Latitude GO Mastercard

Last updated:  

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

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

22.74% p.a.

Purchase rate

1

Reward point

Per $ spent (Visa/Mastercard)

$0 p.a.

Annual fee

55 days

Interest free period

Details

Product NameLatitude GO Mastercard
Rewards ProgramGO Rewards Program
Balance Transfer Revert RateCash Advance Rate (29.49% p.a.)
Purchase Rate22.74% p.a.
Annual Fee$0
Interest Free Period55 days
Cash Advance Rate29.49% p.a.
Minimum Credit Limit$1,000
Maximum Credit Limit$25,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationYes

Pros

  • $0 annual fee
  • 0% interest payment plans

Cons

  • Account servicing fee of $5.95 per month
  • Charges a 3% of transaction value foreign transaction fee
  • Relatively high purchase and cash advance interest rates
Rewards ProgramGO Rewards Program
Rewards Points per $ spent (Visa/Mastercard)1
Rewards Points per $ Cap (Visa/Mastercard)100,000
Annual Fee$0
Minimum Monthly Repayment3% of the closing balance or $25, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
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

Amy Bradney-George

Review by


Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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 and 24 months.

The stores where you can get a 0% interest payment plan vary based on your location, so it’s worth checking the 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 Rate Mastercard online 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.
  • Age. You must be at least 18 years old to apply.

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, with three main 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.
    • Installment Interest Free. 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.

Rates & fees

  • Account-servicing fee. If you carry a balance of more than $10, you will be charged a monthly account-servicing fee of $5.95. This could add up to $71.40 per year.
  • Establishment fee. When you open your credit card account you'll be charged a one-off fee of $25.

Ask an expert

To ask a question simply log in via your email or Facebook 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.

34 Comments

  1. Default Gravatar
    amba
    January 25, 2019

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

    • AvatarStaff
      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

    • AvatarStaff
      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!

    • AvatarStaff
      Ysa
      March 13, 2016

      Hi CB,

      Thanks for your question.

      Please note that you have come through finder.com.au, an online comparison service and is not directly affiliated with Latitude Financial Services.

      As such, we are unable to confirm this information since Latitude Financial Services has not yet listed the GO MasterCard Platinum on their official website. Anyhow, these are the only Latitude Financial Services credit cards we are currently featuring on our sites.

      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??

    • AvatarStaff
      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 the review page here. Latitude Financial Services doesn’t 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.

      I hope this has helped.

      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?

    • AvatarStaff
      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

  6. Default Gravatar
    Rs
    February 11, 2016

    What is the difference between platinum and normal mastercard?

    • AvatarStaff
      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’ page here. You might also want to see the different Platinum credit card options which you can compare on this page.

      I hope this has helped.

      Cheers,
      Ally

  7. Default Gravatar
    Sarah
    January 13, 2016

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

    • AvatarStaff
      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

  8. 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

    • AvatarStaff
      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

  9. 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.

    • AvatarStaff
      Sally
      January 6, 2016

      Hi Brittany,

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

      Unfortunately, as a financial comparison service and without knowing your financial history, it’s difficult to confirm whether you’ll be accepted for a credit card.

      However, 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 file for further tips.

      You can also compare debt consolidation options for applicants with bad credit here.

      I hope this has helped.

      Cheers,

      Sally

  10. 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?

    • AvatarStaff
      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

Ask a question
Go to site