Latitude Financial Services offers credit cards with long interest-free finance options, travel benefits and other features you'd expect from a credit card.
Latitude Financial Services (previously GE Money) is a big, non-bank consumer finance company in Australia and New Zealand, with over 2.8 million 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.
We currently don't have that product, but here are others to consider:
How we picked these
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, though note that these are not entirely 'free', as monthly fees of $10.95 apply. Depending on the store and offer, you could get an interest-free finance plan for between 12 and 60 months. A high interest rate is charged if you don't pay off the balance by the end of the promotional period.
No foreign transaction fee credit cards
The Latitude 28° Global Platinum Mastercard has 0% 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 Effective from 17 July 2024, Latitude is changing how they charge the monthly account fee for credit cards that offer Interest Free payment plans. Previously, a fee was not charged if your account fell below $10. From July 17, every account (even those with a balance below $10, a zero balance or those in credit/with a positive balance) is charged an account service fee of $10.95 per month. If you don't pay your minimum repayment (including this fee), a late fee will be charged. This is important to note, because if you're not actively using your card and making regular minimum repayments, your account may go into arrears and in default.
What do Australians think of Latitude credit card provider?
3.6/5 overall for Customer Satisfaction - lower than the average of 4.06, and this was the lowest score in the category
3.9/5 for Trust - lower than the average of 4.4
3.53/5 for Customer Service - lower than the average of 4.06, and this was the lowest score in the category
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 for shopping, dining, travel and entertainment. 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 8:30am 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
On 16 March 2023, Latitude confirmed up to 14 million Latitude customers in Australia and New Zealand were impacted by a cyber attack. This affected both current and past customers with accounts dating back to 2005, including some branded credit cards previously underwritten by GE Money.
Once the attack was discovered, Latitude took immediate action to protect personal information. It has provided updates on the Latitude website and will directly contact anyone affected by email or letter.
The Latitude GO Mastercard, Latitude 28° Global Platinum Mastercard and Latitude Gem Visa can be used to make in-store and online payments in over 200 countries around the world, wherever you see the Mastercard and Visa logos.
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.
Latitude credit cards do not offer balance transfers from other credit cards or accounts. But you can transfer a balance from your Latitude card to a new credit card with a low or 0% balance transfer offer. It just needs to be with a different bank or lender. You also need to provide your Latitude account details as part of the application. In most cases, this will be the BPAY details shown on your statement.
GE Capital's Australian and New Zealand consumer business (including the GE Money brand) became known as Latitude Financial Services in 2015, following an acquisition by Värde Partners, Deutsche Bank and KKR. Many of the products previously branded as GE Money in Australia moved over to Latitude Financial Services branding, including the GO Mastercard, Gem Visa and 28° Mastercard.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
Amy's expertise
Amy has written 531 Finder guides across topics including:
Can I use lattitude gem visa card to pay my tax interest free in Australia?
Finder
AngusJanuary 14, 2025Finder
Hi Jerry, Latitude doesn’t have a partnership with the ATO, so this wouldn’t be an option.
JewanDecember 16, 2024
Could you please help me getting right credit card
1. Latitude gem visa
2. Latitude low rate
I am going to have a big shopping soon
Thank you
Finder
RichardDecember 18, 2024Finder
Hi Jewan,
You have to compare the details of both cards to find which one suits you best. The Gem Visa card lets you get around $200 credit back if you spend $1000 in the first 3 months. There’s a $10.95 monthly fee.
The Latitude Low Rate lets you earn up to $300 in Latitude Rewards. There’s a $69 annual fee.
KerryFebruary 13, 2023
I am a self-funded retiree. Can I obtain a credit card through your company. Thanks.
Finder
AmyFebruary 24, 2023Finder
Hi Kerry,
Please be aware that Finder is not a credit provider. But you can learn more about credit card options when you’re retired in Finder’s guide.
Regards,
Amy
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?
Finder
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
PeterJune 14, 2015
Can people with poor credit still get a credit card?
Finder
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
Read more on Latitude Financial Services Credit Cards
This low rate credit card offers flexible introductory benefits, including a waived annual fee, interest-free purchases, or a reduced balance transfer rate.
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.
The Latitude GO Mastercard offers 0% p.a. on balance transfers for 24 months and a long-term, 0% interest payment plans at participating retailers.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Can I use lattitude gem visa card to pay my tax interest free in Australia?
Hi Jerry, Latitude doesn’t have a partnership with the ATO, so this wouldn’t be an option.
Could you please help me getting right credit card
1. Latitude gem visa
2. Latitude low rate
I am going to have a big shopping soon
Thank you
Hi Jewan,
You have to compare the details of both cards to find which one suits you best. The Gem Visa card lets you get around $200 credit back if you spend $1000 in the first 3 months. There’s a $10.95 monthly fee.
The Latitude Low Rate lets you earn up to $300 in Latitude Rewards. There’s a $69 annual fee.
I am a self-funded retiree. Can I obtain a credit card through your company. Thanks.
Hi Kerry,
Please be aware that Finder is not a credit provider. But you can learn more about credit card options when you’re retired in Finder’s guide.
Regards,
Amy
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.
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
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 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