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Balance transfer rate for 12 months with 3% balance transfer fee: 0% p.a.
Purchase rate: 28.99% p.a.
Annual fee: $143.4 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

Save with 0% interest payment plans when you make purchases at participating stores around Australia.

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.

It’s also worth noting that you may need to make regular repayments as part of the plan. And if you don’t pay off the entire purchase by the plan’s end date, you’ll be charged interest at a high rate of 29.99% p.a. The other features include up to 55 interest-free days on purchases and an $11.95 monthly fee that is equivalent to a $143.40 annual fee when you're comparing cards.

Pros

0% interest for the first 6 months on everyday purchases of $250 or more
Choice of 0% interest payment plans: Equal Monthly, Minimum Monthly and Deferred Payment

Cons

Does not have a rewards program
High purchase and cash advance interest rates

Details

Product details

Product Name	Latitude GO Mastercard
Balance transfer rate p.a.	0% for 12 months with 3% balance transfer fee, then 29.99%
Balance transfer limit	85% of available limit
Purchase rate p.a.	Purchase rate p.a. 28.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	29.99%
Min credit limit	$1,000
Card type	Mastercard

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Bonus points	N/A
Rewards points cap	N/A

Fees

Annual fee	$143.40
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

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.

Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, date of birth, email address, phone number, residential address, marital status and number of dependents. You also need to provide a valid form of ID, such as your driver's licence number.
Employment details. You will be asked for details including your salary, job title, length of employment and employer's contact details. You may also be asked for recent payslips, bank statements or other documents that verify this information.
Financial details. This covers other forms of income, such as pension or government payments, your assets and savings, as well as any existing loans, cards and debts. You also need to share details of your regular household expenses, such as rent or mortgage payments, bills and groceries.

Card benefits

60 months Interest-Free plan and bonus gift card. Get 60 months interest-free and up to $1,000 worth of bonus gift card at Harvey Norman when you apply by 31 July 2026 spend at least $1,000 on an equal monthly payment plan.
Balance transfer offer. Save with a 0% p.a. interest rate on balance transfers for 12 months (with a one-time 3% balance transfer fee). At the end of the introductory period, any remaining balance will revert to the cash advance rate, currently 29.99% p.a.

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 lets you make the same payment each month, for an agreed number of months. You're also able to make extra repayments during your plan term.
- Minimum monthly. With this plan, you only need to pay a minimum payment each month. But if you don't repay the full amount by the end of the plan period you get charged interest. You're also able to make extra repayments during your plan term.
- Deferred payment plan. This plan lets you avoid paying anything upfront, allowing you to pay off your spending as you like. But if you don't repay the full amount by the end of the plan period you get charged interest.
6 months' interest-free. Latitude also offers you 6 months interest-free on eligible purchases of $250. Just select it in the Latitude 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.
Mobile payments. You can link your Latitude GO Mastercard with Apple Pay, Samsung Pay or Google Pay to tap and pay with your smartphone or device. You can also use your fitness tracker to make contactless payments with Garmin Pay.

Rates & fees

Account-servicing fee. This card charges a monthly account-servicing fee of $11.95. This could add up to a total of $143.40 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 28.99% p.a.

Interest-free days. When you pay your balance in full, not including balances part of the 0% payment plans, you'll get up to 55 days interest-free on your other purchases.
Cash advance rate. When you use your card for a cash advance transaction, you'll be charged a rate of 29.99% p.a.
Expired promotional purchase rate. If you don't pay off the balance of your 0% interest plan before it ends, any remaining balance will be charged interest at a rate of 29.99% p.a. (variable).

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Latitude GO Mastercard information PDF
2. Latitude GO Mastercard TMD

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Amy Finder

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Federico Riera

September 18, 2025

Do I have travel insurance with me platinum go master card when I book my holiday using it?

Richard Whitten Finder

September 23, 2025

Hi Federico,

This card doesn’t have complimentary travel insurance.

SoapSquash

September 13, 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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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.

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Latitude GO Mastercard

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Eligibility criteria

Required documents

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Rates & fees

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