Latitude Financial Credit Cards

Pauline Hatch     

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 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. Today, Latitude Financial has a number of credit cards on offer, including one that received 5 stars as an Outstanding Value Travel Money Card from Canstar in 2018. Rewards credit cards earn points through Latitude’s own rewards programs, which offer plenty in the way of value in comparison to other banks' rewards programs. One standout feature for Latitude cardholders is the interest-free shopping, which you can get with their 0% p.a. interest payment plans.
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Latitude 28° Global Platinum Mastercard

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Never heard of Latitude Financial?

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

Latitude has some pretty interesting credit cards on the table. From rewards cards and retail cards, to travel cards and no-frills cards, Latitude credit cards are well worth a look.

Latitude's Retail Credit Cards

What are retail credit cards? After all, all credit cards can be used in stores. However, retail credit cards are designed specifically to allow cardholders to make the most of retail purchases.

Here's how. 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'll get 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 the selected stores and healthcare providers, you could earn even longer interest free periods: 12, 24 or up to 60 month interest-free, depending on the card's terms and conditions.

Why should you choose Latitude credit cards?

If you plan on making large purchases with your credit card, this a great way to do it interest-free. Just make sure you pay it off before the interest-free period ends. The standard purchase rate (ie, the interest rate) could really make your eyes water.

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

Latitude Rewards Credit Cards

Retail cards often stray into rewards card territory, because some offer an excellent rewards program too. Latitude has one rewards card on offer, 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.

Latitude Travel Credit 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.

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.

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 on Latitude Credit Cards

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 for New Latitude Cardholders

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.

Latitude 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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49 questions (showing the latest 10 Q&As)



16 June 2024
Check for credit
    Pauline -


    19 June 2024
    Hi Bernadine, if you’re looking for a way to check your credit score, you can use free tools like Finder to check it any time without affecting your score. Thanks!
Young Chul Lee

Young Chul Lee

24 May 2023
I want to cancel my latitude card. But I don't know my account and credit number. what should I do ?
    Pauline -


    25 May 2023
    Hi Young Chul, I suggest giving Latitude Financial a call directly at 1300 552 079 about your concern.
Leanne Gay Bryant

Leanne Gay Bryant

14 November 2022
I have been told by my financial advisor that I have a Latitude cred card open. Can you confirm if I have and if so how do I close it. Think it would be under my married name of Leanne Holben. Thanks Leanne Bryant
    Pauline -


    15 November 2022
    Hi Leanne, you’ve reached - we are a comparison site and aren’t able to help you with your question, sorry. You can contact Latitude Financial directly at 1300 552 079.


24 November 2021
My rewards points have been wiped out. My preferred way of contact was through email. They sent an sms which I thought was a spam. 10 years of never redeemed. So angry what are my rights
    Pauline -


    25 November 2021
    Hi Jos, I’m so sorry to hear about your experience. I would suggest giving Latitude a call directly at 1800 800 230 to check this with them and your options are on retrieving those points. Best of luck with it. Let us know how you go!


20 May 2021
How much credit do you receive on first sign up?
    Roland B Bleyer - Founder


    20 May 2021
    Hi Ed, thanks for your question! Card providers will set a credit limit on the card you applied for. This is based on many eligibility factors including but not limited to your income, any other debts like loans and Buy Now Pay Later services and your credit history. Here’s a page of different cards and providers you can check out.
Kathleen Russell

Kathleen Russell

26 April 2021
Can I change my Infinity card to the Gem card to take advantage of the interest free periods
    Roland B Bleyer - Founder


    5 May 2021
    Hi Kathleen, I googled this for you to find out, but it looks like you'll need to call Latitude for an exact answer. Best of luck


22 April 2021
I'm needing to get a credit card to pay for dental treatment. $2000 deposit is required. So which credit will be suitable? With enough time to pay this off.
    Roland B Bleyer - Founder


    23 April 2021
    Hi Monica, take a look at the credit cards that have a promotional offer of no interest on purchases for a while. Right now you can get up to 17 months interest-free. And there are a few that have 0% p.a. interest for 12 months and an ongoing $0 annual fee. As long as you can pay off the full $2,000 before the introductory period is over, you won't pay any interest and can effectively borrow the money "for free". Just make sure you're making at least the minimum repayment every month - this is usually about $30 or 3% of your total balance. I hope that helps.
Rodney OBrien

Rodney OBrien

23 February 2021
How do i close my accounts.
Sujan Timalsina

Sujan Timalsina

23 January 2021
I got the problem with credit mistakely i got applied $1800 credit and that was already approved. But my purchase order with apple worth$1969.i want to upgrade my credit limit from $1800 to $1969.and i want my credit card to send in different address.
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