4.6 / 10

based on 902 reviews as rated by Mozo community

Latitude credit cards

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. It's also an award-winning provider as it snapped up two 2020 Mozo Expert Choice Awards. So, whether you’re looking for a rewards program, low fee or low rate credit card, Latitude Financial Services offers options for everyone.

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.

Rates and fees verified as correct at 18 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

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

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 $5.95 monthly fee waived if outstanding balance less than $10

Prestige cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

21.99% p.a.

No current offer

$0

**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.

How are Latitude credit cards rated?

Mozo users have rated Latitude credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Latitude credit cards
Overall
4.6/10
Price
Features
Customer service
Convenience
Trust

615 Reviews

Recent Latitude credit card reviews

Latitude Credit Card review
Overall 1/10
Don't waste your time with Latitude

Was told "Your current application doesn’t meet our acceptance guidelines. You’ll soon receive an email giving you some further information". No email was received. Rang a few days later to find out more information, was given vague responses. I asked to speak to someone else and was on hold for over 20 minutes. My previous latitude account had been paid out early (you would think a good thing), but clearly they are not interested in customers paying their debt off early. After being on hold for ages I was told my application would be reviewed again. Today received an email that it was denied with no specific reason why (again with the generic vague description), despite having a strong income and good credit history.

Read full review

Was told "Your current application doesn’t meet our acceptance guidelines. You’ll soon receive an email giving you some further information". No email was received. Rang a few days later to find out more information, was given vague responses. I asked to speak to someone else and was on hold for over 20 minutes. My previous latitude account had been paid out early (you would think a good thing), but clearly they are not interested in customers paying their debt off early. After being on hold for ages I was told my application would be reviewed again. Today received an email that it was denied with no specific reason why (again with the generic vague description), despite having a strong income and good credit history.

Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jess, Western Australia, reviewed 27 days ago
Latitude GO Mastercard review
Overall 4/10
Dissatisfied.

Fees are too high and security is bad.

Read full review

Fees are too high and security is bad.

Price
3/10
Features
3/10
Customer service
4/10
Convenience
8/10
Trust
2/10
Less
Todd, New South Wales, reviewed about 2 months ago
Latitude Gem Visa review
Overall 1/10
Worse card on earth!

Worse card on earth! Do not get this card. They charged me a $99 annual fee that became $173 within 3 months as they put late charge and interest charge on the annual fee! Customers beware!

Read full review

Worse card on earth! Do not get this card. They charged me a $99 annual fee that became $173 within 3 months as they put late charge and interest charge on the annual fee! Customers beware!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Alex, New South Wales, reviewed 2 months ago
Latitude Gem Visa review
Overall 1/10
Terrible service/stealing money from the customer.

Not enough information is passed to the customer and do not believe what the bank offer. They charged me annual fee (it was not included in my plan and no annual fee was deducted from my account for the first 4 years and all of a sudden deducted annual fee without informing the customer). In addition no notification was provided to notify that interest free period is about to expire and stealing money.

Read full review

Not enough information is passed to the customer and do not believe what the bank offer. They charged me annual fee (it was not included in my plan and no annual fee was deducted from my account for the first 4 years and all of a sudden deducted annual fee without informing the customer). In addition no notification was provided to notify that interest free period is about to expire and stealing money.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jo, Victoria, reviewed 3 months ago
Latitude Low Rate Mastercard review
Overall 10/10
A great option credit card.

The Latitude Mastercard is great if you're careful and pay the used interest free amount before the offer expires. The app is very useful and easy to use, tracking your payments and purchases.

Read full review

The Latitude Mastercard is great if you're careful and pay the used interest free amount before the offer expires. The app is very useful and easy to use, tracking your payments and purchases.

Price
9/10
Features
10/10
Customer service
9/10
Convenience
10/10
Trust
8/10
Less
Mick, Queensland, reviewed 3 months ago

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

Credit card quick links