What is happening with the Latitude Financial cyber attack?

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.

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.

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.

Can I get a balance transfer to or from a Latitude credit card?

The Latitude Low Rate Mastercard accepts balance transfers from a non-Latitude credit card. You can't transfer a balance from one Latitude account to another. 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.

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.

Latitude credit cards comparison

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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 2.8 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 a credit card with no foreign transaction fees and instalment plans.

Compare Latitude Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Latitude Low Rate Mastercard - Balance Transfer Offer	13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 25 months with 3% balance transfer fee, then 29.99%	Annual fee $69	Balance Transfer offer only available to new customers approved by 31 Jan 2027. Balance Transfer must be submitted by 31 Mar 2027. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Latitude 28° Global Platinum Mastercard Latitude Rewards	28.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 29.99%	Annual fee $0 first year ($96 after)	Offers $0 annual credit card fee in the first year (normally $96), plus $0 foreign exchange fee on purchases online or overseas. New and approved customers only. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Latitude GO Mastercard	28.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 29.99%	Annual fee $143.40	Get 60 months interest-free and bonus gift card up to $1,000 at Harvey Norman when you spend $1,000 on an equal monthly plan. Gift card value is based on the eligible purchase amount. Ends 30 Sep 2026. T&Cs apply.	View details Compare product selectionCompare	loading
Latitude Gem Visa	28.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 29.99%	Annual fee $143.40	Get 0% interest on $250+ purchases and up to 60 months of interest-free payment plans. Plus, earn 3% back in Latitude Rewards. T&Cs apply.	View details Compare product selectionCompare	loading

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Must read: Account fees on Latitude credit cards

Effective 26 July 2026, every Latitude account is charged an account service fee of $11.95 per month. at $11.95, you'll pay $143.40 over 12 months in fees. This is payable, even for those accounts with a balance below $10, a zero balance or in credit/with a positive balance. If you don't pay your minimum repayment (including this fee), a late fee will be charged. This is important if you're not actively using your card and making regular minimum repayments, as your account may go into arrears and in default with monthly account service fees and late fees applied.

Benefits of getting a Latitude credit card

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
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).

How to apply for a Latitude credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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:

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.
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.
The Latitude Low Rate Mastercard accepts balance transfers from a non-Latitude credit card. You can't transfer a balance from one Latitude account to another. 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.

Compare other products from Latitude Financial Services

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Written by

Amy Bradney-George

Journalist

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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

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33 Responses

RayApril 27, 2015

our church would like to apply for business credit card

does 28 degree master card accept application from small business?

thanks

Finder

JonathanApril 29, 2015Finder

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

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 ?

ChrisJanuary 22, 2015

Perfect! Helps enormously, thank you for your response Jonathan

Finder

JonathanJanuary 21, 2015Finder

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

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

Finder

JonathanJanuary 20, 2015Finder

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!

Cheers,

Jonathan

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

Finder

ElizabethDecember 16, 2014Finder

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

kashifAugust 27, 2014

what is your eligibility criteria for credit card

Finder

ShirleyAugust 27, 2014Finder

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

Latitude Credit Cards

Latitude Financial Services offers credit cards with long interest-free finance options, travel benefits and other features you'd expect from a credit card.