Latitude GO Mastercard Frequently Asked Questions |

Latitude GO Mastercard Frequently Asked Questions

Learn how you can get a 0% interest payment plan, earn rewards and more with detailed answers to questions about the Latitude GO Mastercard.

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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 55 days interest-free on everyday purchases. The GO Mastercard also includes a rewards program that lets you earn 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.

Latitude Financial Services Credit Card Offer

Latitude Gem Visa

0% p.a. for 6 months on purchases
on purchases of $250 or more

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

Receive a 0% purchase offer, a protection insurance and three interest-free payment plans.

  • 0% p.a. for the first 6 months on purchases of $250 or more, reverts to 24.99% p.a.
  • Up to 55 days interest-free on purchases
  • Annual fee: $99 | Cash advance rate: 24.99% p.a.
  • Minimum credit limit: $1,000
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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.

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 19.95% 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 25.9% 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 25.9% 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:

  • Account servicing fee. This card charges a fee of $8.95 per month if your balance is over $10.
  • Paper statement fee. If you request a printed statement for your account, you will be charged $2.50 per statement.
  • Late payment fee. A fee of $30 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.

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.

Managing your 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

Use the GO Mastercard App lets to 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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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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Compare credit cards with instalment plans

Data updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Latitude Gem Visa
24.99% 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.
humm90 Mastercard
23.99% p.a.
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
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.
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
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.
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.
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.
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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311 Responses

    Default Gravatar
    MariaJune 12, 2019

    Can I use the card to pay for accommodation?

      Avatarfinder Customer Care
      JeniJune 13, 2019Staff

      Hi Maria,

      Thank you for getting in touch with Finder.

      Yes, you may use this card to pay for your accommodation so long that they accept Mastercard. Also, please make sure that the amount you’re paying for is within your credit limit.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    NickiMay 5, 2019

    I recently got married, can I change my name online?

      Avatarfinder Customer Care
      MaiMay 6, 2019Staff

      Hi Nicki,

      Thank you for reaching out and congratulations on your wedding!

      As per Go Mastercard’s website, you can change your account details under ‘Manage Your Account’ if you are logged in to your account. You may however need to contact their support still and ask where you can send the document proof that your name has changed.

      Hope this helps! 😊

      Kind Regards,

    Default Gravatar
    AkeemApril 23, 2019

    Can I do a cash transfer to a normal bank account from my go MasterCard account?

      Avatarfinder Customer Care
      JohnApril 23, 2019Staff

      Hi Akeem,

      Thank you for reaching out to Finder.

      This would not be available as the GO Mastercard is a credit card and moving the amount from this card to a bank account could not be possible. Hope this helps!


    Default Gravatar
    StephanieJanuary 15, 2019

    Can I pay my payments at post office?

      Default Gravatar
      BellaJanuary 18, 2019

      Hi Stephanie,

      Thanks for your inquiry.

      Yes, you can pay your payments at any Post Office. Please note that there is a $2.50 payment handling fee for each transaction.

      I hope this helps.

      Kind regards,

    Default Gravatar
    DarrenJanuary 14, 2018

    Where and when can i use my Go mastercard.

      Default Gravatar
      ArnoldJanuary 14, 2018

      Hi Darren,

      Thanks for your inquiry

      You can use your Go Mastercard at any participating 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.

      The promotional period varies depending on the individual offer you choose. Details of each promotion are available on your statement or online account.

      Hope this information helps


    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?

      Default Gravatar
      Ash MunozOctober 20, 2017

      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

      Learn more about Latitude GO Mastercard.

      Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before making a decision on whether it is right for you.

      I hope this helps.

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


    Default Gravatar
    lawrenceOctober 17, 2017

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

      Default Gravatar
      DanielleOctober 18, 2017

      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.


    Default Gravatar
    VarunJuly 21, 2017

    How can I enable my GO Mastercard for MasterCard SecureCode?

      Avatarfinder Customer Care
      JhezJuly 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.


      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.


      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.


    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.


      Avatarfinder Customer Care
      DeeApril 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).

      Please feel free to compare your balance transfer credit cards on our website.

      I hope this helps.


    Default Gravatar
    MammaFebruary 17, 2017

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

      Avatarfinder Customer Care
      MayFebruary 17, 2017Staff

      Hi Mamma,

      Thank you for your question and for contacting – 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.


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