Thumbnail icon for Latitude

Latitude Infinity Rewards Visa

Purchase rate
20.69% p.a.
Balance transfer rate
No current offer
Annual fees
$69
Interest free days on purchases
55

Mozo editorial review Latitude Infinity Rewards Visa

Last updated: 20 November 2019.

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What's hot
  • Mozo Experts Choice Award winner 2019
  • Low $69 annual fee
  • 1 point per $1 spent earn rate - uncapped
What's not
  • $30 late payment fee
Mozo snapshot

If rewards points are the name of your game, then the 2019 Mozo Experts Choice Rewards Credit Card Award winning Latitude Infinity Rewards Visa credit card might just be your ideal partner. 

Whether you’re looking to rewarded with appliances, gift cards or experiences, the Infinity Rewards Visa card will be able to help you reach your target with its uncapped, 1 point per $1 spent earn rate. Plus with a relatively low annual fee of just $69, you won’t be racking up any unnecessarily high costs along the way.

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Key features

When it comes to a rewards card, points are key. And with an earn rate of one Infinity Point for every $1 you spend, plus uncapped points earning potential, the Latitude Infinity Rewards Visa credit card will ensure your points balance ticks along as you spend.

While the card comes with a budget-friendly annual fee of $69, it does feature a high purchase rate of 20.69%, so it will be worthwhile paying off your balance in full every statement period to make sure you’re not paying more interest than you need to be.

The good thing is that with 55 interest free days for cardholders who do pay off their cards in full each month, there’ll be plenty of time to ensure you avoid carrying a balance.

As part of the Visa network you’ll be able to use the Latitude Infinity Rewards Visa credit card around the world, and you’ll also be able to pay at the counter card-free thanks to Latitude’s compatibility with the likes of Apple Pay, Google Pay and Samsung Pay as well as wearable technology, such as Fitbit Pay and Garmin Pay. Just remember if you do take it on your next next international adventure the card does have a 3.00% foreign exchange margin.

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Who is it good for

The Latitude Infinity Rewards Visa credit card could be a great option for Australians looking for a points earning card without a high annual fee, but are comfortable with paying off their balances in full each statement period in order to avoid the purchase rate.

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Any catches

With a $30 late fee, you’ll certainly want to make sure you make your minimum repayment amount in time (if you do carry a balance).

Rewards program details

Rates and fees information correct as at 26 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$100 Giftcard

10,000 points

$100 Cash

-

Points earning

1 point per dollar on Visa, uncapped

Rewards scheme
Value of rewards points

Spend $10,000 (Visa)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.69% p.a.

  • none

  • No current offer

  • none

  • 20.69% p.a.

  • 55

Fees
  • $69.00

  • none

  • none

  • none

  • $30.00

  • 3%, Min $1.95

  • 3.00%

  • $2.50

  • $10.00

  • $9.00

Features
  • $10.00

  • 2.22

  • 9

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Customer Reviews

How are Latitude credit cards rated by the Mozo community?

Overall
4.7/10
Price
3.8/10
Features
4.5/10
Customer service
5.0/10
Convenience
5.0/10
Trust
4.6/10
Latitude

About Latitude

Latitude positions itself as an alternative to the "Big 4" banks in Australia and offer banking products and services with a focus on convenience and customer service. Latitude provides personal insurance and loans, financing options and credit cards.

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