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Latitude GO Mastercard Frequently Asked Questions

We've read all the fine print. Here's how to get an interest-free payment plan, increase your credit limit, cancel your GO Mastercard account and more.

The Latitude GO Mastercard is a credit card that gives you access to long-term 0% payment plans at participating retailers, including Domayne, Harvey Norman and Joyce Mayne. It also offers interest-free days on everyday purchases along with rates and fees for the account.

If you've got a Latitude GO Mastercard or are thinking about getting one, here you'll find answers to some of the most common questions about this credit card.

Top FAQs for the Latitude GO Mastercard

These are the most common questions we're asked about the GO Mastercard. You'll also find answers to other FAQs – organised by topic – in the sections below.

Interest rates and fees

What interest rate will I pay on the Go Mastercard?

Beyond the 0% interest payment plans, the Latitude GO Mastercard has three different interest rates that may be applied depending on the type of balance you have on the card. These are:

  • Purchase rate. This is the standard rate of interest applied to new purchases if you carry a balance from month to month. It’s currently 27.49% p.a. variable.
  • Cash advance rate. Withdrawing cash from an ATM, using the card for BPAY or making any other cash advance transactions will attract an interest rate of up to 29.99% p.a.
  • Expired promotional purchases. This interest rate is applied to 0% Interest Payment Plan purchases when the balance is not paid in full during the promotional period. This rate is currently 29.99% p.a.

What fees will I pay with the GO Mastercard?

The different fees you could be charged with a Latitude GO Mastercard are listed below, including details of when they apply:

  • Account servicing fee. This card charges a fee of $9.95 per month if your balance is over $10.
  • Paper statement fee. If you request a printed statement for your account, you will be charged $2.50 per statement.
  • Late payment fee. A fee of $45 is applied if you don’t make a payment by the due date.
  • Cash advance fee. Withdrawing money and other cash advance transactions will cost $3.5 or 4% of the transaction (whichever is greater).
  • Direct credit advance fee. If you transfer funds from your GO Mastercard to a nominated bank account, you will be charged the greater of $3 or 3% of the total transaction (up to a maximum of $30 per transaction).
  • International cash advance fee. A cash advance transaction made in a foreign currency is charged at $4.00 in addition to cash advance fee.
  • International transaction fee. A 3% fee is applied for transactions made overseas or in a foreign currency.
  • Payment handling fee. Some account payments may attract a $2.50 fee in-person and a $0.95 fee online, for example, those made at Australia Post. You can avoid this fee by making your payments via mail, direct debit or via the Online Service Centre.
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Managing your credit card account

Activating and using your GO Mastercard

If you have successfully applied for a Latitude GO Mastercard, you should receive it within 5-10 working days. Once you receive your card, follow these steps to activate it:

  1. Call 1300 552 079.
  2. Follow the prompts to verify your card.
  3. Select a PIN for the card.

After these steps your card will be ready for use.

The Latitude GO Mastercard Online Service Centre

Latitude Financial Services has designed the Go Mastercard Online Service Centre to make managing your GO Mastercard easy. This service gives you access to your account details and balance, as well as 0% Payment Plan offers. You can start using this online banking service by following the steps below:

  1. Go to the GO Mastercard Online Service Centre homepage
  2. Click on the "Register" button
  3. Enter your account details, including your card number and date of birth
  4. Follow the prompts to confirm your ID and complete your login set up

Once you are logged in, you can check your balance, make payments, set up new statement alerts and more.

Latitude GO Mastercard App

Use the GO Mastercard App lets you manage your account from your smartphone. This app offers the same features as your online account, including account details, transaction history and the ability to update your details.

Security features

The GO Mastercard account comes with a number of security features, including:

  • Chip and PIN technology. The card is embedded with a secure microchip that encrypts the details stored on the card. It also requires a PIN to verify certain purchases.
  • 24/7 fraud monitoring. The GO Mastercard comes with Falcon fraud monitoring to protect you against unauthorised transactions.
  • Zero liability policy. This policy reimburses you for unauthorised transactions made on the card.
  • Mastercard SecureCode. This is a service you can choose to use for online purchases, which helps verify purchases by asking you a security question or sending you a unique code to enter at the checkout.

Want to find out more about the Latitude GO Mastercard? Finder's review of this credit card weighs up key features and details, as well as how to apply. If you're interested in other credit card options, start you credit card comparison on Finder, or, check out our top picks for the best credit card in every category.

Compare credit cards with instalment plans

1 - 20 of 99
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Citi Clear Card - Exclusive Offer
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Purchase rate p.a.
14.99%
Bonus points
N/A
Points per $ spent
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Balance transfer rate p.a.
0% for 24 months with 1.5% balance transfer fee, then 22.24%
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Qantas American Express Ultimate Card
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Purchase rate p.a.
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Bonus points
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Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
13.74%
Bonus points
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$59
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Westpac Low Rate Card
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.49%
Annual fee
$59
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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
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Purchase rate p.a.
0% for 6 months, then 19.99%
Bonus points
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Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
Qantas Premier Platinum
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Purchase rate p.a.
19.99%
Bonus points
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Up to 55 days on purchases
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0% for 12 months, then 21.99%
Annual fee
$349 first year ($399 after)
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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
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Purchase rate p.a.
23.99%
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Interest-free period
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N/A
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$395
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Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
American Express Platinum Business Card
Finder AwardMembership Rewards Ascent Premium
Purchase rate p.a.
0%
Bonus points
350,000
Points per $ spent
2.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$1,750
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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
Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0 first year ($195 after)
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Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.
American Express Business Explorer Credit Card
Membership Rewards Gateway
Purchase rate p.a.
23.99%
Bonus points
N/A
Points per $ spent
2
Interest-free period
Up to 55 days on purchases
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N/A
Annual fee
$0 first year ($149 after)
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American Express Gold Business Card
Membership Rewards Ascent
Purchase rate p.a.
0%
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Points per $ spent
1.5
Interest-free period
Up to 51 days on purchases
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N/A
Annual fee
$169
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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
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Purchase rate p.a.
19.99%
Bonus points
8,000
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0.75
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Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
Annual fee
$99
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American Express Velocity Escape Card
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
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0.75
Interest-free period
Up to 55 days on purchases
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N/A
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$0
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Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
American Express Low Rate Credit Card
Finder Award
Purchase rate p.a.
10.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
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$0
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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
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Purchase rate p.a.
23.99%
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20,000
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1
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Up to 44 days on purchases
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N/A
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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
Qantas Business Rewards
Purchase rate p.a.
0%
Bonus points
170,000
Points per $ spent
1.25
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N/A
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(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
Purchase rate p.a.
11.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
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N/A
Annual fee
$0
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St.George Amplify Signature
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Purchase rate p.a.
19.49%
Bonus points
150,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
Annual fee
$199 first year ($295 after)
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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
Purchase rate p.a.
13.99%
Bonus points
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N/A
Interest-free period
Up to 55 days on purchases
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0% for 28 months with 1% balance transfer fee, then 21.49%
Annual fee
$55
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Westpac Altitude Black
Westpac Altitude Rewards
Purchase rate p.a.
19.99%
Bonus points
150,000
Points per $ spent
1.25
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$150 first year ($295 after)
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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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313 Responses

    Default Gravatar
    SandraAugust 7, 2023

    Can I load my lattitude credit card with funds

      AvatarFinder
      AmyAugust 11, 2023Finder

      Hi Sandra,
      The conditions of use credit guide for the Latitude GO Mastercard does not refer to loading funds or having a “positive balance”. But it does state that transactions must not exceed the credit limit without prior approval and that Latitude reserves the right to decline an authorisation for transactions. So you may want to check with Latitude directly on 1300 552 079. I hope this helps.

    Default Gravatar
    MariaJune 12, 2019

    Can I use the card to pay for accommodation?

      AvatarFinder
      JeniJune 13, 2019Finder

      Hi Maria,

      Thank you for getting in touch with Finder.

      Yes, you may use this card to pay for your accommodation so long that they accept Mastercard. Also, please make sure that the amount you’re paying for is within your credit limit.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    NickiMay 5, 2019

    I recently got married, can I change my name online?

      AvatarFinder
      MaiMay 6, 2019Finder

      Hi Nicki,

      Thank you for reaching out and congratulations on your wedding!

      As per Go Mastercard’s website, you can change your account details under ‘Manage Your Account’ if you are logged in to your account. You may however need to contact their support still and ask where you can send the document proof that your name has changed.

      Hope this helps! 😊

      Kind Regards,
      Mai

    Default Gravatar
    AkeemApril 23, 2019

    Can I do a cash transfer to a normal bank account from my go MasterCard account?

      AvatarFinder
      JohnApril 23, 2019Finder

      Hi Akeem,

      Thank you for reaching out to Finder.

      This would not be available as the GO Mastercard is a credit card and moving the amount from this card to a bank account could not be possible. Hope this helps!

      Cheers,
      Reggie

    Default Gravatar
    StephanieJanuary 15, 2019

    Can I pay my payments at post office?

      Default Gravatar
      BellaJanuary 18, 2019

      Hi Stephanie,

      Thanks for your inquiry.

      Yes, you can pay your payments at any Post Office. Please note that there is a $2.50 payment handling fee for each transaction.

      I hope this helps.

      Kind regards,
      Bella

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