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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 2.8 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.
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 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 Effective from 17 July 2024, Latitude is changing how they charge the monthly account fee for credit cards that offer Interest Free payment plans. Previously, a fee was not charged if your account fell below $10. From July 17, every account (even those with a balance below $10, a zero balance or those in credit/with a positive balance) is charged an account service fee of $10.95 per month. If you don't pay your minimum repayment (including this fee), a late fee will be charged. This is important to note, because if you're not actively using your card and making regular minimum repayments, your account may go into arrears and in default.
What do Australians think of Latitude credit card provider?
3.6/5 overall for Customer Satisfaction — lower than the average of 4.06, and this was the lowest score in the category
3.9/5 for Trust — lower than the average of 4.4
3.53/5 for Customer Service — lower than the average of 4.06, and this was the lowest score in the category
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.
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.
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 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 584 Finder guides across topics including:
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 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
AnneMarch 22, 2014
Why cant I use my GE credit card at the Westpac branch in Mt Gambier to make a withdrawal. Why can I only make withdrawals at the ATM and you are charging me $30 for a $1,000 withdrawal!
Finder
JacobMarch 25, 2014Finder
Hi, Anne.
If you’re withdrawing $1000 from your available credit limit through a cash advance facility, you’ll incur a 3% charge, which is $30.
Thanks for your question.
bruceFebruary 14, 2014
I am waiting on a replacement card to arrive…In the meantime can I go into a west pac bank and get a cash advance over the counter
Finder
JacobFebruary 14, 2014Finder
Hi, Bruce.
Thanks for getting in touch with us.
You can still access your account in-branch while you’re waiting for a replacement card. You may also be able to access your account through internet banking.
I hope this helps.
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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
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
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
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
what is your eligibility criteria for credit card
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
Why cant I use my GE credit card at the Westpac branch in Mt Gambier to make a withdrawal. Why can I only make withdrawals at the ATM and you are charging me $30 for a $1,000 withdrawal!
Hi, Anne.
If you’re withdrawing $1000 from your available credit limit through a cash advance facility, you’ll incur a 3% charge, which is $30.
Thanks for your question.
I am waiting on a replacement card to arrive…In the meantime can I go into a west pac bank and get a cash advance over the counter
Hi, Bruce.
Thanks for getting in touch with us.
You can still access your account in-branch while you’re waiting for a replacement card. You may also be able to access your account through internet banking.
I hope this helps.