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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.
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 that offers long, in-store finance plans with partnered retailers. Latitude also offers credit cards with no annual fee, no foreign transaction fees and instalment plans.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Types of credit cards from Latitude Financial Services
Interest-free credit cards
The Latitude GO Mastercard and Latitude Gem Visa offer long 0% interest payment plans at partnered stores including Freedom, The Good Guys, JB Hi-Fi and Luxury Escapes. Depending on the store and offer, you could get an interest-free finance plan for between 12 and 60 months but a high interest rate is charged if you don't pay off the balance by the end of the promotional period.
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, free global data roaming with Flexiroam and airport lounge access if an eligible flight's delayed.
Account fees on Latitude credit cards Apart from the 28° Global Platinum Mastercard, all other Latitude credit cards on the market currently charge a monthly account fee. This fee is waived if your outstanding balance is less than $10. In comparison, many other credit cards in Australia charge an annual account fee.
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
Fitbit 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 deals for shopping, dining, travel and entertainment through Visa Offers + Perks. 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 9am and 5pm (AEST).
Who is eligible for a Latitude credit card?
Before you apply for a 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. But 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 these cards have different residency requirements, you should check the eligibility details on the application page before you apply.
Age. You must be at least 18 years of age.
Income. You should have a regular source of income.
Information and documents you need to apply
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 the card, you may be given the option to request a specific credit limit or additional cardholder as part of the application.
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.
Have a question about Latitude credit card applications? Call Latitude on 1300 552 079 to talk about your situation.
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:
If you want to take a card overseas, you can also see how the Latitude 28° Global Platinum Mastercard compares to other travel credit cards.
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.
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.
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.
Latitude credit cards do not offer balance transfers from other credit cards or accounts. 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.
The Latitude CreditLine Card can be used exclusively with Apple. It offers a digital card and interest-free finance for purchases of $150 or more. But it is not currently accepting new applications, so only existing CreditLine customers can use their card to shop at Apple.
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.
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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 a Flight Delay Pass and free wifi.
Hi Kerry,
Please be aware that Finder is not a credit provider. But you can learn more about credit card options when you’re retired in Finder’s guide.
Regards,
Amy
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.
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.
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.
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.
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I am a self-funded retiree. Can I obtain a credit card through your company. Thanks.
Hi Kerry,
Please be aware that Finder is not a credit provider. But you can learn more about credit card options when you’re retired in Finder’s guide.
Regards,
Amy
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.
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!
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 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.
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