Latitude Financial Credit Cards

Updated 25 May 2020

Latitude Financial Services, previously known as GE Money has big plans to be the best independent financial services provider in Australia and New Zealand. Whilst Latitude Financial Services may be a new name in the consumer finance market, they look after more than 2.4 million customers with sales finance, credit cards, personal loans and consumer credit insurance.

By forging partnerships with some of the most iconic and successful retailers here in Australia, Latitude Financial offers some great ways to shop using their credit cards, including interest free payment plans from a range of outlets.

Having been around for more than 15 years, Latitude Financial started out as the Australian and New Zealand personal finance and motor dealer finance operations of AGC, Australian Guarantee Corporation, when it was acquired from Westpac in 2002 by GE Capital. However, if it’s not a name you’re too familiar with, that could be because Latitude Financial Services in its current form only came into being in 2015 when GE Capital sold the business to a consortium led by Deutsche Bank, Kohlberg Kravis Roberts, and Värde Partners.

Today, Latitude Financial has a number of credit cards on offer, including one that has received 5 stars as an Outstanding Value Travel Money Card from Canstar in 2018. With such a broad range, there are cards that appeal to most needs, from low rate and low fee options designed to help cardholders save money, to rewards cards and shopper cards. Rewards are earned via Latitude’s own rewards programs, which when compared to other banks’ rewards programs could offer plenty in the way of value. One feature cardholders may enjoy on Latitude’s range is interest-free shopping, which can be achieved through 0% p.a. interest payment plans.

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Never heard of Latitude Financial Services?

That’s okay. In the world of finance, Latitude is really pretty new. Perhaps you’ve heard of GE Capital Finance? GE Capital Finance held the reins on Harvey Norman’s interest free offers.

More on Latitude Financial Services

Now? GE Capital Finance has been rebadged and has a whole new look. Following a makeover in late 2015, GE Capital Finance became Latitude Financial Services. Lovely. But what does that have to do with you exactly?

Well, Latitude has some pretty interesting credit cards on the table. If you happen to be looking for a credit card, Latitude could have the very one for you. From rewards cards and retail cards, to travel cards and no frills cards, Latitude credit cards are well worth a look.

Retail Credit Cards

What are retail credit cards? We get it. All credit cards can be used in retail environments. That’s kind of what they’re for: buying stuff. However, retail credit cards are designed specifically to allow cardholders to make the most of retail purchases.

Let us explain. The GEM Visa Credit Card is a great example of a retail credit card. If you use the card to make a purchase over $250, you can enjoy up to six months interest free. Yep, six months. Or, for purchases under $250, you can receive up to 55 days interest free.

If you happen to use the card at any of 9,000 selected stores and healthcare providers, you could enjoy even longer interest free periods. One, two and three years interest free, depending on the card’s terms and conditions.

To make this deal even sweeter, the card also offers extras such as GEM Visa Fraud Security Protection, and Shoppers’ Protection insurance, which can protect against price dropping, theft, loss and damage.

Why should you choose these cards?

If you plan on making large purchases with your credit card, this is the way to do it. You can buy the stuff you want, and pay it off without having to worry about interest. Just make sure you pay it off before the interest free period ends though. The standard purchase rate could really make your eyes water.

Before you start using your card, check out which retailers participate in the longer interest free offers. You can find big names such as The Good Guys, Super A-Mart and Michael Hill, to name but a few.

Rewards Cards

Retail cards often stray rewards cards’ territory. These are the kinds of cards that are great for retail shopping – but they also offer a retail rewards program. Latitude has two reward cards on offer, Latitude Infinity Rewards Credit Card and the GO Mastercard.

When it comes to rewards cards, you need to make them work for you. Rewards cards often charge higher annual fees and higher rates of interest. In terms of annual fees, you need to make sure you get more back in rewards than you pay out in annual fees.

When it comes to interest, you need to pay off your balance before interest starts accruing. If you don’t, you may end up losing out – no matter how many rewards points you earn.

Another biggie with rewards cards is choosing a rewards program that rewards your spending – and gives you the rewards you want to use.

Go Mastercard

If you want to earn rewards points on everyday spending, the Go Mastercard could be for you. You can earn 1 Go Reward points for every dollar spent on the card, which can then be redeemed at dozens of retailers. Points never expire but they are capped at $100,000 per year.

Similar to the retail cards mentioned above, you can also enjoy extras such as interest free shopping. You can receive up to 55 days on all purchases, as well as a range of longer interest free terms at certain retailers. Again though, make sure you pay it all off before interest starts accruing. Purchase rates on these cards all sit pretty high.

As for annual fees, this card doesn’t actually have one. However, you will pay an ongoing $5.95 monthly fee. You’ll also pay a one-off establishment fee of $25.

Travel Cards

Thinking of travelling overseas? Travelling is awesome. It broadens the mind and all that good stuff. But, it can be mighty expensive. If you already have a credit or debit card, check out how the fees stack up for overseas use.

When you use a standard credit or debit card overseas, you can get hit with all sorts of fees. You may have to pay for ATM withdrawals – both with the issuing ATM provider and your card provider. You may have to pay currency conversion fees, or transaction fees.

Designed as a travel credit card, the 28 Degrees Platinum Credit Card can help cut down on all those pesky fees you pay when travelling overseas. You will pay no international transaction fees on purchases, and no currency conversion fees. On top of that, no annual fees. What a winner.

Well, yes it is actually. The 28 Degrees Platinum Credit Card won the 2015, 2016, 2017 and 2018 Canstar Award for best travel credit card. Want some extras? You got it. This card offers a 24/7 Platinum Concierge service and Fraud Protection Cover.

Why should you choose these cards?

This type of card is perfect for travelling overseas and saving money on fees. If you love doing both of those things, then this could be for you. You can also enjoy some interest free leeway on your purchases. The 28 Degrees Platinum Credit Card offers up to 55 days interest free.

One thing to think about though is cash advances. This is a credit card, so if you use it to take money out of an ATM, you will pay a cash advance fee. You will also start paying interest at the card’s cash advance rate from the moment you use that ATM. Be smart. Don’t save all that money on transaction fees only to get tripped up on ATM withdrawals.

No Frills Cards

Want a credit card? Not interested in the bells and whistles? A no frills credit card could be for you. These cards are designed to do one thing: provide credit. The Latitude Low Rate MasterCard is one such example of this type of card.

One of the main benefits of no frills cards is that they’re super easy to understand. You won’t get tripped up with tricky introductory offers. You don’t have to worry about complicated rewards programs. You don’t have to think about features you’re paying for but not using.

With the Latitude Low Rate Mastercard, your purchase rate is very low and you can enjoy up to 55 days interest free on purchases. As long as you pay off the balance within that interest free period, the card offers a great way to access credit.

Why should you choose these cards?

If you want an easy-to-use, easy-to-understand credit card, a no frills card is an excellent option. You know exactly what you’re getting, with nothing to trip you up. It gives you access to credit, so you can make purchases and then pay them off.

While they don’t have any fancy frills or features, they do offer the basics. This can include security features, accessibility and interest free periods.

Who is Latitude?

Based in Australia and New Zealand, Latitude Financial Services offers a range of financial products and services, including credit cards, insurance and loans.

As we know, this new look organisation was once GE Capital Finance. So, despite its makeover, it’s really not ‘new’. For one thing, Latitude has 2.4 million customers. Not many start-ups can say that. And another thing, Latitude still offers many of the products GE Capital Finance offered – with many of the same retailer partnerships.

What does that mean for you? If you apply for a credit card from Latitude, you have a pretty decent range to choose from. Okay, the range doesn’t have frequent flyer or prestige cards packed with features. But, it does offer a selection of extremely usable rewards, travel and retail cards. As for interest free offers? These cards have ‘em in spades.

Introductory Offers

Unlike other credit cards, Latitude cards don’t always have those big shiny introductory offers. However, they do come up now and again. Let’s have a look at some of those offers and how they work.

No Annual Fee Offers

With these offers, you’ll pay no annual for a certain period, or for the life of the card. If you want to save money, then this type of offer is perfect. You can enjoy all the benefits the card offers, without paying out in annual fees. If you do choose a card with this type of offer, make sure you know what annual fee you’ll pay at the end of the intro period.

Purchase Rate Offers

Cards with a purchase rate offer have an introductory period where purchases attract low or no interest. These are awesome if you want to put something big on your card and pay it off with no interest.

It’s worth bearing in mind that many of Latitude’s credit cards have interest free offers as standard. Check the small print to find out the details, including payment plans and participating retailers. Just make sure you pay off your purchases within the interest free period. Those interest rates could really sting.

Balance Transfer Offers

When you transfer a balance from an existing card to a balance transfer card, you will pay low or no interest for a certain period of time. If you have existing credit card debt, this can be a great way to pay it down while avoiding interest. Any balance left unpaid when intro period ends attracts the card’s revert rate.

Rewards Offers

Rewards offers are really quite common on rewards cards. They often come in the form of bonus points on sign-up, or additional points on the standard earn rate. As with any offer, you have to read the fine print. To be eligible for the bonus points, you may have to spend a certain amount with a certain retailer within a certain timeframe.

Other Offers

Other small offers often crop up. While they may not be as big and shiny as other offers, if they work for you, that’s all that matters. Keep an eye out for offers that work with your credit card spending and make the most of them.

Recently Asked Questions

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32 questions (showing the latest 10 Q&As)

Mum

Mum

5 June 2020
Am bit unsure about this app as I have put in my details but it not sending me six codes number via email, strange
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2020
    Hi Mum, I am not sure that it is supposed to send an email. I would assume that it would be sending a text to your phone with the six codes. I do not personally have this app so am unsure. I would reach out Latitude customer service if you are still having problems. https://www.latitudefinancial.com.au/contact-us/
carmel

carmel

2 June 2020
Have not recieved statement what date is my next payment due
sammy

sammy

1 June 2020
Hi Just wanted to know how long do i need to be in my current job if i apply for a personal loan?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 June 2020
    Hi Sammy, it varies depending on your situation. The big thing also is how long you were out of work. If you just switched jobs and stayed employed. Then the time is shorter. As a guide I suggest waiting at least 6 months at the new employer.
James Maggs

James Maggs

26 May 2020
I have a payment due on 27th May does the payment have to be made on or after or is the payment still be payed today 26th May
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2020
    HI James, I would say on or before. After could attract a late payment fee. There can be a lag from you making a payment before it hits the account. Therefore you should make sure you have at least a few days left when making payments. Late fees add up and affect your credit history. So its really important to address these.
Jennifer ferguson

Jennifer ferguson

12 May 2020
I don't have any of those cards I have a credit line repeat purchase & cash card ATM eftpos what do I do
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2020
    Hi Jennifer, what do you want to do? Do you want to close your current line of credit and move to something else?
Rhonda Diss

Rhonda Diss

20 April 2020
I would like to close my Latitutude infinity rewards visa card and open a Latitude 28 Global Platinum Mastercard as I want a card with no annual fee. Is this possible?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 April 2020
    Hi Rhonda, this is possible, subject to credit approval. Latitude are struggling somewhat with Convid-19 and customer service. You could apply for the 28 Degrees card now and cancel your other card post approval. Or you could risk it, then cancel your current card (which would give higher approval chance). Then apply for the 28 Degrees post this. I would say to contact customer service. Though I am not sure how long it will take them to get back to you. https://www.facebook.com/latitudefinancialservices/
Monika Said

Monika Said

17 April 2020
How do I recover my infinity points
Karen Nixon

Karen Nixon

15 April 2020
How much money have I spent on the card now?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 April 2020
    Hi Karen, you will have to speak to Latitude Financial for this information. Or you should be able to login into your credit card account https://www.latitudefinancial.com.au/
khedir moussa

khedir moussa

7 April 2020
hi i am a latitude card holder i was trying to log in my account and looks like i forgot my password and not sure who to call or how to fix this.
Noelene McArdle

Noelene McArdle

2 April 2020
I have been on the phone for three hours trying to find out what my account number is for my new Latitude GEM Visa card is? Can you help me? Cheers Noelene
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 April 2020
    Hi Noelene, Have a look at the Facebook page - https://www.facebook.com/latitudefinancialservices/. They provide details of how to contact Latitude. Unfortunately as a credit card comparison site we cannot assist with any information that we do not have. The company is struggling with customer service right now based on the amount of people having issues.
Pujap

Pujap

30 March 2020
I can’t login my account it has been suspended and have di my payment which is due
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 March 2020
    Hi Pujap, I hear you that Latitude is having some troubles. The Latitude call centre has been crushed by Coronavirus. This is impacted much of the customer service. You can try and reach out to them on facebook - https://www.facebook.com/latitudefinancialservices/
arpan

arpan

28 March 2020
i want to buy mac what will i be paying to you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 March 2020
    Hi Arpan, it depends on what card you have and what type of interest free plan you are looking at.
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