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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 28° Global Platinum Mastercard
$0 annual fee
Eligibility criteria, terms and conditions, fees and charges apply
Latitude Financial Services Credit Card Offer
Save with an ongoing $0 annual fee and no international transaction fees on purchases. Plus, complimentary flight delay passes and global wifi access.
Purchase interest rate of 21.99% p.a. | Cash advance rate of 21.99% p.a.
Comparison of Latitude Financial Services Credit Cards
Updated March 28th, 2020
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 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
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.
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 55 interest-free days on purchases.
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.
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?
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.
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.
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.
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 ?
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.
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
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 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.
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.
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.
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!
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 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
* 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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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.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
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 bad credit personal loans.
Cheers,
Jonathan
our church would like to apply for business credit card
does 28 degree master card accept application from small business?
thanks
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
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 ?
Perfect! Helps enormously, thank you for your response Jonathan
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
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
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
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
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
what is your eligibility criteria for credit card
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
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!
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.
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
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.
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
Hi Charles.
Have a look at our Velocity Global Wallet page.
It has a comparison of exchange rates between a number of travel money card issuer.
Thanks for your question.
Jacob.