Latitude Financial Services Credit Cards

Latitude Financial Services is a provider of credit cards, personal loans, car loans, car insurance, and travel insurance.
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Compare Latitude credit cards

If you’re considering a credit card from Latitude, check out what’s on offer with our comparison table, based on a monthly spend of $2,000.

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Types of Latitude credit cards

At the time of writing, Latitude offers five different credit cards for you to choose from, each of which is designed to suit different credit needs:

  1. Gem Visa (we’ve reviewed this card here)
  2. GO MasterCard (we’ve reviewed this card here)
  3. 28 Degrees Platinum MasterCard (we’ve reviewed this card here)
  4. CreditLine
  5. Latitude MasterCard

We discuss these cards in more detail below.

Latitude Gem Visa

We’ve reviewed the Latitude Gem Visa card in more detail here.

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Interest-free period: Up to 55 days for purchases under $250; up to 6 months for purchases over $250
  • Insurance available: Credit card insurance, Shopper’s Protection insurance
  • Contactless: Contactless payments enabled via Visa payWave
  • Online: Online banking available using the Gem Visa Online Service Centre

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Latitude GO MasterCard

The GO MasterCard is a no annual fee credit card. We’ve reviewed the Latitude GO MasterCard in more detail here.

Features

  • Card type: MasterCard
  • Minimum credit limit: $6,000
  • Interest-free period: Up to 62 days on all purchases. There are also 12-, 18-, and 24-month interest-free payment plans available.
  • Rewards program: Earn 1 GO Reward point for every $1 spent, redeemable for rewards at many different stores
  • Insurance available: Credit card insurance, Buyer’s Protection insurance
  • Contactless: Contactless payments enabled via MasterCard PayPass
  • Online: Online banking available using the GO MasterCard Online Service Centre

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Latitude 28 Degrees Platinum MasterCard

A credit card aimed squarely at travellers, the 28 Degrees Platinum card lets you shop worldwide with no fees for international transactions or currency conversions. The card also provides a 24/7 ‘worldwide concierge’ service that gives you access to a host of holiday services.

We’ve reviewed the Latitude 28 Degrees Platinum MasterCard in more detail here.

Features

  • Card type: MasterCard
  • Minimum credit limit: $6,000
  • Interest-free period: Up to 62 days on all purchases
  • Rewards program: 24/7 Worldwide Concierge service which you can call to get help with booking your perfect holiday. The 28 Degrees concierge staff can help you book event tickets, find the right hotel, research destinations and more, and can even book arrangements for you.
  • Insurance available: Credit card insurance, Buyer’s Protection insurance
  • Contactless: Contactless payments enabled via MasterCard PayPass
  • Online: Online banking available using the 28 Degrees online portal

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Latitude CreditLine Card

Latitude no longer offers the CreditLine Card.

The CreditLine card is now exclusively offered by Apple, and is available from both their online store and in Apple stores. CreditLine allows you to buy Apple products on lengthy interest-free payment plans.

Features

  • Minimum credit limit: $1000
  • Interest-free: Up to 6 months for purchases of $150 to $299; up to 21 months for $300 to $1,499; up to 18 months for $1,500 or more
  • Insurance available: Credit card insurance, Buyer’s Protection insurance

Latitude MasterCard

Features

  • Card type: MasterCard
  • Minimum credit limit: $500
  • Interest-free: Up to 6 months for purchases of $150 to $299; up to 21 months for $300 to $1,499; up to 18 months for $1,500 or more
  • Insurance available: Credit card insurance, Shopper’s Protection insurance
  • Contactless: Contactless payments enabled via MasterCard PayPass
  • Online: Online banking available using the Latitude Online Service Centre

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Latitude Financial Services FAQs

The activation process varies slightly for each of Latitude’s credit card products. With the Gem Visa, you can start shopping online with your account number as soon as you’re approved, whereas with the 28 Degrees Platinum card, you’ll need to wait to receive your card and then phone the number on the card to activate it.

The accessibility of online banking depends on the Latitude credit card product you’ve chosen. All cards except for the Apple CreditLine card are accessible online through an online service centre, where you can login to check your balance, request changes to your credit limit, and more.

When interest is charged

Interest is charged on purchases when you carry a balance on your Latitude credit card. Interest is charged on cash advances from the date of withdrawal. Latitude calculates interest daily on the remaining unpaid balance of your account.

When interest is not charged

Depending on which card you apply for, a different number of interest-free days will apply to Latitude credit card purchases. Interest-free days will only be available if you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days, check out our article on how they work.

Interest-free payment plans are slightly different. Interest-free payment plans will not be charged interest during the scheduled repayment period.

Your initial credit limit is set out in your application based on the information that you provide. You can apply to increase or decrease your credit limit at your own discretion, and Latitude may approve or reject a request based on their lending criteria.

Find out more about how credit limits are determined here.

You can close your Latitude credit card by calling the hotline for the relevant card (see above). Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are cancelling your card because of financial reasons, then you can contact Latitude’s financial hardship team on 1800 220 718 to find any potential solutions.

If you’re cancelling your credit card because you aren’t happy with it, then consider checking out what else is on the market by clicking the button below to compare credit cards using the Canstar website:

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Latitude Financial Services is a financial institution in Australia and New Zealand that offers credit cards, personal loans and car loans, personal insurance, and interest-free and promotional retail finance.

At the time of writing, Latitude advertises they have more than 2.5 million customers across sales finance, credit cards, personal loans, and consumer credit insurance.

Latitude is a renamed and rebranded version of GE Consumer Finance Australia and New Zealand, which in late 2015 was acquired by a consortium consisting of Värde Partners, Deutsche Bank, and KKR.

Latitude employs over 2,200 staff across the two countries, serving customers through a network of brokers, retail partners and online services.

Latitude Financial Services Gem Visa

Canstar Research
Rating:
Award: Outstanding Value Credit Cards

Written by: Sam Bloom | Last updated: