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.
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.
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.
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.
Based on Latitude credit card provider scores in Finder's 2024 Customer Satisfaction Awards.
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.
You can make payments straight from your mobile device by adding your Latitude credit card to any of these digital wallet apps:
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.
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.
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 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).
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:
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.
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.
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.
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
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 expertiseCreditLine 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 – Rewards Offer 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.
Latitude Gem Visa Credit Card Get access to in-store finance offers around Australia and interest-free options for your everyday purchases.
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.
Finder
Amy February 24, 2023 FinderHi 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?
May February 15, 2017 FinderHi 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
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
Jonathan April 29, 2015 FinderHi 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
Chris January 19, 2015So 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 ?
Chris January 22, 2015 Perfect! Helps enormously, thank you for your response Jonathan Jonathan January 21, 2015 FinderHi 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
Load More CommentsAustralia
Level 10, 99 York St, Sydney NSW 2000
Finder acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.
How likely would you be to recommend Finder to a friend or colleague?
Very Unlikely Extremely LikelyThank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market. Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them. Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options. Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
