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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.

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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
on purchases of $250 or more

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

Receive a 0% purchase offer, a protection insurance and three interest-free payment plans.

  • 0% p.a. for the first 6 months on purchases worth $250 or more, reverts to 24.99% p.a.
  • Up to 55 days interest-free on purchases
  • Annual fee: $99 | Cash advance rate: 24.99% p.a.
  • Minimum credit limit: $1,000
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Comparison of Latitude Financial Services Credit Cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Latitude Gem Visa
Latitude Gem Visa
24.99% p.a.
Up to 55 days on purchases
$99
Enjoy 0% p.a. interest on purchases over $250 for 6 months, optional shopper's protection insurance and the convenience of Samsung Pay.
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More Info
Latitude 28° Global Platinum Mastercard
Latitude 28° Global Platinum Mastercard
21.99% p.a.
Up to 55 days on purchases
$0
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
More Info
Latitude GO Mastercard
Latitude GO Mastercard
22.74% p.a.
Up to 55 days on purchases
$96.40 annual fee for the first year ($71.40 p.a. thereafter)
Choose from 3 interest-free payment plans and earn 1 GO Rewards point / $1 spent. Plus, no monthly fee when you carry a balance of less than $10.
More Info
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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 that offer 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.

  • 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 GO Rewards program or Infinity Rewards program you can earn points per $1 spent on some Latitude credit cards.

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

  • Latitude Low Rate Mastercard

    With a low purchase interest rate, up to 55 days interest-free and complimentary purchase covers, discover how you could save with the Latitude Low Rate Mastercard.
  • Latitude Infinity Rewards Card

    The Latitude Infinity Rewards credit card earns 1 point per $1 spent and a range of rewards, including gift cards that give you a 1% redemption rate.
  • Latitude Mastercard

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

  • 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

    The Latitude Gem Visa has a $99 annual fee and gives you access to in-store finance offers around Australia, plus 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, rewards and other account features.
  • Latitude GO Mastercard

    The Latitude GO Mastercard offers long-term, 0% interest payment plans at participating retailers and rewards for your everyday spending.

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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?

    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
    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
    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
    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
    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
    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
    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
    Default Gravatar
    AnneMarch 22, 2014

    Why cant I use my GE credit card at the Westpac branch in Mt Gambier to make a withdrawal. Why can I only make withdrawals at the ATM and you are charging me $30 for a $1,000 withdrawal!

    Reply
      Avatarfinder Customer Care
      JacobMarch 25, 2014Staff

      Hi, Anne.

      If you’re withdrawing $1000 from your available credit limit through a cash advance facility, you’ll incur a 3% charge, which is $30.

      Thanks for your question.

      Reply
    Default Gravatar
    bruceFebruary 14, 2014

    I am waiting on a replacement card to arrive…In the meantime can I go into a west pac bank and get a cash advance over the counter

    Reply
      Avatarfinder Customer Care
      JacobFebruary 14, 2014Staff

      Hi, Bruce.

      Thanks for getting in touch with us.

      You can still access your account in-branch while you’re waiting for a replacement card. You may also be able to access your account through internet banking.

      I hope this helps.

      Reply
    Default Gravatar
    CharlesSeptember 11, 2013

    I have read about travel cards and their fees but is there any info on exchange rates and how they compare? I am particularly interested in the GE 28 degrees card

    Reply
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