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Latitude Financial Services Credit Cards

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

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 Low Rate Mastercard

11.99% p.a. interest rate on purchases

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

The Latitude Low Rate Mastercard features a competitive interest rate, a range of complimentary insurance covers and a long interest-free period on purchases.

  • A low purchase interest rate of 11.99% p.a. and a cash advance rate of 20.99% p.a.
  • Complimentary insurance covers including Price Protection, Purchase Protection and Extended Warranty
  • Up to 55 days interest-free on purchases when you pay your balance in full by the statement due date
  • Annual fee of $69 for primary cardholders and $0 additional cardholder fee
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Comparison of Latitude Financial Services Credit Cards

Rates last updated June 26th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Latitude Low Rate Mastercard
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Go to site More info
28 Degrees Platinum Mastercard
28 Degrees Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes, global wifi access and a concierge service.
Go to site More info
Latitude Infinity
Latitude Infinity
20.69% p.a.
$69 p.a.
Earn an uncapped 1.00 Latitude Infinity Reward point per dollar with no expiry, plus get up to 55 days interest-free on purchases.
Go to site More info
Latitude Mastercard
Latitude Mastercard
24.50% p.a.
$69 p.a.
Offers optional Shopper’s Protection insurance, up to 9 additional cardholders at no extra cost and the convenience of Samsung Pay.
More info
Gem Visa Credit Card
Gem Visa Credit Card
0% for 6 months, reverts to 24.99% p.a.
$99 p.a.
Enjoy 0% p.a. interest on purchases over $250 for 6 months, optional shopper's protection insurance and the convenience of Samsung Pay.
More info
Latitude 'Go' Mastercard
Latitude 'Go' Mastercard
22.74% p.a.
$0 p.a.
Enjoy access to the GO rewards program and earn 1 point per $1 spent to redeem at dozens of retailers, plus, a $0 annual fee.
More info

Compare up to 4 providers

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.

  • 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.

  • 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

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Read more on this topic

Guide to Latitude Infinity Rewards

Reward your spending and redeem gift cards, merchandise and experiences with the Latitude Infinity Visa credit card.

Latitude Infinity Rewards Card

Launching in December 2017, the Latitude Infinity Rewards card gives you a way to earn points for your spending with no points cap or expiry.

MYER one rewards program

Get rewarded with shopping credits and a $20 Reward Card when you regularly spend at Myer stores and at any participating affiliate partners.

Latitude Mastercard – Rates & Fees

Enjoy worldwide acceptance, the same interest rate on purchases and cash advances and easy online management for a competitive annual fee.

Gem Visa Credit Card – Review & Application

Gem Visa Credit Card offers payment plans and long-term interest-free terms on purchases over $250, helping you save on interest when you spend on your card. Read this review for the benefits that this cards has to offer.

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, rewards and other account features.

Latitude Go Mastercard – Rates and Fees

If you’re looking for a card with a rewards program, interest-free options and no annual fee, then the Latitude GO Mastercard could be right for you.

Latitude Eco Mastercard

Say how much you love Mother Earth every time you swipe your Latitude Eco Mastercard. It’s the first credit card in Australia with a program that purchases carbon offsets on behalf of cardholders through the Origins Carbon Reduction Scheme.

Ask an Expert

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35 Responses

  1. 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?

    Reply
    • Avatarfinder Customer Care
      MayFebruary 15, 2017Staff

      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

      Reply
  2. Default Gravatar
    NinaSeptember 15, 2016

    Does Latitude Finance have any plans to enter into partnership with retail in the South East Asia market? What about E-Commerce platforms?

    Reply
    • Avatarfinder Customer Care
      DebbieSeptember 20, 2016Staff

      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

      Reply
  3. Default Gravatar
    TanyaMarch 25, 2016

    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?

    Reply
    • Avatarfinder Customer Care
      SharonMarch 26, 2016Staff

      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

      Reply
  4. Default Gravatar
    EmmaDecember 14, 2015

    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

    Reply
    • Avatarfinder Customer Care
      AllyDecember 14, 2015Staff

      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

      Reply
  5. Default Gravatar
    PeterJune 14, 2015

    Can people with poor credit still get a credit card?

    Reply
    • 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 bad credit personal loans.

      Cheers,

      Jonathan

      Reply
  6. 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

    Reply
    • 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.

      Cheers,

      Jonathan

      Reply
  7. 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 ?

    Reply
    • Default Gravatar
      ChrisJanuary 22, 2015

      Perfect! Helps enormously, thank you for your response Jonathan

      Reply
    • 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!

      Cheers,

      Jonathan

      Reply
  8. 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,
    Rey

    Reply
    • Avatarfinder Customer Care
      JonathanJanuary 20, 2015Staff

      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

      Reply
  9. Default Gravatar
    DarrenDecember 16, 2014

    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

    Reply
    • Avatarfinder Customer Care
      ElizabethDecember 16, 2014Staff

      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

      Reply
  10. Default Gravatar
    kashifAugust 27, 2014

    what is your eligibility criteria for credit card

    Reply
    • Avatarfinder Customer Care
      ShirleyAugust 27, 2014Staff

      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

      Reply

Credit Cards Comparison

Rates last updated June 26th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
Go to site More info
ME frank Credit Card
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Go to site More info
Virgin Australia Velocity Flyer Card - Annual Fee Offer
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Go to site More info
Latitude Low Rate Mastercard
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Go to site More info

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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