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Latitude Financial Services

Latitude Financial Services Credit Cards

Latitude credit cards offer long interest-free finance options, plus all the other features you'd expect from a credit card – here's what you need to know.

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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

Name Product Purchase rate p.a. Interest-free period Balance transfer rate p.a. Annual fee

Latitude GO Mastercard

Latitude GO Mastercard
Up to 55 days on purchases
Choose from 3 interest-free payment plans and and save with a $0 monthly fee when you carry a balance of less than $10.

Latitude Gem Visa

Latitude Gem Visa
Up to 55 days on purchases
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.

Latitude 28° Global Platinum Mastercard

Latitude 28° Global Platinum Mastercard
Up to 55 days on purchases
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.


0 interest free days
Available only for Apple products. Offers 0% interest offers, $1,000 and $0 monthly fee when your outstanding balance is less than $10.

Compare up to 4 providers

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.

Account fees on other Latitude credit cards
Apart from the Latitude 28° Global Platinum Mastercard, all other Latitude credit cards currently on the market charge a monthly account fee. But the monthly fee is waived if your outstanding balance is less than $10.

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:

Apple PayGoogle PaySamsung PayFitbit PayGarmin Pay
  • 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.

Have a question about Latitude credit card applications? Call Latitude on 1300 552 079 to talk about your situation.

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

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

More guides on Finder

  • CreditLine

    Issued by Latitude Financial, CreditLine allows you to make Apple purchases of at least $150 and then pay them off with 0% interest.

  • 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

    Get access to in-store finance offers around Australia and 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, and other account features.

  • Latitude GO Mastercard

    The Latitude GO Mastercard offers long-term, 0% interest payment plans at participating retailers.

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27 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?

    • Avatarfinder Customer Care
      MayFebruary 15, 2017Staff

      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!


  2. Default Gravatar
    PeterJune 14, 2015

    Can people with poor credit still get a credit card?

    • 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 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.


  3. 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?


    • 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.



  4. 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

    • 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!



  5. 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,

    • Avatarfinder Customer Care
      JonathanJanuary 20, 2015Staff

      Hi Rey,

      Thanks for your inquiry.

      Unfortunately, the GE Coles Mastercard does not include complimentary travel insurance, you can check this page for a list of complimentary travel insurance cards included.

      I hope this helps!



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