In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Latitude GO Mastercard

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Purchase rate
27.49% p.a.
Annual fee
$119.4 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers 0% interest payment plans when you make major purchases at participating stores around Australia – but watch out for the revert rate.

If you need to buy a new fridge, television or even want to install solar panels, the interest-free finance options available through the Latitude GO Mastercard could help you get what you need without paying interest straight away. These offers vary between participating stores, but typically offer 0% p.a. for between 12, 18, 24 and 60 months.

The stores where you can get a 0% interest payment plan vary based on your location, so it’s worth checking the Latitude GO Mastercard website to see if the retailer or brand you’re interested in is available. There is also a handful of participating retailers online – including Harvey Norman, The Good Guys and Freedom.


  • Choice of 0% interest payment plans: Equal Monthly, Minimum Monthly, & Flexible
  • When you carry a balance of less than $10, you will not have to pay the $9.95 account servicing fee


  • Does not have a rewards program
  • Charges a 3% foreign transaction fee
  • High purchase and cash advance interest rates

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
From 22 May 2024, the monthly account fee will increase from $9.95 to $10.95.

The Latitude GO Mastercard gives you a way to buy what you want and save on interest costs for a set period of time, with interest-free payment plan offers at partner retailers, including Harvey Norman and The Good Guys. But if you don't pay off the balance of a 0% interest payment plan before it ends, a high interest rate of 29.99% p.a. applies.


Product details

Product Name Latitude GO Mastercard
Purchase rate p.a. 27.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 29.99%
Min credit limit $1,000
Max credit limit $25,000
Card type Mastercard


Available to temporary residents Yes - Conditions apply
Joint application No


Bonus points N/A


Annual fee $119.40
Minimum monthly repayment 3% of the closing balance or $25, whichever is greater
Late payment fee $45
Foreign currency conversion fee 3%
Cash advance fee 3.5% or $4, whichever is greater
Overseas cash advance fee $4.00 in addition to cash advance fee
Additional cardholder fee $0

How to apply

You can apply for the Latitude GO Mastercard online in less than 10 minutes by filling out a secure application form. Before you get started, make sure you meet the following eligibility requirements and have all the documents and details you need handy

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident. If you are a temporary resident and want to apply, you must have a valid visa with at least 12 months remaining.
  • Credit history. Latitude Financial will conduct a credit check when you apply. You can check your own credit score for free through Finder before you apply to help determine if this card is right for you.

Card benefits

  • Interest-free payment plans. You can get access to 3 payments plans to pay off your purchases interest-free, which include:
    • Equal Monthly. This plan requires you to make the same payment each month, but plan terms vary and you'll only find them during promotional periods.
    • Minimum Monthly. With this plan, you only need to pay a minimum payment each month and plans start from 6-month terms. You're also able to make extra repayments during your plan term.
    • Flexible. This plan offers terms starting from 3 months and doesn't require any minimum payments during the promotional period, but you can make payments at any time.
  • 6 months' interest-free. Lattitude also offers you 6 months interest-free on eligible purchases of $250. Just select it in the Lattitude App within 30 days to access the feature and have 6 months to repay your purchase with no fees and only minimum monthly payments required.

Rates & fees

  • Account-servicing fee. When you carry a balance of more than $10, you will be charged a monthly account-servicing fee of $9.95. This could add up to a total of $119.40 per year.
  • Purchase interest rate. When you make purchases on your card, excluding those that are under a 0% interest plan, you'll be charged a rate of 27.49% p.a.

Compare other credit cards with instalment plans

Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee
Citi Clear Card - Exclusive Offer
0% for 24 months with 1.5% balance transfer fee, then 22.24%
$49 first year ($99 after)
Offers 0% p.a. on balance transfers for 24 months (with 1.5% balance transfer fee) and a $49 first-year annual fee.
Qantas American Express Ultimate Card
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card - Cashback Offer
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Low Rate Card
0% for 28 months with 2% balance transfer fee, then 21.49%
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Coles No Annual Fee Mastercard - Bonus Points Offer
0% for 6 months, then 19.99%
Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
Qantas Premier Platinum
0% for 12 months, then 21.99%
$349 first year ($399 after)
Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers. Ends on 01 May 2024.
American Express Explorer Credit Card
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
American Express Platinum Business Card
ABN holders w/ $75,000 revenue. Get 350,000 bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months.
American Express Platinum Edge Credit Card
$0 first year ($195 after)
Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.
American Express Business Explorer Credit Card
$0 first year ($149 after)
ABN holders w/ $75,000 revenue. Save with a $0 first-year annual fee and earn up to 2 points on eligible business spending.
American Express Gold Business Card
ABN holders w/ $75,000 revenue. Get 75,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months. Plus, earn 1.5 points per $1 on eligible spending with Membership Rewards.
Qantas Premier Everyday
0% for 12 months with 2% balance transfer fee, then 21.99%
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Velocity Escape Card
Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
American Express Low Rate Credit Card
Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.
Qantas American Express Premium Card
Get 20,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
American Express Qantas Business Rewards Card
(ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
ING Orange One Low Rate
$0 annual fee and 100% foreign transaction fee rebates for customers with an Orange Everyday account who meet the minimum deposit and spend requirements.
St.George Amplify Signature
0% for 24 months with 1% balance transfer fee, then 21.49%
$199 first year ($295 after)
150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
St.George Vertigo Card
0% for 28 months with 1% balance transfer fee, then 21.49%
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
Westpac Altitude Black
$150 first year ($295 after)
Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).

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September 12, 2023

If I have a Latitude Go, am I able to Balance Transfer out the remaining balance to another institution?


Amy Bradney-George Finder

September 15, 2023

Thanks for your question. Yes, you can apply for a 0% balance transfer offer to a credit card from another financial institution. You will need to provide the account details for your Latitude GO Mastercard account, as well as the amount you want balance transferred. Keep in mind that some credit card brands ask for the account name and number, and others require BPAY details for the account – so make sure you have the required information ready when you apply. I hope this helps.

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April 19, 2023

how do i set a pin for a new card with out phone


Amy Bradney-George Finder

April 21, 2023

Hi Christopher,

You can set a PIN through the online Latitude Service Centre if you have access to a computer. Otherwise, call Latitude on 1300 552 079. I hope that helps.



March 19, 2023

I didn’t apply for Latitude Go Mastercard but received one recently. I have not activated it nor intend to. How open is my information regarding the latest Latitude security breach?


Amy Bradney-George Finder

March 20, 2023

Hi Rose,

Latitude has said it is contacting affected customers directly. But if you didn’t apply for a credit card and received one in your name, it’s a good idea to check your credit report to see if the account details are listed on your credit file. You can do this for free through Finder and then get any mistakes or incorrect details removed from your credit report. You can also contact IDCARE on 1800 595 160 and report incidents through the Australian Cyber Security Centre website. I hope that helps.

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March 04, 2023


Just want to ask is there reward points on the latitude go master card


Amy Bradney-George Finder

March 15, 2023

Hi Jamy,

The Latitude GO Mastercard doesn’t earn reward points, but you can see other credit cards that do earn points in Finder’s guide to reward credit cards. Hope that helps.



January 24, 2019

Can u pay off the Go MasterCard by redeeming points on Go MasterCard?


Jhezelyn Finder

January 28, 2019

Hi Amba,

Thank you for your comment.

According to Go Mastercard, the points are not transferable to other accounts and are not redeemable for cash. Hence, the points cannot be used for repayments on the Go Mastercard.

You can redeem your points for a range of gifts and services via the GO Mastercard Online Service Centre.



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