Latitude Financial Services

Q: What services do 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.

Latitude Financial Services help people from all walks of life to shop and live better, and for our merchants to grow their businesses. The bank offers simple, flexible options to help you get ahead. From loans to credit cards to insurance, you can do better.

Latitude Financial Services credit cards

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Not available for application via this website

Latitude Gem Visa Credit Card

Highlights

Get 0% interest for 6 months on purchases of $250 or more, ideal for spreading out larger expenses.
Use the interest-free payment options at numerous stores like Harvey Norman, Domayne, Joyce Mayne, and more.
Get additional cards at no extra fee.

Pros

The 0% on interest-free payment plans.
Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.
Pay off interest-free plans early without penalties, giving you flexibility and savings.
Track and manage your card using the Latitude App.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

The $10.95 monthly fee adds up to $131.40 per year.
The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
A 3% foreign exchange fee applies to overseas transactions.
The late payment fee is $45.

Not available for application via this website

Latitude GO Mastercard

Highlights

Earn up to $300 cashback when you spend at least $1,500 on eligible purchases every month for the first 6 months after card approval. Terms and Conditions apply.
Get 0% interest for 6 months on purchases of $250 or more, ideal for spreading out larger expenses.
Use the interest-free payment options at numerous stores like Harvey Norman, Domayne, Joyce Mayne, and more.

Pros

The 0% on interest-free payment plans.
Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.
Pay off interest-free plans early without penalties, giving you flexibility and savings.
Track and manage your card using the Latitude App.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

The $10.95 monthly fee adds up to $131.40 per year.
The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
A 3% foreign exchange fee applies to overseas transactions.
The late payment fee is $45.

Not available for application via this website

Latitude 28° Global Platinum Mastercard®

Highlights

Earn up to $300 cashback when you spend at least $1,000 on eligible purchases every statement period for your first 3 months from approval.
$0 annual fee on the first 12 months.
There are no foreign transaction fees for purchases during travel or online shopping.
Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.

Pros

Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.
The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
Comes with Purchase Protection and E-commerce insurance.
Get an additional cardholder for FREE.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

After the first year, an $8 monthly fee adds up to $96 annually—a reasonable trade-off if the card’s perks align with your spending.
A high purchase interest rate of 27.99% p.a.
The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.

Learn all about

Q&As

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.

What services do 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.