# To take advantage of up to 55 days Interest Free on credit card general purchases, you need to pay the full closing balance on each statement of account by the applicable due date.

¹ Latitude 28° Global Platinum Mastercard cardholders will be eligible for a $10 Latitude Reward every statement period which is redeemable for an e-gift card from participating retailers when they spend $1,000 or more on eligible purchases using their credit card within the statement period.  

From 29 May 2025, new and approved customers will be eligible for an additional $10 Latitude Reward when they spend $1,000 or more on eligible purchases in a foreign currency within the statement period. For example, if your total spend on purchases in a foreign currency within a statement period is equivalent to AUD$1,000 or more, you will receive a maximum total of $20 in Latitude Rewards. 

Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. The account must be open and not in default of the credit contract when the Latitude Rewards is issued.  

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 28° Global Platinum Mastercard Rewards Program Terms and Conditions. 

² 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 Purchase Protection Insurance are the current holders of the relevant Latitude 28° Global Platinum Mastercard which entitles them to these purchase protection insurance benefits. It is important you read your Latitude 28° Global Platinum Mastercard Purchase Protection Insurance Terms and Conditions. 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. 

³ E-Commerce 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 the current holder of the relevant Latitude 28° Global Platinum Mastercard which entitles them to these e-commerce purchase protection insurance benefits. It is important you read your Latitude 28° Global Platinum Mastercard E-Commerce Purchase Protection Insurance Terms and Conditions. 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.

⁴ The Flight Delay Pass gives free access to select airport lounges, alternatively cardholders can use their Flight Delay Pass to offset a dollar amount off the total bill at select dining options. This will vary based on location and affiliated Lounge Key Partners at the time. Please note that not all airports offer Flight Delay Pass and the selected airports may be restricted to certain terminals. Access to and use of the Flight Delay Pass is subject to the Terms of Use which are subject to change. Further details of the list of lounges that cardholders are eligible to visit and the specific conditions applicable to each lounge access (Conditions of Use) may also be accessed in the Terms of Use. Participating lounges and their Conditions of Use are subject to change. 

⁵$100 Latitude Reward is available to applicants that apply for a Latitude 28° Global Platinum Mastercard and are approved by 28 August 2025. Offer is not available to current 28 Degrees cardholders and is limited to one offer per applicant. To qualify, you must be approved and fulfil on the terms of the offer by spending $1,000 or more on eligible transactions each statement period for 3 months from the date of your approval. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest, and balance transfers into an account. The account must be open and not in default of the credit contract when the redeemable amount is issued. 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 of meeting the spend criteria. The primary cardholder has up to 18 months to redeem from the date of issue. Latitude may vary, extend, or withdraw this offer at any time without notice. 

⁶The $96 annual card fee will be waived for your first year for new and approved Latitude 28° Global Platinum Mastercard customers from 29 May 2025. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year. Each subsequent year, you will qualify for a card fee waiver if you spend at least $12,000 on eligible purchases in the preceding 12-month period. Your annual anniversary date is the date your first full statement cycle begins. The $96 annual card fee is subject to change. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest, and balance transfers into an account. 

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