Latitude Financial Services Credit Cards

Latitude Financial Services (previously GE Money) is a big, non-bank consumer finance company in Australia and New Zealand, with over 2.6 customer accounts. It's one of the few credit card companies in Australia to offer long, in-store finance plans with a range of retailers. You can also get Latitude credit cards with features including no annual fees, no foreign transaction fees and instalment plans.

Comparison of Latitude Financial Services Credit Cards

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Name	Product	Purchase rate p.a.	Interest-free period	Balance transfer rate p.a.	Annual fee
Latitude GO Mastercard		21.45%	Up to 55 days on purchases		$107.40	Choose from 3 interest-free payment plans and and save with a $0 monthly fee when you carry a balance of less than $10.	More Info	Compare	loading Fetching your data...
Latitude Gem Visa		21.45%	Up to 55 days on purchases		$107.40	Offers 0% p.a. for the first 6 months on purchases of $250 or more and long-term interest-free payment plans for up to 60 months.	More Info	Compare	loading Fetching your data...
Latitude 28° Global Platinum Mastercard		21.99%	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	Compare	loading Fetching your data...
CreditLine		22.99%	0 interest free days		$59.40	Available only for Apple products. Offers 0% interest offers, $1,000 and $0 monthly fee when your outstanding balance is less than $10.	More Info	Compare	loading Fetching your data...

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Types of credit cards from Latitude Financial Services

• Interest-free credit cards

The Latitude GO Mastercard and Latitude Gem Visa both offer long 0% interest payment plans at stores across Australia, with partners including Freedom, The Good Guys, JB Hi-Fi and Luxury Escapes. These interest-free finance plans typically last between 12 and 60 months, but if you don't pay them off during the promotional term then you'll be charged a relatively high, expired promotional interest rate on the balance.

The Latitude Gem Visa also offers 0% interest for 6 months on any purchase of $250 or more. After that, any remaining balance from a large purchase will be charged interest at the card's purchase rate.

• No annual fee credit cards

Latitude offers one credit card that charges no annual fee, ever: the Latitude 28° Global Platinum Mastercard. This card also has no foreign transaction fees when you're shopping online or travelling overseas.

Other travel features on this credit card include free Wi-Fi access around the world via Boingo and a flight delay pass that gives you LoungeKey airport lounge access if a registered flight is delayed more than 2 hours.

Benefits of getting a Latitude Financial Services credit card

Getting a credit card through Latitude Financial Services gives you access to a mix of perks depending on the hard – 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:

• Ways to shop straight away

The Latitude Gem Visa and CreditLine both offer a digital card you can start using as soon as your application is approved. With the Latitude Gem Visa, you just need to link your credit card to a mobile wallet (such as Apple Pay) through the Latitude app. With the CreditLine, the details you need will be sent to you in an approval email that you can start using to shop at Apple in-store or online.

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 the Mastercard Priceless Cities program. You'll also get protection with zero liability for fraudulent transactions and 24-hour support services. Plus contactless payments and worldwide acceptance through the Mastercard network.

• Visa benefits

A Latitude Visa credit card also gives you access to exclusive deals for shopping, dining, travel and entertainment, through Visa Offers + Perks. Visa credit cards also come 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 9am and 5pm (AEST).

Eligibility criteria

Before you apply for a Latitude Financial Services 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. 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 the residency requirements vary between cards, check the eligibility details on the application page before you apply to make sure the card works for you.
• Age. You must be at least 18 years of age.
• Income. You should have a steady source of income.

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.

Information and documents you need to apply

Latitude credit card applications applications ask you for a mix of general details and information about your financial situation. This includes:

• 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 which Latitude credit card you apply for, you could be asked about the following details when you apply:

• Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that your credit limit is based on Latitude's assessment of your application, and could be lower than the one you've requested if your application is approved.
• Additional cardholder. If you want to share your account with someone else, you'll need to include their details as part of the application. You can also request an additional cardholder after you get the card. Just keep in mind that you'll be the only one legally responsible for managing the account.

What happens after you apply?

You'll get an email from Latitude with details of your application. You'll also be told if you need to provide more details before the application can be processed.

Frequently asked questions

• Can I use Latitude credit cards anywhere?

  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.

  Latitude CreditLine can only be used for Apple purchases.

• How can I register for the Online Service Account?

  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.

• How can I activate my credit card?

  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.

• Is Latitude the same as GE Money

  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.

Important links and details

• Latitude Financial Services customer service number:1300 552 079
  Hours: 8:30am-6pm Mon-Fri (AEST)
• LatitudePay (buy now, pay later product)
• Latitude Financial Services personal loans
• Latitude Financial Services new and used car loans
• Latitude Financial Services car insurance