Latitude Financial Services Credit Cards | Compare & Apply

Latitude Financial Services Credit Cards

Compare credit cards from one of Australia’s recognised credit providers.

47 reviews
No foreign transaction fees on purchases when travelling or shopping online.
No currency conversion fees.
$0 p.a. annual fee.

Latitude Financial Services is a financial services company with a head office in Melbourne. It is a subsidiary of GE Capital Finance Australasia Pty Ltd, and its ultimate owner is a consortium consisting of US group Värde Partners, Germany’s Deutsche Bank, and global investment firm KKR.

Operating in Australia and New Zealand and employing around 2,200 staff, Latitude Financial Services has over 2.4 million financial product customers. It specialises in partnerships with retailers to assist customers with financing their major purchases.

As well as issuing a number of credit cards it also offers personal loans, car loans, insurance, and interest-free finance for retail purchase.

Credit cards offered

Latitude’s credit card offerings, and the main features of each one, include:

  • 28 Degrees Platinum Mastercard: No annual fee, no international transaction fees, free global Wi-Fi
  • Latitude Low Rate Mastercard: Low interest rate, complimentary purchase protection insurance, extended warranty and lowest price guarantee program
  • Latitude Infinity Rewards Card: Rewards points
  • GO Mastercard: Rewards points, long-term interest-free deals for major retail purchases
  • Latitude Mastercard: Basic credit card with very high interest rates
  • Gem Visa: Six months interest-free on purchases over $250, long-term interest-free deals for major retail purchases

Check out more details of these cards on the page below.

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purchase rate
annual fee
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No foreign transaction fees on purchases when travelling or shopping online.
No currency conversion fees.
$0 p.a. annual fee.
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21.99% p.a.
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$0
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Low ongoing variable purchase interest rate of 11.99% p.a..
Complimentary price protection, extended warranty and purchase protection.
$69 p.a. annual fee.
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11.99% p.a.
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$69
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Latitude Infinity Rewards Card
Unlimited points that never expire.
Earn 1 pt per $1 spent on purchases.
Minimum credit limit of $1,000.
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20.69% p.a.
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$69
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Long interest free days.
Up to 55 days on purchases free of interest.
Earn rewards on the GO Rewards Program.
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22.74% p.a.
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$0
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Up to 55 days on purchases interest free on anything.
Choose a credit limit to suit your lifestyle.
Accepted at over 28 million locations worldwide.
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24.5% p.a.
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$69
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Get 0% interest on purchases of $250 or more.
Long term low interest available on purchases at thousands of stores.
Up to 55 days on purchases.
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24.99% p.a.
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$99
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28 Degrees is the only way to travel

Wave goodbye to fees now.
28 Degrees Platinum Mastercard
47 reviews
Save money on transactions made while overseas.
Great for shopping online from overseas stores.
$0 p.a. annual fee.
Free Global Wi-Fi at more than 1 million hotspots worldwide.

Q&As about Latitude Financial Services Credit Cards from customers

Q: What is Latitude Financial Services?

It’s a financial services company, a subsidiary of GE Capital Finance Australasia Pty Ltd, which is in its turn owned by a consortium consisting of US group Värde Partners, Germany’s Deutsche Bank, and global investment firm KKR.

Operating in Australia and New Zealand and employing around 2,200 staff, Latitude Financial Services has over 2.4 million financial product customers. It specialises in partnerships with retailers to assist customers with financing their major purchases.

Q: What kind of services does Latitude Financial Services offer?

As well as issuing a number of credit cards, Latitude Financial Services also offers personal loans, car loans, insurance, and interest-free finance for retail purchase.

Q: What is the connection between Latitude Financial Services, GE Money and Gem Finance?

Latitude Financial Services previously operated under the name GE Money in Australia, and currently operates as Gem Finance in New Zealand.

Q: What kind of credit cards does Latitude Financial Services issue?

The current range includes:

  • 28 Degrees Platinum Mastercard: No annual fee, no international transaction fees, free global Wi-Fi
  • Latitude Low Rate Mastercard: Low interest rate, complimentary purchase protection insurance, extended warranty and lowest price guarantee program
  • Latitude Infinity Rewards Card: Rewards points
  • GO Mastercard: Rewards points, long-term interest-free deals for major retail purchases
  • Latitude Mastercard: Basic credit card with very high interest rates
  • Gem Visa: Six months interest-free on purchases over $250, long-term interest-free deals for major retail purchases
Q: Can I manage my Latitude Credit Card online?

Yes. You can log in to an online service centre to check your balance, update your details, view your transactions, set up payment reminders and pay off your account.

You can also access account management features via the Latitude mobile app.

Q: Can I use a Latitude credit card to pay with my phone?

Yes, all their credit cards offer the option of paying with any mobile or wearable device, via Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Q: How can I make repayments on my Latitude Financial Services credit card?

You can make payments via the Latitude mobile app, the online service centre, direct debit, BPAY, or in person at an Australia Post office.

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