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

Apply by 28 August 2025

Latitude 28° Global Platinum Mastercard

Highlights

Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 28 August 2025. Get a bonus $100 in Latitude Rewards each month when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
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.

*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 28 August 2025. Minimum spend applies.

Pros

Earn up to $340 in Latitude Rewards. New customers only.
Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
Save up to 10% on hotels on your next holiday when booking with Expedia, 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.
Add an additional cardholder at no extra cost.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

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.

Latitude Low Rate Mastercard (1st year no annual fee offer)

Not available for application via this website

Apply by 2 September 2025

Latitude Low Rate Mastercard (1st year no annual fee offer)

Highlights

Limited time offer: Pay no annual card fee in the first year and save $69 when you apply and get approved by 2nd September and make an eligible purchase within 90 days. T & C's apply.
Get 3% back in Latitude Rewards on recurring bill payments with participating utility, telco, and streaming services.
Add an additional cardholder at no extra cost.
Excludes any other offers.

Pros

$0 annual card fee in the first year, when you make a purchase in the first 90 days, followed by a low ongoing fee of $69 per year
The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change). Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).
Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
Get Latitude Rewards when you shop in the merchant offers portal.
Get access to exclusive offers and discounts from hundreds of popular merchants.
Track and manage your card using the Latitude App.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

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.

Latitude Low Rate Mastercard (0% purchase offer)

Not available for application via this website

Apply by 2 September 2025

Latitude Low Rate Mastercard (0% purchase offer)

Highlights

Limited-time offer: Get 0% interest on general purchases for the first 9 months when you apply as a new customer by 2 September 2025. After that, a low ongoing rate of 13.99% applies
Earn 3% in Latitude Rewards on recurring payments with participating utilities, telco, and streaming services.
Add an additional cardholder at no extra cost.
Excludes any other offers.

Pros

Earn Latitude Rewards when you shop in the merchant offers portal.
The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
Get access to exclusive offers and discounts from hundreds of popular merchants.
Track and manage your card using the Latitude App.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

Cash advances attract a high interest rate of 29.99% p.a.
A 3% foreign exchange fee applies to overseas transactions.
The late payment fee is $45.

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.
Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
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

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.
Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.

Pros

Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
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.

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.