Take your pick of no-frills cards, platinum cards, rewards cards and store cards with Latitude Financial Services.
28 Degrees Platinum Mastercard
$0 annual fee
Eligibility criteria, terms and conditions, fees and charges apply
Latitude Financial Services Credit Card Offer
Enjoy up to 55 days interest-free on purchases, no international transaction fees and free concierge service, without paying an annual fee.
- $0 p.a. annual fee.
- 21.99% p.a. on purchases
- Cash advance rate of 21.99% p.a.
- Up to 55 days interest free
Comparison of Latitude Financial Services Credit Cards
Types of credit cards from Latitude Financial Services
Latitude Financial Services offers a number of no annual fee credit cards, some with special promotions and some that reward your spending with points. Latitude Financial Services also offer a credit card with extended interest-free terms and rewards credit cards. You can compare credit cards from Latitude Financial Services by the card type below.
No annual fee credit cards
Pay your balance in full when your statement arrives and a no annual fee credit card could cost you nothing to own and use. If you don't use your card often, a card with no annual fee could help cut your card costs when you're not using it. Some no annual fee cards come with rewards point, international fee waivers and complimentary insurance, so look out for these extra features to get more value from your card.
Learn more about No Annual Fee Credit Cards
Interest-free credit cards
Cut down your interest costs with cards with 0% on purchases for a promotional period or products that offer up to 55 interest-free days when you pay your balance in full.
Learn more about Interest-Free Credit Cards
Rewards credit cards
Latitude Finance offers three different credit cards that let you earn reward points as you spend. If you're a regular spender who usually pays their balance in full, reward points are an easy way to get more value from your card. As some of these cards may come with annual fees, make sure that the dollar value of the rewards you earn exceed the cost of the card to ensure it's really rewarding you.
Latitude Financial Services credit card benefits
Getting a credit card through Latitude Financial Services comes with its share of advantages, and here’s what you can look forward to as a Latitude Financial Services cardholder:
Hardship provisions
The Latitude Financial Services Hardship team can provide cardholders with assistance in the event they have difficulties in keeping up with their payments. If you feel you’re having trouble making repayments, you can contact the team on 1800 220 718 from Monday to Friday between 9am and 5pm.
Visa & Mastercard perks
Both Visa and Mastercard find global acceptance, so you should have no trouble using any Latitude Financial Services credit cards overseas or in Australia. Plus, both cards come with either Mastercard's PayPass and Visa's payWave technologies, allowing you to make contactless payments of up to $100. You'll also benefit from various security covers when shopping in-store and online.
Ongoing interest-free finance
Not many credit card issuers give you the ability to avail of long-term interest-free periods, and this is something you can look forward to when using a suitable Latitude Financial Services credit card. A growing number of retailers are part of Latitude Financial Services’ retailer partner list, so you can expect to buy just about anything you need and save on interest.
Earn points as you spend
Through the Coles flybuys program, you'll earn flybuys points which you can redeem for discounts at the supermarket or transfer to Velocity Points.
How to apply for Latitude Financial Services credit card?
You can apply for a Latitude Financial Services credit card online with ease. Before you do so, though, make sure you've met the eligibility requirements and prepared the necessary documents to improve your chances of approval:
Eligibility criteria
- You’re a permanent Australian resident
- You’re at least 18 years old
- You have a steady source of income.
Required documents
- Your complete name, residential status, residential address, phone number, and email address
- Details from your Australian passport, driver’s license, or proof of age card
- Your employer’s name and contact details
- Your income details
- Details of all your existing debts.
Latitude Financial Services offer a variety of credit cards to suit many types of cardholders. In order to find the right card for you, compare your options and the cards that best compliment your financial situation.
Frequently asked questions
What happens after I submit my credit card application?
Apply online for a Latitude Financial Services credit card and you will be contacted moments after submitting your application confirming the status of your application. Latitude Financial Services will send you an email confirming your application and they’ll provide you with an application reference number. You can use this number to track your credit card application by calling Latitude Financial Services.
How does the online application process work?
Applying online takes around 10 minutes, and you get a response from Latitude Financial Services in less than a minute. Upon approval, you can begin shopping with your account number immediately, without having to wait for your card to arrive.
How do I transfer a balance to a Latitude Financial Services credit card?
Have a look at our credit card comparison tables to see whether a Latitude Financial Services credit card offers a balance transfer. If the credit card has a balance transfer promotional interest rate displayed on our tables and on our review pages, you can transfer a balance online when you apply for the credit card.
Some Latitude Financial Services cards allow cardholders to make use of promotional balance transfer rates that stay in place for given time periods.
What will my credit limit be?
There’s no way to accurately tell what your credit limit will be. However, your credit limit is based on factors such as your income, credit history and liabilities. After you've applied for your card, you can also contact Latitude Financial Services to request a credit limit increase or decrease. Please note that you'll need to submit evidence of income and other personal information for Latitude Financial Services to assess before you receive approval for a credit increase.
Do Latitude Financial Services credit cards offer interest -free days?
Yes, Latitude Financial Services cards give cardholders the ability to make use of interest-free days on purchases, which can vary in between 55 days and 62 days, depending on the card you use.
How can I register for the Online Service Account?
Before you can view your Latitude Financial Services credit card transactions and manage your account online, you need to register for the Online Service Centre. The process takes a couple of minutes to complete and you will need your account details from a recent statement.
Once you’ve registered for the Online Service Centre, you’ll be able to view e-statements, set reminders to pay your credit card and view credit transactions.
How can I activate my credit card?
Once you get your Latitude Financial Services credit card, activate it by calling the Latitude Financial Services Customer Care Centre. You can start shopping right away when your card is activated.
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?
Hi Marcus,
Thank you for your question and for contacting finder.com.au – we financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.
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. Please refer to this page for guide on which bank you can transfer your balance to and from.
Cheers,
May
Does Latitude Finance have any plans to enter into partnership with retail in the South East Asia market? What about E-Commerce platforms?
Hi Nina,
Thanks for your question.
Please note that you’ve come through finder.com.au an online comparison service and does not represent Latitude Finance.
For now, there are no official statements yet regarding any partnership within South East Asia market. You may need to contact Latitude Finance marketing team directly for that information.
You may wish to check the different credit cards available to use in Southeast Asia here.
I hope this helps.
Cheers,
Debbie
If approved for a 28 degree master card today 25/03/16 is it possible to have the card sent express post to get it before the 6/04/16?
Hi Tanya, thanks for your inquiry.
Please note that you have come through finder.com.au, not Latitude Financial Services.
It will take approximately 5-10 working days from your approval date for you to receive your card.
Thanks,
Sharon
I have an account with GE Money. I have not yet received any statements on my car payments since i bought it Nov 2014. I would also like to apply for a card.
How do I go about this?
Thanks
Hi Emma,
Thanks for your inquiry.
Before applying for a Latitude Financial Services credit card, kindly ensure that you will be able to meet the criteria and provide the requirements enlisted below.
Eligibility criteria:
1. You’re a permanent Australian resident
2. You’re at least 18 years old
3. You have a steady source of income.
Required documents:
1. Your complete name, residential status, residential address, phone number, and email address
2. Details from your Australian passport, driver’s license, or proof of age card
3. Your employer’s name and contact details
4. Your income details
5. Details of all your existing debts
As for the statements on your car payments, kindly get in touch with Latitude Financial Services for direct assistance.
I have emailed you their contact details for your reference.
I hope this has helped.
Cheers,
Ally
Can people with poor credit still get a credit card?
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 bad credit personal loans.
Cheers,
Jonathan
our church would like to apply for business credit card
does 28 degree master card accept application from small business?
thanks
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
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 ?
Perfect! Helps enormously, thank you for your response Jonathan
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
Hi All,
Good day to you.
Like to know whether if I purchased air-ticket using my GE Coles MasterCard, would it already covered the travel insurance so I do not have to buy again.
Appreciate if you could kindly answer this.
Thanks and regards,
Rey
Hi Rey,
Thanks for your inquiry,
Unfortunately the GE Coles Mastercard does not include complimentary travel insurance, for a list of cards that include complimentary travel insurance please see this page.
I hope this helps!
Cheers,
Jonathan
I have a GE Credit line card from 2009. I would like to make a purchase at Harvey Norman. They have 50 months interest free terms. Is my card still valid.
Cheers Darren
Hi Darren,
Thanks for your question.
You’ll need to check the expiry date on your card to see if it has expired. If it has, you will need to get in contact with GE Money to find out about renewing your account or whether you’ll need to apply for a new one.
I hope this has helped.
Thanks,
Elizabeth
what is your eligibility criteria for credit card
Hi kashif,
Thanks for your question.
In most cases you will need to be Australian resident and earning a stable income. Please click through our reviews to see the eligibility criteria for each card.
All the best,
Shirley