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Latitude GO Mastercard

Offers 0% interest payment plans when you make major purchases at participating stores around Australia – but watch out for the revert rate.

The Latitude GO Mastercard gives you a way to buy what you want and save on interest costs for a set period of time, with interest-free payment plan offers at partner retailers, including Harvey Norman and The Good Guys. But if you don't pay off the balance of a 0% interest payment plan before it ends, a high interest rate of 25.9% p.a. applies.

1.0 ★★★★★ (1 review) Write a review

21.45% p.a.

Purchase rate

$107.4 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameLatitude GO Mastercard
Balance transfer revert rateCash Advance Rate (25.9% p.a.)
Purchase rate p.a.21.45%
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
  • $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

  • Does not have a rewards program
  • Charges a 3% foreign transaction fee
  • High purchase and cash advance interest rates
Bonus pointsN/A
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 has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also 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

  • 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 21.45% p.a.

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Earn 80,000 bonus Qantas Points when you spend $3,000 in the first 3 months and save with a reduced first-year annual fee.
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33 Comments

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

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