Latitude credit cards

Latitude
Latitude's overall rating for credit cards

(as rated by the Mozo community)

4.7 / 10

based on 608 reviews

Latitude Financial Services (previously known as GE Money) caters to more than 2.5 million customers offering a range of products including credit cards, personal loans and travel insurance. Whether you’re looking for a rewards program, low fee or low rate credit card, Latitude Financial Services offers options for everyone.

Rates and fees verified as correct at 29 September, 2020. Other information correct at the time of writing.

What credit cards do Latitude Financial Services offer?

Here's a quick look at the kind of credit card you can opt for with Latitude Financial Services.

Low rate credit cards Low rate credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

9.89% p.a.

No current offer

$69

55


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Low fee credit cards Low fee credit cards

Looking for a low fee credit card? Latitude Financial Services offers cards that come with $0 annual fee as well as up to 55 days interest-free on your everyday purchases.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

21.99% p.a.

No current offer

$0

55


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Rewards credit cards Rewards credit cards

You can earn flexible Reward Points on everyday purchases with a Latitude Financial Services credit card and then redeem these points for purchasing different things like home wares, electronics and movie tickets.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, up to 100000 points per year

22.74% p.a.

No current offer

$71

1 point per dollar on Visa, uncapped

20.69% p.a.

No current offer

$69


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Prestige cards Prestige cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

21.99% p.a.

No current offer

$0


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Latitude credit card features in a glance

Rewards programRewards program

With a Latitude rewards card, every dollar you spend on daily purchases can earn you points that can be redeemed for gift vouchers, household items, movie tickets and a lot more.

Online bankingOnline banking

Signing up for Internet banking services with a Latitude Financial Services credit card is quite simple. You can register online or call the customer care department and follow the prompts. Once you’ve set up an online account, you can transfer funds, view statements and pay your bills on the go.   

Interest free daysInterest free days

Latitude Financial Services credit cards come with up to 55 interest free days on purchases depending on which card you opt for. Do remember that you can avoid paying interest on the purchases balance by paying the full closing balance shown on every account statement by the due date.

Contactless payments Contactless payments

You can make tap and go payments with your Latitude Financial Services credit card. That means you won’t need you to swipe, sign or enter your PIN for transactions under $100. You can simply hold your credit card over the reader for a contactless transaction.

International paymentsInternational payments

You can use your Latitude Financial Services credit card to make international transactions online or while you’re travelling overseas. However, keep in mind that you may need to pay certain additional charges such as an international transaction fee of about 3%.

Additional cardholderAdditional cardholder

It’s easy to authorise a close friend or family member as an additional cardholder for your Latitude Financial Services credit card. The additional cardholder will be issued with a card of their own but don’t forget, it will still be your responsibility to meet the repayment obligations. You can make an online application for an additional card.

How are Latitude Financial Services credit cards rated?

Want to know more as to what real customers think about the Latitude Financial Services Credit Cards? Check out our reviews section to see how the Mozo community has rated the different credit cards on features like price, convenience and customer service.

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Overall 4.7

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Trust

608 Reviews

Recent Latitude credit card reviews Recent Latitude credit card reviews

Latitude

Latitude GO Mastercard review

Overall rating   1 / 10

Bad service all round - not recommended

Customer service is appalling. Trying to close my account and they are making it extremely difficult and I wasn’t advised upfront about the fees.

Full review

Customer service is appalling. Trying to close my account and they are making it extremely difficult and I wasn’t advised upfront about the fees.

    Price   1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

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Marie, New South Wales, reviewed 26 days ago

Latitude

Latitude GO Mastercard review

Overall rating   1 / 10

Good for promotions, horrible for purchases.

Store card that's set up to be used as a normal credit card with a high interest rate. Perfect for its intended purpose of interest free promotions from retail stores, however using it as a credit card is just a money pit.

Full review

Store card that's set up to be used as a normal credit card with a high interest rate. Perfect for its intended purpose of interest free promotions from retail stores, however using it as a credit card is just a money pit.

    Price   4 / 10

    Features   1 / 10

    Customer service   6 / 10

    Convenience   2 / 10

    Trust   1 / 10

Less

Ryan, Queensland, reviewed about 1 month ago

Latitude

Latitude GO Mastercard review

Overall rating   1 / 10

Don’t do it. Terrible.

The credit card Latitude had one of the high interest rates around. To make a bpay payment on your own card they charge you a fee. They have the worst bunch of dishonest and untrained unprofessional foreign customer service team I have dealt with....

Full review

The credit card Latitude had one of the high interest rates around. To make a bpay payment on your own card they charge you a fee. They have the worst bunch of dishonest and untrained unprofessional foreign customer service team I have dealt with. I put in a complaint form and that does not even get read or escalated. When I finally get through to CS they say well what do you want us to do about the complaint of giving false names and dishonesty!

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

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Teneka, Queensland, reviewed about 2 months ago

Latitude

Latitude GO Mastercard review

Overall rating   1 / 10

Interest rate far too high

The interest rates are too high. I was getting lots of calls regarding changing to another product/loan. Despite excellent credit, these enquiries drop your rating and they wouldn't accept an application as I am on a pension. I had told them I...

Full review

The interest rates are too high. I was getting lots of calls regarding changing to another product/loan. Despite excellent credit, these enquiries drop your rating and they wouldn't accept an application as I am on a pension. I had told them I wouldn't get accepted but they persisted. Naively I said yes. Now I regret it. Paying it off and cancelling it soon.

    Price   1 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   2 / 10

    Trust   4 / 10

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Sharon, South Australia, reviewed 2 months ago

Latitude

Latitude Mastercard review

Overall rating   0 / 10

CreditLine (Latitude)

I pay more than the minimum every month. And I get charged $30 for late payment fee. This is not acceptable. The payment takes more than 3 days sometimes, so you should be patient instead of charging me. You should have some respect, as people are...

Full review

I pay more than the minimum every month. And I get charged $30 for late payment fee. This is not acceptable. The payment takes more than 3 days sometimes, so you should be patient instead of charging me. You should have some respect, as people are struggling with money due to the COVID-19. So disappointed.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Wadi, Australian Capital Territory, reviewed 3 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

What do you need to apply for a Latitude credit card? What do you need to apply for a Latitude credit card?

After you’ve had a good look at all the different credit cards in the market, if you decide that Latitude Financial Services offers the best credit cards based on your requirements, hit the ‘Go to site’ button on Mozo so you can go to the Latitude website directly.    

To be eligible for a Latitude Financial Services credit card, you’ll need to be at least 18 years of age and a permanent resident of Australia.

  • Here’s a quick checklist documents that you’ll need to provide while filling in the application:
  • A drivers licence, passport or proof of age card
  • Details of your income, assets and liabilities
  • Your employer's name and contact number
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