Latitude Financial Services
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Latitude Credit Cards

Latitude Financial Services offers credit cards with long interest-free finance options, travel benefits and other features you'd expect from a credit card.

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Latitude Financial Services (previously GE Money) is a big, non-bank consumer finance company in Australia and New Zealand, with over 2.6 customer accounts. It's one of the few credit card companies in Australia that offers long, in-store finance plans with partnered retailers. Latitude also offers credit cards with no annual fee, no foreign transaction fees and instalment plans.

Latitude Financial Services Credit Card Offer

Latitude 28° Global Platinum Mastercard

$0 annual fee

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

Save with an ongoing $0 annual fee and no international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.

  • Purchase interest rate of 26.99% p.a. | Cash advance rate of 29.99% p.a.
  • Up to 55 days days interest-free on purchases
  • 0% international transaction fees on purchases
  • Minimum credit limit of $1,000
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Compare Latitude Credit Cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Latitude 28° Global Platinum Mastercard
Purchase rate p.a.
26.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0
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Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.
Latitude GO Mastercard
Purchase rate p.a.
26.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$119.40
More Info
Choose from 3 interest-free payment plans and and save with a $0 monthly fee when you carry a balance of less than $10.
Latitude Gem Visa
Purchase rate p.a.
26.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$119.40
More Info
Offers 0% p.a. for the first 6 months on purchases of $250 or more and long-term interest-free payment plans for up to 60 months.
CreditLine
Purchase rate p.a.
25.9%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
0 interest free days
Balance transfer rate p.a.
Annual fee
$59.40
More Info
Available only for Apple products. Offers 0% interest offers, $1,000 and $0 monthly fee when your outstanding balance is less than $10.
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Types of credit cards from Latitude Financial Services

  • Interest-free credit cards

The Latitude GO Mastercard and Latitude Gem Visa offer long 0% interest payment plans at partnered stores including Freedom, The Good Guys, JB Hi-Fi and Luxury Escapes. Depending on the store and offer, you could get an interest-free finance plan for between 12 and 60 months but a high interest rate is charged if you don't pay off the balance by the end of the promotional period.

  • No annual fee credit cards

Latitude offers one credit card that charges no annual fee, ever: the Latitude 28° Global Platinum Mastercard. This card also has no foreign transaction fees, free global data roaming with Flexiroam and airport lounge access if an eligible flight's delayed.

Account fees on Latitude credit cards
Apart from the 28° Global Platinum Mastercard, all other Latitude credit cards on the market currently charge a monthly account fee. This fee is waived if your outstanding balance is less than $10. In comparison, many other credit cards in Australia charge an annual account fee.

Benefits of getting a Latitude credit card

Getting a credit card with Latitude Financial Services gives you access to a mix of perks, depending on the card. Here are some key features you'll find on most of them.

  • Mobile payments

You can make payments straight from your mobile device by adding your Latitude credit card to any of these digital wallet apps:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Fitbit Pay
  • Garmin Pay
  • Digital cards

The Latitude Gem Visa offers digital card you can start using as soon as your application is approved. You just need to link your credit card to a mobile wallet (such as Apple Pay) through the Latitude app. Just remember to also activate the plastic card when it arrives in the mail.

  • Mastercard benefits

If you have a Latitude Mastercard credit card, you'll get access to exclusive offers for shopping, dining, travel and entertainment through Mastercard Priceless. These cards also offer contactless payments and worldwide acceptance through the Mastercard network, and protection with zero liability for fraudulent transactions and 24-hour global support services.

  • Visa benefits

The Latitude Gem is a Visa credit card, which means you'll get access to Visa Offers + Perks deals for shopping, dining, travel and entertainment through Visa Offers + Perks. It also comes with zero liability for fraudulent transactions, 24-hour emergency support, contactless payments and worldwide acceptance.

  • Latitude financial hardship services

Latitude Financial Services has a dedicated hardship team that offers support if you're having trouble making repayments. You can contact the team on 1800 220 718 from Monday to Friday between 9am and 5pm (AEST).

Who is eligible for a Latitude credit card?

Before you apply for a credit card, there are a few eligibility requirements you'll need to meet. These can be different for each card, but include:

  • Australian residency status. In most cases, you'll need to be a permanent Australian resident or citizen. But if the Latitude credit card you're applying for accepts applications from temporary residents, you'll need to show you legally have the right to work in Australia for at least 12 months and proof that you intend to stay that long. As these cards have different residency requirements, you should check the eligibility details on the application page before you apply.
  • Age. You must be at least 18 years of age.
  • Income. You should have a regular source of income.

Information and documents you need to apply

  • Personal information. Your full name, current residential address, email address, contact phone numbers and date of birth. You'll also need to provide a valid form of photo ID, such as your passport or driver's licence.
  • Financial information. Your income and assets such as savings, property and investments. Plus details about any current credit cards, loans or debts, as well as ongoing expenses like rent, mortgage repayments, transport or anything else that is considered a regular, essential cost. You could also be asked to provide proof of income, such as recent payslips, bank statements or your most recent tax assessment notice from the Australian Taxation Office.
  • Details if you're not an Australian permanent resident. If the credit card your applying for accepts applications from temporary Australian residents, you'll need to provide details of your visa, employment situation and any other documents that show you plan to be in Australia for at least 12 months.
  • Card details. Depending on the card, you may be given the option to request a specific credit limit or additional cardholder as part of the application.

How long does it take to apply?

You can apply for a Latitude credit card online in around 10 minutes when you have all the details you need to fill in the secure application form. After you submit it, you'll get a response within 60 seconds with details of whether your application has been approved, declined or if Latitude needs more details before making a decision.

Have a question about Latitude credit card applications? Call Latitude on 1300 552 079 to talk about your situation.

Credit card brands similar to Latitude

If you want interest-free offers or other in-store benefits, here are 3 other brands you could compare with Latitude:

If you want to take a card overseas, you can also see how the Latitude 28° Global Platinum Mastercard compares to other travel credit cards.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

More guides on Finder

  • CreditLine

    Issued by Latitude Financial, CreditLine allows you to make Apple purchases of at least $150 and then pay them off with 0% interest.

  • Latitude 28° Global Platinum Mastercard

    The Latitude 28° Global Platinum Mastercard can be an ideal option for the international traveller, offering no transaction fees on purchases and no currency conversion fees for overseas transactions. Plus, travel perks including a Flight Delay Pass and free wifi.

  • Latitude Gem Visa Credit Card

    Get access to in-store finance offers around Australia and interest-free options for your everyday purchases.

  • Latitude GO Mastercard Frequently Asked Questions

    Learn how the GO Mastercard works so you can make the most of 0% interest payment plans, and other account features.

  • Latitude GO Mastercard

    The Latitude GO Mastercard offers long-term, 0% interest payment plans at participating retailers.

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29 Responses

    Default Gravatar
    KerryFebruary 13, 2023

    I am a self-funded retiree. Can I obtain a credit card through your company. Thanks.

    Default Gravatar
    MarcusFebruary 14, 2017

    I currently have a GO Mastercard and 28 Degrees Mastercard. Both have the same limit. Would it be possible to balance transfer or combine both cards into 1?

      AvatarFinder
      MayFebruary 15, 2017Finder

      Hi Marcus,

      Thank you for your question and for contacting Finder.

      Unfortunately, balance transfers are not allowed between Latitude Financial Services accounts or its associated entities, so this means that transferring a balance between Go Mastercard and 28 Degrees is not possible.

      However, if you’re planning to combine your balance from your existing credit cards into another different bank, that is possible provided that your chosen bank isn’t included in the same entity. If you wish to more, please read our guide about which credit cards can you balance transfer to and from.

      I recommend that you check the details of the credit card you’re interested in, its eligibility criteria as well as the Product Disclosure Statements/Terms and Conditions before you apply.

      Also if you can, contact first the issuing bank and discuss your options and chances of approval before you send anything final for your application. Just apply for one credit card at a time and ensure your eligibility before submitting your final application. This way you can avoid credit enquiries on your file.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      May

    Default Gravatar
    PeterJune 14, 2015

    Can people with poor credit still get a credit card?

      AvatarFinder
      JonathanJune 15, 2015Finder

      Hi Peter,

      Thanks for your inquiry.

      There are no specific credit card products provided for individuals with poor credit. Your eligibility for a credit card will depend on whether you meet the application criteria and lending requirements of the bank. You may like to refer to our comparison of bad credit personal loans. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Cheers,
      Jonathan

    Default Gravatar
    RayApril 27, 2015

    our church would like to apply for business credit card

    does 28 degree master card accept application from small business?

    thanks

      AvatarFinder
      JonathanApril 29, 2015Finder

      Hi Ray,

      Thanks for your inquiry.

      Latitude Financial Services does not currently provide any business-specific credit cards. You may like to refer to the following link for a list of business credit cards and offers.

      Cheers,

      Jonathan

    Default Gravatar
    ChrisJanuary 19, 2015

    So am I right in thinking that if I have a 28 degree platinum credit card and I purchase items overseas, that if I pay within 55 days of first transaction I will not be charged any fees at all ?

      Default Gravatar
      ChrisJanuary 22, 2015

      Perfect! Helps enormously, thank you for your response Jonathan

      AvatarFinder
      JonathanJanuary 21, 2015Finder

      Hi Chris,

      Thanks for your inquiry!

      With the 28 Degrees Platinum Credit Card, you can receive up to 55 days interest free on purchases including international purchases, no international transaction fees on purchases and no currency conversion fees.

      I hope this helps!

      Cheers,

      Jonathan

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