Right now, the Latitude GO Mastercard offers a long 0% p.a. balance transfer offer that gives you 24 months to pay off existing balances with a one-time 3% balance transfer fee. If you're still repaying your balance transfer after the introductory period, you'll be charged interest at the cash advance rate - currently 29.99% p.a.
Latitude GO Mastercard
- Balance transfer rate for 24 months with 3% balance transfer fee
- 0% p.a.
- Purchase rate
- 27.99% p.a.
- Annual fee
- $131.4 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Save with 0% interest on balance transfers and 0% interest payment plans when you make major purchases at participating stores around Australia – but watch out for the revert rates.
Pros
-
0% p.a. for the first 24 months on balance transfers
-
Choice of 0% interest payment plans: Equal Monthly, Minimum Monthly, & Flexible
-
0% interest for the first 6 months on everyday purchases of $250 or more
-
Up to 55 days interest-free on purchases
Cons
-
Charges a one-time 3% balance transfer fee
-
Balance transfer reverts to the high cash advance rate of 29.99% p.a. after the introductory period
-
Does not have a rewards program
-
Charges a 3% foreign transaction fee
-
High purchase and cash advance interest rates
Details
Product details
| Product Name | Latitude GO Mastercard |
| Balance transfer rate p.a. | 0% for 24 months with 3% balance transfer fee, then 29.99% |
| Balance transfer limit | 85% of available limit |
| Purchase rate p.a. | Purchase rate p.a.27.99% |
| Interest-free days | 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 |
Eligibility
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Rewards
| Rewards program | |
| Bonus points | N/A |
Fees
| Annual fee | $131.40 |
| 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% of transaction value or $4, whichever is greater |
| Overseas cash advance fee | $4 |
| Additional cardholder fee | $0 |
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Amy Finder
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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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Christopher
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.
Rose
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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Jamy
March 04, 2023
Hi
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.
Amba
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.
Regards,
Jhezelyn
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SoapSquash
September 12, 2023
If I have a Latitude Go, am I able to Balance Transfer out the remaining balance to another institution?