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.

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
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Comparison of Latitude Financial Services Credit Cards

Rates last updated September 21st, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
28 Degrees Platinum Mastercard
21.99% p.a.
4.99% p.a. for 6 months
$0 p.a.
Designed for travel, benefit from no international transaction fees on purchases and no currency conversion fees.
Latitude 'Go' Mastercard
22.74% p.a.
$25 p.a. annual fee for the first year ($59.40 p.a. thereafter)
Enjoy free access to the GO rewards program and earn 1.00 point per $1 spent to redeem at dozens of retailers.
Latitude Mastercard
24.50% p.a.
$69 p.a.
Offers the ability to apply for Shopper’s Protection insurance and request up to 9 additional cardholders at no extra cost.
Gem Visa Credit Card
0% p.a. for 6 months (reverts to 24.99% p.a.)
$99 p.a.
Enjoy up to 55 days interest-free on purchases and 0% interest at a variety of retailers across Australia.

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.

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

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.

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.

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.

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.

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.

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.

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.

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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?

    • Staff
      MayFebruary 15, 2017Staff

      Hi Marcus,

      Thank you for your question and for contacting – 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.


  2. Default Gravatar
    September 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?

    • Staff
      DebbieSeptember 20, 2016Staff

      Hi Nina,

      Thanks for your question.

      Please note that you’ve come through 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.


  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?

    • Staff
      SharonMarch 26, 2016Staff

      Hi Tanya, thanks for your inquiry.

      Please note that you have come through, not Latitude Financial Services.

      It will take approximately 5-10 working days from your approval date for you to receive your card.



  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?


    • Staff
      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.


  5. Default Gravatar
    June 14, 2015

    Can people with poor credit still get a credit card?

    • Staff
      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.



  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?


    • Staff
      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.



  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 ?

    • Default Gravatar
      ChrisJanuary 22, 2015

      Perfect! Helps enormously, thank you for your response Jonathan

    • Staff
      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!



  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,

    • Staff
      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!



  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

    • Staff
      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.



  10. Default Gravatar
    kashifAugust 27, 2014

    what is your eligibility criteria for credit card

    • Staff
      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,

Credit Cards Comparison

Rates last updated September 21st, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Until 1 October 2017, exclusive to, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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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