4.6 / 10

based on 924 Latitude banking product 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 29 July, 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

19.95% p.a.

No current offer

$107 $8.95 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

Credit cards

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

19.95% p.a.

No current offer

$107 $8.95 monthly fee waived if outstanding balance less than $10

55

24.50% p.a.

No current offer

$69

55

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

631 Reviews

Recent Latitude credit card reviews

Latitude Gem Visa
Overall 1/10
Disgraceful

You are a disgrace to the industry.

Read full review

You are a disgrace to the industry.

Price
2/10
Features
2/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Chris, South Australia, reviewed 6 days ago
Latitude GO Mastercard
Overall 1/10
Disappointed with unreasonable increase fees

I would no longer recommend this product. I am so peeved that they increased the fee from the agreed contract price of $5.95 per month to a whopping $8.95 per month only months after entering into a 60month agreement. There is absolutely nothing you can do about it. $5.95 in my opinion was too high, but was happy to pay it. This is an unreasonable increase that had I known (or even for a minute fathomed) that it would increase so unfairly, I would have gone elsewhere. Shame on Go Latitude.

Read full review

I would no longer recommend this product. I am so peeved that they increased the fee from the agreed contract price of $5.95 per month to a whopping $8.95 per month only months after entering into a 60month agreement. There is absolutely nothing you can do about it. $5.95 in my opinion was too high, but was happy to pay it. This is an unreasonable increase that had I known (or even for a minute fathomed) that it would increase so unfairly, I would have gone elsewhere. Shame on Go Latitude.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Kelly, Queensland, reviewed 23 days ago
Latitude Gem Visa
Overall 1/10
Keep Away from this company.

Latitude Gem Visa like to state "Minimum Payment to Pay" which most of the time will not keep you safely within any Interest Free Period you have. Their warning about this is intentionally not obvious to find on any statement or their website. They also make it very hard to get in contact with them, often you'll never get hold of anyone on the phone, they refuse any contact via social media or email and have removed the option to securely message them whilst logged into their website, the website also has no support contact form. Their whole behavior is under investigation.

Read full review

Latitude Gem Visa like to state "Minimum Payment to Pay" which most of the time will not keep you safely within any Interest Free Period you have. Their warning about this is intentionally not obvious to find on any statement or their website. They also make it very hard to get in contact with them, often you'll never get hold of anyone on the phone, they refuse any contact via social media or email and have removed the option to securely message them whilst logged into their website, the website also has no support contact form. Their whole behavior is under investigation.

Price
3/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Trad, New South Wales, reviewed about 1 month ago
Latitude Gem Visa
Overall 1/10
Don’t trust gem visa

Twice my card has been hacked, I keep it in my safe and only use for repeatable transactions. The first attempt happened while my card had been locked away unused for over 6 months at the full credit limit. The recent fraud attempt was stopped as I declined the transaction, contacted gem and canceled my card, I was assured the transaction was stopped, new card issued etc, now I find out that the transaction went through and now I have to go through the fraud investigation process to reverse that supposedly stopped transaction... I’m trying to close this unsafe account but I can’t as I have to wait 21 days. Don’t trust gem visa!!!

Read full review

Twice my card has been hacked, I keep it in my safe and only use for repeatable transactions. The first attempt happened while my card had been locked away unused for over 6 months at the full credit limit. The recent fraud attempt was stopped as I declined the transaction, contacted gem and canceled my card, I was assured the transaction was stopped, new card issued etc, now I find out that the transaction went through and now I have to go through the fraud investigation process to reverse that supposedly stopped transaction... I’m trying to close this unsafe account but I can’t as I have to wait 21 days. Don’t trust gem visa!!!

Price
5/10
Features
7/10
Customer service
3/10
Convenience
5/10
Trust
1/10
Less
Suzanne, Victoria, reviewed 29 days ago
Latitude GO Mastercard
Overall 1/10
Increased my fees by 50% half way through contract

Signed up to Latitude through Harvey Norman. Easy experience and had no issues to begin with. Had 60 month interest free card, paying a monthly fee for the card. Then my monthly fee was increased 50%. I contacted customer service to ask how they justify a 50% increase in fees, their only response was "we told you by email so it's fine". I replied that there is no way to justify a 50% increase in fee, to which they responded "our product justifies the price". Nothing justifies a 50% increase in fees. Do not under any circumstance use this institution, completely unethical business practices

Read full review

Signed up to Latitude through Harvey Norman. Easy experience and had no issues to begin with. Had 60 month interest free card, paying a monthly fee for the card. Then my monthly fee was increased 50%. I contacted customer service to ask how they justify a 50% increase in fees, their only response was "we told you by email so it's fine". I replied that there is no way to justify a 50% increase in fee, to which they responded "our product justifies the price". Nothing justifies a 50% increase in fees. Do not under any circumstance use this institution, completely unethical business practices

Price
1/10
Features
1/10
Customer service
1/10
Convenience
4/10
Trust
1/10
Less
Doug, New South Wales, 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