We've read all the fine print. Learn how to get an interest-free payment plan, increase your credit limit, cancel your account, and more with these Latitude GO Mastercard FAQs.
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 Latitude GO Mastercard FAQs
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.
In the credit card conditions of use policy, Latitude Finance says it allows cash equivalent transactions as long as the accepting institution accepts Mastercard. However, Latitude Finance also says it may decline authorisation for any transaction, so it's wise to contact them first to confirm whether or not you can transfer funds from your credit card to your specific bank account.
You can apply for a credit limit increase through the Online Service Centre by logging in, selecting the "Manage my credit limit" option and following the prompts.
You can also use this option to decrease your credit limit via the Online Service Centre. Alternatively, use the Latitude App to decrease your credit limit by going to "Manage account" and then "Reduce credit limit".
If you want to close your GO Mastercard account, you can submit a request online via the Latitude website. Another option is to contact Latitude Finance on 1300 552 079 and ask to have your account closed.
If you have security concerns and want to temporarily block or cancel your Latitude GO Mastercard, call the security hotline on 1800 005 809 in Australia or +61 287 478 178 when overseas. Your current card will then be cancelled and you will be issued with a new one.
To get a 0% Interest Payment Plan in-store, just present your GO Mastercard and photo ID to a sales representative at any participating retailer.
For online purchases, reference your GO Mastercard number or the account number (listed on your statement or via the online service centre) with a participating online store.
There are minimum spending requirements for each 0% Interest Payment Plan. The actual amount varies depending on the retailer and the offer, so check the details before you go ahead with a particular deal.
Interest-free promotions are available at over 1,000 retailers across Australia including Domayne, Harvey Norman, The Good Guys, JB Hi-Fi, Joyce Mayne and Michael Hill Jeweller. You can see a list or map of participating stores on the GO Mastercard website.
Yes, you can have multiple interest-free payment plans up to your available credit limit for the card. Just keep in mind that you'll need to meet the repayment requirements listed on your monthly credit card statement.
The promotional period begins the day of your purchase or on the day it is delivered (where applicable).
The promotional period varies depending on the individual offer you choose. Details of each promotion are available on your statement or online account.
You can continue to use your card for regular purchases, cash advances, or other promotional purchases while you are paying back the bill, up to your spending limit. However, keep in mind that the purchase interest rate for this card is 27.99% p.a. and the cash advance rate is 29.99% p.a., which are very high compared to most other credit cards on the market.
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 27.99% 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.
Yes. The Latitude GO Mastercard offers up to 55 days interest-free on standard purchases if you have paid the balance off in full for both the statement before the purchases were made and for the statement on which the purchases are listed.
Yes. The standard interest-free days are available as long as you also pay them off before the end of their respective promotional periods.
Repayments to the card are allocated to the portion of the balance that attracts the highest rate of interest first. In this case, that means the purchase that is attracting interest will be paid off first, with any remaining money going toward the balance that is not being charged interest.
You can avoid paying interest by paying your bill in full each month if you have made regular purchases with your GO Mastercard. If you have only made promotional purchases you must pay them off before the end of that promotional period to avoid interest.
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 $10.95 per month if your balance is over $10.
Paper statement fee. If you request a printed statement for your account, you will be charged $5 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.
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 $3.95 fee in-person and a $1.95 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.
Latitude allows you to pay your credit card balance through its online service centre, via direct debit, in person, or using BPAY.
Using the online service centre, payments can take 3-5 business days and you can only make payments once every five days. If you want to use BPAY, you will be charged a $0.95 fee, it may take three days to appear on your account and the credit card account number is the reference number you'll need to use.
There are a couple of reasons you could be charged a fee even if you have paid the balance in full, such as receiving paper statements or making payments at Australia Post.
If you have any other doubts about the fees, call Latitude Financial Services on 1300 552 079 to get a comprehensive answer for your individual circumstances.
Latitude Financial Services charges a fee for paper statements to cover the costs associated with printing and mailing them to customers. You can avoid this fee by registering for the Online Service Centre and requesting electronic statements.
This ultimately depends on the person. But if you check on your balance regularly you will see when you are getting close to your spending limit and can avoid paying an over limit fee by making an extra payment or choosing a different payment method for your purchases.
If you are worried about making payments by the due date each month, you can call Latitude Financial Services and request a monthly direct debit from a nominated account. Keep in mind this will usually be the minimum payment required, so you may want to make additional payments to avoid interest charges and other fees.
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:
Call 1300 552 079.
Follow the prompts to verify your card.
Select a PIN for the card.
After these steps your card will be ready for use.
Yes, this card requires a PIN (Personal Identification Number) for transactions. You can select your PIN when you activate the card.
Yes. This card comes with Mastercard contactless technology, allowing you to pay for purchases under $100 by simply tapping your card on a compatible card reader.
Your credit limit is set based on your individual circumstances and may not always be the same as the cash limit (which is the amount of cash you can withdraw on any given day). You can find these amounts on your statement or through the Online Service Centre.
Yes, you can use your Mastercard to withdraw cash from any of the more than 900,000 ATMs around the world that display the Mastercard or Cirrus logo. You can also make withdrawals at any financial institutions that display these logos. Remember that cash withdrawals attract a cash advance fee and incur interest from the day of the withdrawal. They are also not eligible for interest-free days.
Yes, just like any other credit card you will get a monthly statement that lists your payment amount and due date. There will also be notations about any overdue payments or over-limit amounts.
There is no fee for paying off your bill before the end of the promotional period.
Your monthly payment is a calculation based on the amount of debt on your card. It is the greater of 3% of the balance or $25, plus any other fees that may be applied to your account.
You will be charged $4.95 for each month your 0% Payment Plan purchase balance is $10 or more. You can work out the total cost of this fee by multiplying $4.95 by the number of months the offer lasts. For example, if you have an interest-free offer for 24 months, your calculation would be: $4.95 x 24 = $118.80.
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:
Go to the GO Mastercard Online Service Centre homepage
Click on the "Register" button
Enter your account details, including your card number and date of birth
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.
You can also find out about your account details by calling Latitude Financial Services on 1300 552 079, or by requesting printed statements for an additional $2.50 per month.
When you register for the Online Service Centre, you are asked to choose a username and password. These are your login details. You can recover your login details by selecting the "Forgotten Username" or "Forgotten Password" option on the Login page.
You have three opportunities to enter the correct login details for your account. After that, your account will be suspended for five minutes. If you continue to enter the wrong details, the account will be locked and you will have to call Latitude Financial Services on 1300 552 079 to unlock it.
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.
To download and use this app, you must meet the following eligibility requirements:
Have a current Latitude GO Mastercard credit card
Be registered for the Latitude GO Mastercard Online Service Centre
Have a compatible device running Apple iOS 8 or later, as well as Android devices running v5.0 Lollipop or later
If you meet these requirements, you can download the app from the App Store on iTunes or Google Play.
Once you have downloaded the app, you can log in using your username for the Latitude GO Mastercard Online Service Centre and a 4-digit access code that you choose during the registration process. You can also change this access code at any time via the "Security" section of the account.
Yes, you can use this app on multiple devices.
If you're having trouble accessing the app, start by checking the following:
Do you have a stable Internet connection on your device?
Is a wireless connection enabled?
Are you entering the right access code?
Are you entering the right username?
If all of these details are in order and you still can't access the app, you can call the Customer Solutions Team on 1300 552 079 and explain the situation. Alternatively, you can access your account details via the Latitude GO Mastercard Online Service Centre.
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.
Yes. You can contact Latitude Finance on 1300 552 079 to request a new PIN.
In some places outside Australia you might still have the option of swiping and signing for purchases instead of using your PIN.
Tap-and-go technology is as safe as any chip-enabled credit card. Features such as the fraud monitoring service and Zero Liability Policy also help protect you if your card is used for a fraudulent transaction.
Contact the Latitude Financial Services lost and found team on 1800 005 809 or +61 287 478 178 (overseas) as soon as possible. This service is available 24/7 and a team member will be able to advise you on a solution based on your circumstances.
Latitude Financial Services has an active fraud protection system. If any transaction seems fraudulent, you will be contacted by SMS or phone. This provides instant verification and prevents any loss on the card. If you suspect fraud or your card is lost or stolen, call 1300 552 079 or +61 287 478 178 (overseas) as soon as possible.
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.
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I just want to know what is the minimum income to apply for Go Master Card or GE master card?
My income is from 2 different sources, monthly would be $3,200 after tax
My partner’s income is $60,000 annual, $4,000 after tax.
We currently have mortgage for new house.
We would like to apply for a credit card interest free to purchase some furnitures.
Who do you think we should apply as a main applicant? How much credit limit we should apply???
As we want to apply for a reward credit card from ANZ or CBA as well. We still have cash on hand anyway.
Finder
ShirleySeptember 22, 2014Finder
Hi Brianie,
Thanks for your question.
Unfortunately there is no set minimum income to apply for this card. Credit limits vary from person to person, and GE Money will assess the information you supply to help determine your credit limit.
I’d recommend that you get in touch with GE Money directly to enquire about your credit limit, and who should apply as the main cardholder.
All the best,
Shirley
JSeptember 17, 2014
Have got a go mastercard…some items are on an interest free period and have used it for everyday purchases. We have now been charged 2 types of interest one being deferred interest rate. Is this correct? Interest free items don’t expire for a long time.
Finder
ShirleySeptember 17, 2014Finder
Hi Jk,
Thanks for your question.
Deferred interest rate isn’t a commonly used term in Australia. I think in this case it’s best to get in touch wit GE Money directly to enquire about this.
Please let us know how you go, I’d be interested to know too.
Cheers,
Shirley
JkSeptember 17, 2014
I have contacted them. They were quite rude and abrupt and said these charges were added because I didn’t pay off the full goods purchased balance in full and was that asked not to call again.
Finder
ShirleySeptember 19, 2014Finder
Hi Jk,
I’m sorry to hear about your experience with GE Money. Did that response answer your question though, or does it still seem odd that interest was being charged on those purchases?
Cheers,
Shirley
DIONSeptember 5, 2014
Hi I was just wondering how you work out what gets paid off first when you have 2 different sales at different interest free periods? For example I make a purchase with a 50 month interest free period, 6 months later I make another purchase with a 12 month interest free, making weekly payments what will be paid out first the 12 month or the 50 month? Cheers Dion
Finder
ShirleySeptember 8, 2014Finder
Hi Dion,
Thanks for your question.
If both purchases have the same interest rate, then generally the highest balance is paid off first.
When your interest free purchases revert back to its original interest rate, then the repayments will be allocated to the balance that has the highest interest rate.
Cheers,
Shirley
EdSeptember 3, 2014
Hi,I’m thinking about making a purchase for $4000.I understand that my monthly repayment of 3% would be $120.I’m worried the extra costs would be high,could you please tell me what I’d be up for on $4000 all up, thanks.
Finder
ShirleySeptember 5, 2014Finder
Hi Ed,
Thanks for your question.
If you use your card for regular purchase, then only the interest rate on purchases apply. There are other variable fees; like a currency conversion fee if you buy the item in another currency, or a late payment fee, if you don’t make your repayments on time.
Assuming that you only may minimum repayments, you’d pay $12,527 over 24 years and 3 months (this is just an indication). Making higher repayments will mean that you pay less interest.
Cheers,
Shirley
CeinoAugust 31, 2014
Hi, I currently have a balance on my GO Mastercard which is for interest free purchases and will not expire for about 40 months. I’ve now been offered a balance transfer at a low interest rate for 12 months. If I make payments higher than the minimum payment, will the extra be paid off the interest free balance or the balance transfer balance? I’ve looked everywhere to see if funds are paid off the highest interest balance first but haven’t had any luck. Thank you.
Finder
ShirleySeptember 1, 2014Finder
Hi Ceino,
Thanks for your question.
Generally credit card companies allocate payments to the balance that attracts the highest interest. To confirm this, please get in touch with GE Money.
Offers a $0 annual fee in the first year and extra benefits including a 6.99% balance transfer offer for 12 months, 3% in Latitude Rewards and insurance covers.
This low rate credit card offers flexible introductory benefits, including a 0% purchase interest rate for 9 months and a 12-month balance transfer offer.
The Latitude 28° Global Platinum Mastercard can be an ideal option for the international traveller, offering no transaction fees on purchases and no currency conversion fees for overseas transactions. Plus, travel perks including a Flight Delay Pass and free wifi.
The Latitude GO Mastercard offers long-term, 0% interest payment plans at participating retailers.
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Hi there,
I just want to know what is the minimum income to apply for Go Master Card or GE master card?
My income is from 2 different sources, monthly would be $3,200 after tax
My partner’s income is $60,000 annual, $4,000 after tax.
We currently have mortgage for new house.
We would like to apply for a credit card interest free to purchase some furnitures.
Who do you think we should apply as a main applicant? How much credit limit we should apply???
As we want to apply for a reward credit card from ANZ or CBA as well. We still have cash on hand anyway.
Hi Brianie,
Thanks for your question.
Unfortunately there is no set minimum income to apply for this card. Credit limits vary from person to person, and GE Money will assess the information you supply to help determine your credit limit.
I’d recommend that you get in touch with GE Money directly to enquire about your credit limit, and who should apply as the main cardholder.
All the best,
Shirley
Have got a go mastercard…some items are on an interest free period and have used it for everyday purchases. We have now been charged 2 types of interest one being deferred interest rate. Is this correct? Interest free items don’t expire for a long time.
Hi Jk,
Thanks for your question.
Deferred interest rate isn’t a commonly used term in Australia. I think in this case it’s best to get in touch wit GE Money directly to enquire about this.
Please let us know how you go, I’d be interested to know too.
Cheers,
Shirley
I have contacted them. They were quite rude and abrupt and said these charges were added because I didn’t pay off the full goods purchased balance in full and was that asked not to call again.
Hi Jk,
I’m sorry to hear about your experience with GE Money. Did that response answer your question though, or does it still seem odd that interest was being charged on those purchases?
Cheers,
Shirley
Hi I was just wondering how you work out what gets paid off first when you have 2 different sales at different interest free periods? For example I make a purchase with a 50 month interest free period, 6 months later I make another purchase with a 12 month interest free, making weekly payments what will be paid out first the 12 month or the 50 month? Cheers Dion
Hi Dion,
Thanks for your question.
If both purchases have the same interest rate, then generally the highest balance is paid off first.
When your interest free purchases revert back to its original interest rate, then the repayments will be allocated to the balance that has the highest interest rate.
Cheers,
Shirley
Hi,I’m thinking about making a purchase for $4000.I understand that my monthly repayment of 3% would be $120.I’m worried the extra costs would be high,could you please tell me what I’d be up for on $4000 all up, thanks.
Hi Ed,
Thanks for your question.
If you use your card for regular purchase, then only the interest rate on purchases apply. There are other variable fees; like a currency conversion fee if you buy the item in another currency, or a late payment fee, if you don’t make your repayments on time.
Assuming that you only may minimum repayments, you’d pay $12,527 over 24 years and 3 months (this is just an indication). Making higher repayments will mean that you pay less interest.
Cheers,
Shirley
Hi, I currently have a balance on my GO Mastercard which is for interest free purchases and will not expire for about 40 months. I’ve now been offered a balance transfer at a low interest rate for 12 months. If I make payments higher than the minimum payment, will the extra be paid off the interest free balance or the balance transfer balance? I’ve looked everywhere to see if funds are paid off the highest interest balance first but haven’t had any luck. Thank you.
Hi Ceino,
Thanks for your question.
Generally credit card companies allocate payments to the balance that attracts the highest interest. To confirm this, please get in touch with GE Money.
Cheers,
Shirley