Latitude GO Mastercard

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

The Latitude GO Mastercard offers a range of long-term interest-free payment plans when you shop with partner retailers, including Harvey Norman and The Good Guys.

No reviews yet. Write a review

19.95% p.a.

Purchase rate

1

Reward point

Per $ spent

$107.4 p.a.

Annual fee

55 days

Interest free period

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Details

Product NameLatitude GO Mastercard
Rewards programGO Rewards Program
Purchase rate19.95% p.a.
Annual fee$107.40
Interest-free periodUp to 55 days on purchases
Cash advance rate25.9% p.a.
Min credit limit$1,000
Max credit limit$25,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo

Pros

  • Choice of 0% interest payment plans: Interest Free, Instalment Interest Free & Buy Now, Pay Later
  • Earns 1 point per $1 spent on eligible purchases
  • $0 account establishment fee
  • When you carry a balance of less than $10, you will not have to pay the $8.95 account servicing fee

Cons

  • Charges a 3% foreign transaction fee
  • High purchase and cash advance interest rates
Rewards programGO Rewards Program
Bonus pointsN/A
Rewards points per $ spent1
Rewards points cap100,000
Annual fee$107.40
Minimum monthly repayment3% of the closing balance or $25, whichever is greater
Late payment fee$30
Foreign currency conversion fee3%
Cash advance fee3% or $3, whichever is greater
Overseas cash advance fee$4.00 in addition to cash advance fee
Additional cardholder fee$0

Review by


Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

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

  • Rewards. The Latitude GO Mastercard earns 1 point per $1 spent on eligible purchases, which you can redeem for gift cards, experiences and merchandise through the GO Rewards program. Eligible purchases cover most everyday spending, including groceries, petrol, dining out and retail purchases. Transactions that don't earn points include cash advances, balance transfers, interest premiums and fees and charges. Points are capped at 100,000 per year.
  • Interest-free payment plans. These plans vary by store and purchase and you can have multiple 0% plans active at once up to your available credit limit. There are three options:
    • Interest Free Plans. With this option, you need to make minimum monthly repayments and can get a 0% p.a. interest period starting from 6 months.
    • Instalment Interest Free Plans. This payment plan gives you a way to pay off purchases interest-free by making equal monthly repayments over a set period of time. These plans are only available at selected retailers during special promotional periods.
    • Buy Now, Pay Later. With this plan, you can get the items that you want without any upfront payment or scheduled repayments. Instead, you can make payments at any time and won't be charged interest if you pay it off before the plan's end-date. Plans for this option start at 3 months.

Rates & fees

  • Account-servicing fee. When you carry a balance of more than $10, you will be charged a monthly account-servicing fee of $8.95. This could add up to a total of $107.40 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 19.95% p.a.

Compare other credit cards with instalment plans

Name Product Purchase rate Balance transfer rate Annual fee
PayPal Rewards Card
20.99% p.a.
0% p.a. for 20 months
$0
Get 50,000 bonus points on eligible spend (worth $250 to spend at over 750,000 businesses) and a $0 annual fee for life.
Citi Clear Card - Balance Transfer Offer
14.99% p.a.
0% p.a. for 28 months
$49 annual fee for the first year ($99 p.a. thereafter)
Offers 0% p.a. on balance transfers for 28 months with no balance transfer fee and a discounted $49 first-year annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. on balance transfers for 28 months and a reduced annual fee in the first year. Ends 30 September 2021.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Save with a $49 first-year annual fee and 0% on balance transfers for 30 months with no balance transfer fee.
humm90 Mastercard - Balance Transfer Offer
23.99% p.a.
0% p.a. for 36 months
$99
Get 0% interest on balance transfers for 36 months, with no balance transfer fee. Plus, up to 110 days interest free on purchases.
Qantas American Express Ultimate Card
20.74% p.a.
$450
Receive 110,000 bonus Qantas Points and $200 back on your card when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card - Cashback Offer
13.74% p.a.
6.99% p.a. for 12 months
$0 annual fee for the first year ($59 p.a. thereafter)
Get $400 cashback when you spend $4,000 on eligible purchases within the first 120 days. Plus, a $0 first-year annual fee.
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 28 months with 1% balance transfer fee
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Citi Clear Card - Cashback Offer
14.99% p.a.
0% p.a. for 15 months
$49 annual fee for the first year ($99 p.a. thereafter)
Get $250 cashback when you spend $3,000 in the first 90 days. Plus, a 0% balance transfer offer for 15 months.
American Express Explorer Credit Card
20.74% p.a.
$395
Get 150,000 bonus Membership Rewards Points when you spend $3,000 in the first 3 months. Plus, a $400 Travel Credit each year.
American Express Cashback Credit Card
20.74% p.a.
$0 annual fee for the first year ($120 p.a. thereafter)
Earn 1% cashback per $1 dollar spent on your everyday purchases. Plus, an additional 5% for the first 3 months (up to $200) and no monthly fees for the first 12 months.
Qantas American Express Discovery Card
20.74% p.a.
$0
Get 10,000 bonus Qantas Points when you spend $750 within 3 months, plus a $0 annual fee for the life of the card.
St.George Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$279
Get 90,000 bonus Qantas Points when you spend $6,000 using your new card within 90 days from approval and 2 Qantas Club lounge invitations per year.
American Express Platinum Edge Credit Card
20.74% p.a.
$0 annual fee for the first year ($195 p.a. thereafter)
Receive 50,000 bonus points when you spend at least $1,500 within the first 3 months. Plus, $200 Travel Credit each year.
Citi Premier Card
21.49% p.a.
0% p.a. for 6 months
$150 annual fee for the first year ($300 p.a. thereafter)
Enjoy 130,000 bonus points (worth $450 in eGift cards) when you spend $4,000 within the first 90 days. Plus, a first-year annual fee discount.
BankSA Vertigo - Cashback Offer
13.99% p.a.
6.99% p.a. for 12 months
$0 annual fee for the first year ($55 p.a. thereafter)
Earn $300 cashback when you spend at least $4,000 in the first 120 days. Plus, a $0 first-year annual fee.
St.George Vertigo Card - Cashback Offer
13.99% p.a.
6.99% p.a. for 12 months
$0 annual fee for the first year ($55 p.a. thereafter)
Get $300 cashback when you spend at least $4,000 in the first 120 days. Plus, a $0 annual fee for the first year.
Bank of Melbourne Vertigo Card - Cashback Offer
13.99% p.a.
6.99% p.a. for 12 months
$0 annual fee for the first year ($55 p.a. thereafter)
Offers a $300 cashback when you spend $4,000 on eligible purchases within the first 120 days. Plus, a $0 first-year annual fee.
BankSA Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$279
Get 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 90 days. Plus, a 0% balance transfer offer.
Bank of Melbourne Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$279
Receive 90,000 bonus Qantas Points when you spend $6,000 in 90 days. Plus, a 0% balance transfer offer.
loading

Compare up to 4 providers

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

33 Comments

    Default Gravatar
    amba
    January 25, 2019

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

      Avatarfinder Customer Care
      Jhez
      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

    Default Gravatar
    Virginia
    October 8, 2016

    How do I make payments
    Have had my card for about two weeks and want to commence payments
    Have not received ant information on how to pay payments

    Thanks

      Avatarfinder Customer Care
      May
      October 11, 2016

      Hi Virginia,

      Thank you for your inquiry.

      Latitude Financial Services offers two fee-free repayment options for your convenience – Direct Debit and Pay My Account via the Online Service Centre – whatever suits you best.

      You can also utilise BPAY to make a payment to your account. The BPAY biller code is 443887, and you can use your card number as the reference number. However, please note that payments can take 3-5 business days to clear, and a payment handling fee applies that is $2.50 (in person) and $0.95 (online).

      Hope this is helpful.

      Cheers,
      May

    Default Gravatar
    CB
    March 12, 2016

    I have just been sent a go MasterCard platinum to replace my green go MasterCard? It isn’t due to expire and I’ve not requested a new card … Any idea why I’ve been sent this and us there any benefit to changing over? Seems very strange to me!

      Avatarfinder Customer Care
      Ysa
      March 13, 2016

      Hi CB,

      Thanks for your question.

      While we are unable to confirm if the Latitude Financial Services have listed the GO MasterCard Platinum on their official website, you may refer to a range of Latitude Financial Services credit cards we have reviewed.

      You might need to get in touch with Latitude Financial Services for direct assistance regarding this matter.

      Cheers,
      Ysa

    Default Gravatar
    Nessa
    February 26, 2016

    Hi i received a free upgrade to a GO platinum mastercard. I am curious as to what my limit can go up to? Also is there a link to a page like this one but for the platinum cards??

      Avatarfinder Customer Care
      Sally
      February 26, 2016

      Hi Nessa,

      Thanks for your question.

      Just to confirm, are you referring to the 28 Degrees Platinum MasterCard? If so, you can see a review of the Latitude 28° Global Platinum Mastercard. Latitude Financial Services does not offer a standard maximum credit limit, instead this will be based on your credit history and ability to repay. You’ll need to contact Latitude Financial Services directly to confirm what your maximum credit limit is. Ensure to read through the relevant product disclosure statement and terms and conditions of the card before you apply.

      I hope this helps.

      Cheers,

      Sally

    Default Gravatar
    Manorika
    February 14, 2016

    Hi, i have 2000 credit limit and bought a 1700 worth goods .i pay it by installment.
    I want to buy furnitures that worth of 2500 dollars. Should I increase my credit limit?
    How i do it?

      Avatarfinder Customer Care
      Jonathan
      February 15, 2016

      Hi Manorika, thanks for your inquiry!

      You can request to increase your credit limit by contacting Latitude Financial Services directly on 1300 882 289. Unfortunately we are unable to directly advise on your financial situation as we are a lender, so it would be best to seek professional advice on your best options.

      Cheers,

      Jonathan

Go to site