Latitude Financial Services

Latitude Financial Services Credit Cards

Take your pick of no-frills cards, platinum cards, and store cards with Latitude Financial Services.

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Latitude Financial Services (formerly known as GE Money) offers an array of financial services and products, including loans, personal insurance, retail finance, and credit cards. Its offerings of credit cards include Mastercard and Visa credit cards. Use this guide to compare the credit cards you can apply for with Latitude Financial Services in Australia.

Latitude Financial Services Credit Card Offer

Latitude Gem Visa

0% p.a. for 6 months
on purchases of $250 or more

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

Save with 0% interest for the first 6 months on everyday purchases worth $250 or more. Plus, long-term interest-free payment plans.

  • 0% p.a. for 6 months when you spend $250 or more on any purchase, reverts to 19.95% p.a.
  • 0% payment plans from 6 to 60 months
  • Monthly fee: $8.95 (waived if account balance is less than $10)
  • Minimum credit limit: $1,000 | Cash advance rate: 24.99% p.a.
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Comparison of Latitude Financial Services Credit Cards

Name Product Purchase rate Interest-free period Balance transfer rate Annual fee
Latitude Gem Visa
19.95% p.a.
Up to 55 days on purchases
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.
Latitude GO Mastercard
19.95% p.a.
Up to 55 days on purchases
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 28° Global Platinum Mastercard
21.99% p.a.
Up to 55 days on purchases
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
22.99% p.a.
0 interest free days
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

Latitude Financial Services offers a number of no annual fee credit cards and some with special promotions. Latitude Financial Services also offer a credit card with extended interest-free terms. 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.

  • Interest-free credit cards

Cut down your interest costs with an interest free credit card that offers 0% on purchases for a promotional period or interest-free credit cards that charge no interests for up to 55 days when you pay your balance in full.

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.

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

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 flight delay passes 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.

  • Myer Visa Credit Card – Rates and Fees

    Myer is a vast department store retailer in Australia, with outlets available in most major cities. Now, you can use the Myer name wherever you go, with a Myer credit card. Find out more about this card.

  • 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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27 Responses

    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 Customer Care
      MayFebruary 15, 2017Staff

      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!


    Default Gravatar
    PeterJune 14, 2015

    Can people with poor credit still get a credit card?

      Avatarfinder Customer Care
      JonathanJune 15, 2015Staff

      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.


    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?


      Avatarfinder Customer Care
      JonathanApril 29, 2015Staff

      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.



    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 Customer Care
      JonathanJanuary 21, 2015Staff

      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!



    Default Gravatar
    reyJanuary 19, 2015

    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,

      Avatarfinder Customer Care
      JonathanJanuary 20, 2015Staff

      Hi Rey,

      Thanks for your inquiry.

      Unfortunately, the GE Coles Mastercard does not include complimentary travel insurance, you can check this page for a list of complimentary travel insurance cards included.

      I hope this helps!



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