Latitude GO Mastercard Frequently Asked Questions

The Latitude GO Mastercard offers a range of interest-free purchase options and rewards. Find out more about these features and get answers to frequently asked questions here.

The Latitude GO Mastercard is designed to provide flexibility and affordability through specialised 0% payment plans at a range of participating retailers. It also includes a rewards program that earns you points for your everyday spending on the card.

This guide answers common questions about the Latitude GO Mastercard. We also explain the different features of the card and how to use them so that you can decide if the GO Mastercard is right for you.

See our review of the Latitude GO Mastercard

Top FAQs for the Latitude GO Mastercard

These are the most common questions we're asked about the GO Mastercard. We also address FAQs based on specific categories in the sections below.

To take advantage of 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.

Each 0% Interest Payment Plan has a minimum spending amount that you must reach to take advantage of the offer. This amount varies depending on the retailer, so it’s important to check the details for each deal you are considering to make sure you are eligible.

Interest-free promotions are available at more than 1,000 retailers including Harvey Norman, The Good Guys, Bob Jane and Michael Hill Jeweller. You can search and browse the participating stores on the GO Mastercard website.

Yes, you can have multiple interest-free payment plans up to your credit limit for the card.

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.

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Latitude GO Mastercard interest rates

The Latitude GO Mastercard has three standard variable interest rates that can be applied to balances on the card:

  • 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 22.74% p.a. variable.
  • Cash 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 29.49% 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

Yes. The Latitude GO Mastercard offers up to 62 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 prior to the expiration of that promotional period to avoid interest.

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Latitude GO Mastercard rewards

The GO Mastercard earns one GO Reward point for every dollar spent on everyday purchases. These points can be redeemed for a wide range of rewards including travel, gift cards, movie tickets, homewares and electronics through the GO Rewards Program website.

No, reward points are only available for everyday purchases.
The amount of points you’ve earned will be listed on your monthly statement. You can also find it by logging into your GO Mastercard Online Service Centre account.

Use the following steps to redeem your GO rewards.

  1. Log in to your Latitude GO Mastercard account via the Online Service Centre
  2. Select "Rewards" and follow the prompts to browse the rewards available
  3. Select your reward, then confirm the transaction

The required points will be taken from your account and you will receive confirmation of your reward and details of when it will arrive (where applicable).

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GO Mastercard fees

There is a range of other fees that could be charged when you have a Latitude GO Mastercard, including:

  • Establishment fee. This card has a .

  • Account servicing fee. If you carry a balance of more than $10, you will be charged a monthly account servicing fee of $4.95.
  • Paper statement fee. If you request a printed statement for your account, you will be charged per statement.
  • Late payment fee. A fee of $20 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 or 3% 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 $4.00 in addition to cash advance fee.
  • 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 $2.50 fee in-person and a $0.95 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.
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 721 394 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.
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Activating and using your GO Mastercard

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:

  1. Call 1300 462 273.
  2. Follow the prompts to verify your card.
  3. 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 PayPass 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.

You can apply for a credit limit increase or decrease by calling the Customer Solutions team on 1300 721 394.

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.

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The Latitude GO Mastercard credit card 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, 0% Payment Plan offers and rewards. You can start using this online banking service by following the steps below:

  1. Go to the GO Mastercard Online Service Centre homepage
  2. Click on the "Register" button
  3. Enter your account details, including your card number and date of birth
  4. 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, redeem rewards and more.

You can also find out about your account details by calling Latitude Financial Services on 1300 721 394, 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 721 394 to unlock it.

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Latitude GO Mastercard 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 Customer Solutions 1300 721 394 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 like PayPass is as safe as any chip-enabled credit card. Features such as the fraud monitoring service and Zero Liability Policy also help protect you.

Contact the Latitude Financial Services lost and found team on 1300 462 273 or +61 3 9425 4886 (overseas) as soon as you discover your card is lost or stolen. 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 Customer Solutions on 1300 462 273 as soon as possible.

With a range interest-free payment options and a rewards program, the Latitude GO Mastercard is designed to offer affordability and convenience. Now that you understanding exactly how these features work, you can make an informed decision about whether or not this card suits your circumstances and goals.

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Comparison of Latitude Financial Services Credit Cards

Rates last updated June 25th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
28 Degrees Platinum Mastercard
Designed for travel, benefit from no international transaction fees on purchases and no currency conversion fees.
21.99% p.a.
4.99% p.a. for 6 months
$0 p.a.
Latitude 'Go' Mastercard
Enjoy free access to the GO rewards program and earn 1.00 point per $1 spent to redeem at dozens of retailers.
22.74% p.a.
$0 p.a.
Latitude MasterCard
Offers the ability to apply for Shopper’s Protection insurance and request up to 9 additional cardholders at no extra cost.
24.50% p.a.
$69 p.a.
Gem Visa Credit Card
Enjoy up to 55 days interest-free on purchases and 0% interest at a variety of retailers across Australia.
0% p.a. for 6 months (reverts to 24.99% p.a.)
$99 p.a.

Compare up to 4 providers

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293 Responses to Latitude GO Mastercard Frequently Asked Questions

  1. Default Gravatar
    porkkrop | April 17, 2017

    I have a Latitude GO Mastercard. I was wondering if it will let me do a 0% balance transfer to another credit card company? As I have seen on the monthly statements that it doesnt accept payment from a credit card.


    • Staff
      Anndy | April 18, 2017

      Hi Porkkrop,

      Thanks for your question.

      Latitude Go Mastercard may not accept payment from another credit card for the monthly billing. But generally, they allow customers to transfer their balance to another balance transfer credit card.

      Please do note that Balance transfers are not allowed between Latitude accounts or its associated entities (28 Degrees, Coles credit cards, Myer credit cards).

      You can compare your balance transfer options through this page.


  2. Default Gravatar
    Mamma | February 17, 2017

    Can I use go Mastercard on ebay, wish and other online shopping sites

    • Staff
      May | February 17, 2017

      Hi Mamma,

      Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      Yes, you can use your Go Mastercard for your online purchases like on eBay and other shopping sites.


  3. Default Gravatar
    Adam | October 28, 2016

    Hi, I got a $3000 credit from Harvey Norman over 6 months ago and am wondering if it is possible to extend that now to make another purchase of a similar amount?


    • Staff
      May | October 28, 2016

      Hi Adam,

      Thanks for your question.

      That depends if your card has the available credit limit that could cover enough for the cost of your new purchases at Harvey Norman. You may have to check your credit limit balance first before you make purchases.


  4. Default Gravatar
    elley | September 28, 2016

    Can you have two separate GO Master Cards at the same time?

    • Staff
      May | September 30, 2016

      Hi Elley,

      Thanks for your inquiry.

      Unfortunately, you can only have one Go MasterCard under your name at a time.


  5. Default Gravatar
    | September 18, 2016

    Where do I make payments?

    • Staff
      Jonathan | September 20, 2016

      Hi Ardy, thanks for your inquiry!

      To make payments you can use BPAY by logging in online to your Latitude GO MasterCard account.



  6. Default Gravatar
    helen | June 8, 2016

    Does signing a sales voucher mean you are committing to purchase the goods?

    • Staff
      May | June 10, 2016

      Hi Helen,

      Thanks for your inquiry.

      Just to confirm, finder.com.au is a financial comparison website and does not represent Latitude Financial Services – the issuer of GO MasterCard.

      You’d be best if you can directly verify with GO MasterCard customer service if signing a sales voucher would mean you are committing to purchase the goods. Please see your email for the contact details of GO MasterCard.


  7. Default Gravatar
    Jess | March 7, 2016

    I purchased some items in January under 60 months interest free with minimum monthly repayments, then I purchased a computer in February under 24 months interest free no monthly payments.

    If I make a payment which one is this going to? Is there a way I can make sure I’m paying off the 60 month with minimum payments so that I don’t accrue interest even though the 24 months finishes first?

    • Staff
      Jonathan | March 8, 2016

      Hi Jess, thanks for your inquiry!

      The payments should contribute to the 60 months interest-free purchase since it was made before the 24-month promotion. Otherwise according to credit card terms and conditions, repayments will go towards the payment with the highest default interest rate first.



  8. Default Gravatar
    david | March 5, 2016

    I received an upgrade to a Go Platinum card today in the mail. I currently have a Go MasterCard , what is the difference and is there any extra charges involved in this GO Platinum card ?

    • Staff
      Ysa | March 7, 2016

      Hi David,

      Thanks for your question.
      Just to confirm, are you referring to the 28 Degrees Platinum MasterCard?
      If so, you may wish to read through our review page for more information.


    • Default Gravatar
      chaz | March 14, 2016

      Received platinum card (go master card) in the mail – cannot see anything on the website in regards to this card. currently have the go master card (green)

    • Staff
      Ysa | March 15, 2016

      Hi Chaz,

      Thanks for reaching out.

      Unfortunately, we are still unable to confirm this information since Latitude Financial Services has not yet listed the GO MasterCard Platinum on their official website.

      Should you wish to receive further details about the product, kindly get in touch with Latitude Financial Services for direct assistance.


    • Staff
      Jonathan | March 7, 2016

      Hi David, thanks for your inquiry!

      Were you referring to the 28 Degrees MasterCard? Otherwise please refer to the contact details which I have sent to your email to inquire about your offer.



    • Default Gravatar
      david | March 7, 2016

      No its not the 28degrees card as it only has GO Platinum on it and its a silver/grey card. I have searched everywhere for it but cant find it on the net or even on there site.

    • Staff
      Ally | March 7, 2016

      Hi David,

      Thanks for your reply.

      Kindly note that finder.com.au is an online comparison service that does not represent any credit card issuer such as Latitude Financial Services.

      Anyhow, we are currently only featuring Latitude GO MasterCard on our site and couldn’t find any references to GO Platinum on Latitude Financial Services’ official site either. There’s just the 28 degrees Platinum card as previously mentioned by the other finder team members here.

      It would be best to contact Latitude Financial Services’ team for direct assistance regarding this matter.

      That said, I have resent their contact details to your email for reference.

      I hope this has helped.


  9. Default Gravatar
    Go | February 29, 2016

    I received a platinum card in the mall, what is the difference between this and the card i already have?

    • Staff
      Ally | February 29, 2016

      Hi Joseph,

      Thanks for reaching out.

      If you can let us know what exact type of credit card you are currently using, it will certainly help us provide you the difference between that and a platinum card.

      Hope to hear from you again soon.


  10. Default Gravatar
    Honey | February 17, 2016

    I tried to log on my Go Mastercard account but an messages and a red key pop up said invalid not in trust i never seen before. please advise. thanks

    • Staff
      Sharon | February 17, 2016

      Hi Honey, thanks for your inquiry.

      Please note that you have come through to finder.com.au, an online comparison website and not GE Money. It would be best to contact GE money directly on 1300 462 273 regarding this issue.



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