Latitude GO Mastercard Frequently Asked Questions

latitude go mastercardLearn how you can get a 0% interest payment plan, earn rewards, check your balance and more with these answers to common questions about the Latitude GO Mastercard.

The Latitude GO Mastercard offers specialised, long-term 0% payment plans at a range of participating retailers. Depending on the offer and plan, you could enjoy interest-free periods starting from 3 or even 6 months. You can also enjoy up to 62 days interest-free on everyday purchases. The GO Mastercard also includes a rewards program that offers you points for your everyday spending.

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

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.

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Latitude GO Mastercard interest rates and fees

What interest rate will I pay on the Go Mastercard?

Beyond the 0% interest payment plans, the Latitude GO Mastercard has three different interest rates that may be applied depending on the type of balance you have on the card. These are:

  • 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 29.49% p.a.

What fees will I pay with the GO Mastercard?

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

  • Establishment fee. There is a one-off fee of $25 that's charged for establishing your account
  • Account servicing fee. This card charges a fee of monthly account fee of $4.95 per month if your balance is over $10.
  • 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.
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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.

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Managing your GO credit card account

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.

The Latitude GO Mastercard 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.

Latitude GO Mastercard App

The GO Mastercard App lets you manage your account from your smartphone. This app offers the same features as your online account, including account details, transaction history and the ability to update your details.

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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.

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 December 12th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
28 Degrees Platinum Mastercard
21.99% p.a.
4.99% p.a. for 6 months
$0 p.a.
Designed for travel, benefit from 0% foreign transaction fees on purchases, a $0 annual fee for life and a personal concierge service.
Gem Visa Credit Card
0% p.a. for 6 months (reverts to 24.99% p.a.)
$99 p.a.
Enjoy 0% p.a. interest on purchases over $250 for 6 months, optional shopper's protection insurance and the convenience of Samsung Pay.
Latitude 'Go' Mastercard
22.74% p.a.
$25 p.a. annual fee for the first year ($59.40 p.a. thereafter)
Enjoy access to the GO rewards program and earn 1.00 point per $1 spent to redeem at dozens of retailers, plus, a discounted first year annual fee.
Latitude Mastercard
24.50% p.a.
$69 p.a.
Offers optional Shopper’s Protection insurance, up to 9 additional cardholders at no extra cost and the convenience of Samsung Pay.
Latitude Infinity
20.69% p.a.
$69 p.a.
Earn an uncapped 1.00 Latitude Infinity Reward point per dollar with no expiry, plus get up to 55 days interest-free on purchases.

Compare up to 4 providers

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301 Responses

  1. Default Gravatar
    SophieOctober 20, 2017

    Hi i was just applying for the GO mastercard and it was asking for my total credit card limits and how much i have owing on them and didn’t give me any options. I dont have a credit card. Does that matter? Or do you have to have an existing credit card to be approved?

    • Staff
      AshOctober 20, 2017Staff

      Hello Sophie,

      Thank you for contacting finder.

      Please be advised that if you apply for the Latitude GO Mastercard, they will be looking into the details of your income, assets and liabilities. This is to ensure that this card will suitable for your needs and to avoid fraud. Here are the other requirements for the GO Mastercard:

      *At least 18 years of age
      *A permanent resident of Australia
      *Driver’s license, passport or proof of age card
      *Your employer’s name and contact number

      For more details regarding the Latitude GO Mastercard, you may refer to this page.

      I hope this helps.

      Let us know if you have any additional questions so we can assist you further.

      Cheers,
      Ash

  2. Default Gravatar
    lawrenceOctober 17, 2017

    I have changes address & email, how do I update GO card

    • Staff
      DanielleOctober 18, 2017Staff

      Hi Lawrence,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to their website, you can change/update your details through the Online Service Centre. Once logged in, you can change your details under Manage My Details.

      I hope this helps.

      Cheers,
      Danielle

  3. Default Gravatar
    VarunJuly 21, 2017

    How can I enable my GO Mastercard for MasterCard SecureCode?

    • Staff
      JhezelynJuly 22, 2017Staff

      Hi Varun,

      Thanks for your comment.

      Here are the steps to enroll and activate your Mastercard SecureCode:

      1. Enter your card number

      Click the “SIGN UP” button above, find your bank’s website and create your private code. Use it every time you shop online at a participating merchant.

      2. Verify your identity

      To enroll, you will be asked to confirm your identity by providing answers to security questions.

      3. Create your SecureCode

      Once you have answered the security questions, you will be asked to create your secure code.

      Registration is complete

      Once you have created your SecureCode, your enrollment is complete and you are ready to begin shopping online. When you make an online purchase at a participating merchant, a page may automatically appear asking for a unique security code or answers to security questions. Hope this helps.

      Regards,
      Jhezelyn

    • Default Gravatar
      VarunJuly 22, 2017

      Hi Jhezelyn,

      Thank you for such a quick reply.
      Sorry, but I am unable to find the “SIGN UP” button.

      Cheers
      Varun

    • Default Gravatar
      JonathanJuly 22, 2017

      Hello Varun,

      Thank you for sending your inquiry today.

      Please visit this page for the completion of your request.

      Hope this helps.

      Cheers,
      Jonathan

  4. Default Gravatar
    porkkropApril 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 doesn’t accept payment from a credit card.

    Thanks

    • Staff
      AnndyApril 18, 2017Staff

      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.

      Cheers,
      Anndy

  5. Default Gravatar
    MammaFebruary 17, 2017

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

    • Staff
      MayFebruary 17, 2017Staff

      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.

      Cheers,
      May

  6. Default Gravatar
    AdamOctober 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?

    Thanks!

    • Staff
      MayOctober 28, 2016Staff

      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.

      Cheers,
      May

  7. Default Gravatar
    elleySeptember 28, 2016

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

    • Staff
      MaySeptember 30, 2016Staff

      Hi Elley,

      Thanks for your inquiry.

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

      Cheers,
      May

  8. Default Gravatar
    September 18, 2016

    Where do I make payments?

    • Staff
      JonathanSeptember 20, 2016Staff

      Hi Ardy, thanks for your inquiry!

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

      Cheers,

      Jonathan

  9. Default Gravatar
    helenJune 8, 2016

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

    • Staff
      MayJune 10, 2016Staff

      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.

      Cheers,
      May

  10. Default Gravatar
    JessMarch 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
      JonathanMarch 8, 2016Staff

      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.

      Cheers,

      Jonathan

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