Latitude GO Mastercard review | Finder

Latitude GO Mastercard

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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.

19.95% p.a.

Purchase rate

1

Reward point

Per $ spent

$107.4 p.a.

Annual fee

55 days

Interest free period

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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

Expert review

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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

Data updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Latitude Gem Visa
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Enjoy 0% p.a. interest on purchases over $250 for 6 months, optional shopper's protection insurance and the convenience of Samsung Pay.
humm90 Mastercard
23.99% p.a.
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Enjoy up to 110 days interest-free on purchases, 0% foreign transaction fees and flexible instalment plan options.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 26 months
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 26 months on balance transfers and a reduced first-year annual fee. Plus, $129 Virgin Australia Gift Voucher per year.
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 on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 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.
Westpac Altitude Platinum Card
20.49% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$99 annual fee for the first year ($150 p.a. thereafter)
Get 80,000 bonus Altitude Points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days, and a first-year annual fee discount.
Citi Clear Card
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 within the first 90 days. Plus, a 0% balance transfer offer and first-year annual fee discount.
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months, reverts to 18.99% p.a.
0% p.a. for 12 months
$0
Save with an ongoing $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
American Express Explorer Credit Card
20.74% p.a.
$395
Get 90,000 bonus Membership Rewards Points and $300 back when you spend $3,000 on your new card in the first 3 months.
Citi Rewards Card - Velocity Points Offer
21.49% p.a.
0% p.a. for 15 months
$99 annual fee for the first year ($199 p.a. thereafter)
Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, complimentary travel and purchase insurance.
NAB StraightUp Card
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
Qantas American Express Discovery Card
20.74% p.a.
$0
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
Qantas American Express Ultimate Card
20.74% p.a.
$450
Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months. Plus, a $450 Qantas Travel Credit each year.
American Express Platinum Edge Credit Card
20.74% p.a.
$195
Get $200 travel credit per year to spend on eligible flights, accommodation, car hire and more. Plus, earn up to 3 points per $1 on eligible spending.

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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

    Default Gravatar
    Rs
    February 11, 2016

    What is the difference between platinum and normal mastercard?

      Avatarfinder Customer Care
      Ally
      February 11, 2016

      Hi Rs,

      Thanks for your inquiry.

      By ‘normal’, do you mean ‘classic’?

      If so, the difference between the two is that the Platinum card usually has more benefits and features such as a higher credit limit, an extended warranty, a concierge service and complimentary travel insurance. However, the annual fee and minimum income requirement is also usually higher, depending on which card you’re looking into.

      To serve as your guide, you may read through our ‘What is a Platinum Credit Card’. You might also want to compare a range of Platinum credit card and sign up offers to find the right one for you.

      Please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      I hope this helps.

      Cheers,
      Ally

    Default Gravatar
    Sarah
    January 13, 2016

    Can I get a go mastercard on a parenting payment from centerlink.
    Thanks

      Avatarfinder Customer Care
      Sally
      January 13, 2016

      Hi Sarah,

      Thanks for your question.

      The Latitude Go MasterCard doesn’t list a required minimum income, but you are required to provide details of your income when you apply.

      Whether you receive your income from government support payments or a full-time job, your application will be reviewed based on your ability to repay (including your income and financial history).

      You may like to contact Latitude Financial Services directly on 1300 462 273 to discuss your likelihood of acceptance before applying as rejected applications can have a negative impact on your credit file.

      I hope this has helped.

      Cheers,

      Sally

    Default Gravatar
    Sally
    January 6, 2016

    Hi I just want to know if we can use the go MasterCard to book accommodation and car hire ? Also can we reduce the limit on our MasterCard that we have had for 3years

      Avatarfinder Customer Care
      Sally
      January 7, 2016

      Hello Sally,

      Thanks for your question. Yes, you should have no issue using your Latitude Go MasterCard to book accommodation and car rentals.

      You can request a credit limit decrease by contacting Latitude Financial Services’ customer service team on 1300 882 289. Make sure to have your account details handy before you make the call.

      I hope this has helped.

      Cheers,

      Sally

    Default Gravatar
    brittany
    January 6, 2016

    my partner and i are trying to re-consolidate, when my daughter was born we went though a rough patch. Can we still be eligible for a small credit card. We already tried the load and didn’t get excepted.

      Avatarfinder Customer Care
      Sally
      January 6, 2016

      Hi Brittany,

      Thanks for your question and we’re sorry to hear about your predicament.

      A good place to start is to compare low interest credit cards. These generally have lower eligibility requirements, though you’ll still need to make sure you meet these before applying. Please note that multiple rejected applications will have a negative impact on your credit file, so you should confirm that you meet the eligibility requirements with the provider before applying. Also, avoid applying for several credit cards within a short period of time, as this will also have a negative impact on your credit file.

      Please see our guide on improving your credit score for further tips.

      You can select the “Go to site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      I hope this has helped.

      Cheers,
      Sally

    Default Gravatar
    Norm
    November 4, 2015

    How is interest calculated and apportioned when there are multiple purchases with different 0% interest free periods (e.g. 36 months and 50 months)on the card at one time?

      Avatarfinder Customer Care
      Jonathan
      November 5, 2015

      Hi Norm, thanks for your inquiry!

      If you have specific purchase promotions the 0% interest-free periods will run concurrently at the same time and expire when the stated promotion period has ended.

      Cheers,

      Jonathan

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