Latitude Credit Cards

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 credit cards with no annual fee, no foreign transaction fees and instalment plans.

Latitude Financial Services Credit Card Offer

Latitude 28° Global Platinum Mastercard - Rewards Offer

0% international transaction fees on purchases

Offer ends 31 December 2024

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

Save with no international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.

• Purchase interest rate of 27.99% p.a. | Cash advance rate of 29.99% p.a.
• Up to 55 days interest-free on purchases
• 0% international transaction fees on purchases
• Minimum credit limit of $1,000

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Compare Latitude Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Latitude 28° Global Platinum Mastercard - Rewards Offer Latitude Rewards	Purchase rate p.a. 27.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $96	Go to siteMore Info Compare	Get $200 bonus Latitude Rewards when you spend $2,000 or more on eligible transactions every statement period in the first 3 months from approval. Offer ends 31 December 2024.
Latitude GO Mastercard	Purchase rate p.a. 27.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $131.40	More Info Compare	Choose from 3 interest-free payment plans and save with 6 months interest-free on everyday purchases of $250 or more.
Latitude Gem Visa	Purchase rate p.a. 27.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $131.40	More Info Compare	Get $200 credit back when you spend $1,000 on everyday purchases each month in the first 3 months. Plus, 0% p.a. for 6 months on purchases of $250 or more and long-term 0% payment plans.
CreditLine	Purchase rate p.a. 25.9%	Bonus points N/A	Points per $ spent N/A	Interest-free period 0 interest free days	Balance transfer rate p.a. N/A	Annual fee $71.40	More Info Compare	Available only for Apple products. Offers 0% interest offers on purchases of $150 or more, $1,000 and a $5.95 monthly account fee.

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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, though note that these are not entirely 'free', as monthly fees of $10.95 apply. Depending on the store and offer, you could get an interest-free finance plan for between 12 and 60 months. A high interest rate is charged if you don't pay off the balance by the end of the promotional period.

• No foreign transaction fee credit cards

The Latitude 28° Global Platinum Mastercard has 0% foreign transaction fees, free global data roaming with Flexiroam and airport lounge access if an eligible flight's delayed.

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 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).

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.

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:

• Kogan Money credit cards
• humm credit cards
• Coles credit cards

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

• 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?

  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.

• What is CreditLine?

  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.

• 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 personal loans
• Latitude Financial Services new and used car loans
• Latitude Financial Services car insurance

Compare other products from Latitude Financial Services

• Latitude Financial Services personal loans
• Latitude Financial Services car loans

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 565 Finder guides across topics including:

• Credit cards
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• BNPL
• Money management
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