases
  • Pay with your choice of mobile or wearable tech using Latitude Pay Any Way - Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent resident

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

25 questions (showing the latest 10 Q&As)

Wendy Thornton

Wendy Thornton

25 July 2019
how do I claim my reward points
sherie

sherie

10 May 2019
Who is latitude infinity visa affiliated with? is it go mastercard
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2019
    Hi Sherie, here is some more details on Latitude financial - https://www.latitudefinancial.com.au/about-us/. Yes they issue the Go Mastercard and 28 Degrees cards as well. They purchased the cards from GE Money who used to operate them.
June

June

14 April 2019
Hi, can you explain how the 55 days interest free works. if I pay my full amount owed by the due date and then start off with a clean slate does that mean everything I spend after that i have 55 days before I need to pay as long as I pay the minimum amount due in the next statement?? (hope that makes sense) Thanks June
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 April 2019
    Hi June, you are right on the fact that you need to pay off your balance in full to take advantage of interest free days. Though the amount of days you get will depend on when you purchase in your billing cycle. It is up to 55 days rather than straight 55 days. If you make a purchase 10 days into your cycle, then you would have 45 days to pay it off interest free. If you make a purchase in the last 5 days, then you have 5 days. Knowing your billing cycle is critical to understanding up to how many interest free days you can have. Knowing this, you can make bigger purchases near the beginning. Then take advantage of the interest free period to pay it off.
Michelle

Michelle

30 January 2019
I have an old Myer Black Store Credit Card. It expired in 2016 (and I did move a couple of times). Apparently Latitude Finance took over these old store cards. But I can't find any record or detail about it. I have written to Latitude Finance to one, update my details; and two, cancel the card. But I've received no response back. I'm trying to cancel the card as it hasn't been used since 2014 and I don't have any documentation from anyone on it. I don't even have a current card! What do I do?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2019
    Hi Michelle, I would give Latitude Financial credit card customer service a call on 1300 783 520. It doesn't sound like a great situation but its important to make sure that the card is cancelled.
Anthea O'Connor

Anthea O'Connor

20 November 2018
I have a Myer Visa Card - which was apparently changed to a Latitude Infinity Credit card but I have receive nothing. I have been still paying my card debt but no one has been able to help me

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