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The Latitude Infinity Rewards credit card earns uncapped rewards points on every purchase with no annual fee in the first year. It combines Latitude’s interest-free retail plans with a traditional rewards program — a hybrid approach unique in the Australian market.
Latitude Credit Cards at a Glance
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Why the Latitude Infinity Rewards credit card Stands Out
✓ What makes it worth it:
- Earn rewards points on all purchases — uncapped
- $0 annual fee first year ($99/yr ongoing)
- Interest-free plans at partner retailers
- Points redeemable for gift cards, travel, merchandise
- Mastercard acceptance worldwide
✗ What to consider:
- $99/yr after first year
- 20.99% purchase rate
- Points value lower than airline programs
- 3% foreign transaction fee
- Less established than Big 4 rewards programs
Verdict: Who Should Get This Card?
The Latitude Infinity Rewards suits people who want both a rewards card and access to interest-free retail plans. If you only want rewards, a cashback card gives simpler value. If you only want interest-free plans, the Latitude GO is cheaper at $0/yr.
Ready to apply? Go directly to Latitude:
✓ Official Latitude website • ✓ Secure application • ✓ Takes 5-10 minutes
How do Latitude rewards points compare to airline points? ▼
Latitude points are worth approximately 0.4-0.5 cents each when redeemed for gift cards. Airline points can be worth 1-2 cents for flights. Latitude wins on simplicity, airlines win on value.
Can I use interest-free plans AND earn points? ▼
Yes — you earn points on regular purchases. Interest-free plans at partner retailers are a separate feature available on the same card.
Is the $99 fee worth it? ▼
You need to earn enough points to offset $99/yr. At typical earn rates, that requires $10,000+ annual spend. Below that, a no-fee card is better.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Latitude website before applying.
