Latitude GO Mastercard Frequently Asked Questions

The Latitude GO Mastercard is a credit card that gives you access to long-term 0% payment plans at participating retailers, including Domayne, Harvey Norman and Joyce Mayne. It also offers interest-free days on everyday purchases along with rates and fees for the account.

If you've got a Latitude GO Mastercard or are thinking about getting one, here you'll find answers to some of the most common questions about this credit card.

Top FAQs for the Latitude GO Mastercard

These are the most common questions we're asked about the GO Mastercard. You'll also find answers to other FAQs – organised by topic – in the sections below.

• Can I transfer money to my bank account?

  In the credit card conditions of use policy, Latitude Finance says it allows cash equivalent transactions as long as the accepting institution accepts Mastercard. However, Latitude Finance also says it may decline authorisation for any transaction, so it's wise to contact them first to confirm whether or not you can transfer funds from your credit card to your specific bank account.

• How can I increase or decrease my credit limit?

  You can apply for a credit limit increase through the Online Service Centre by logging in, selecting the "Manage my credit limit" option and following the prompts.

  You can also use this option to decrease your credit limit via the Online Service Centre. Alternatively, use the Latitude App to decrease your credit limit by going to "Manage account" and then "Reduce credit limit".

• How can I cancel my Latitude GO Mastercard?

  If you want to close your GO Mastercard account, you can submit a request online via the Latitude website. Another option is to contact Latitude Finance on 1300 552 079 and ask to have your account closed.

  If you have security concerns and want to temporarily block or cancel your Latitude GO Mastercard, call the security hotline on 1800 005 809 in Australia or +61 287 478 178 when overseas. Your current card will then be cancelled and you will be issued with a new one.

• How do I make a 0% interest purchase?

  To get 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.

• Do I have to spend a certain amount to get an interest-free offer?

  There are minimum spending requirements for each 0% Interest Payment Plan. The actual amount varies depending on the retailer and the offer, so check the details before you go ahead with a particular deal.

• How can I find participating Latitude GO Mastercard stores?

  Interest-free promotions are available at over 1,000 retailers across Australia including Domayne, Harvey Norman, The Good Guys, JB Hi-Fi, Joyce Mayne and Michael Hill Jeweller. You can see a list or map of participating stores on the GO Mastercard website.

• Can I have more than one 0% Interest Payment Plan at a time?

  Yes, you can have multiple interest-free payment plans up to your available credit limit for the card. Just keep in mind that you'll need to meet the repayment requirements listed on your monthly credit card statement.

• When does the interest-free period start?

  The promotional period begins the day of your purchase or on the day it is delivered (where applicable).

• When does the promotional period end?

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

• Can I use my credit card to make other purchases while paying off a 0% payment?

  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. However, keep in mind that the purchase interest rate for this card is 26.99% p.a. and the cash advance rate is 26.99% p.a., which are very high compared to most other credit cards on the market.

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 26.99% p.a. variable.
• Cash advance 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 26.99% 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 26.99% p.a.

• Can I get interest-free days for standard purchases?

  Yes. The Latitude GO Mastercard offers up to 55 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.

• Will I be eligible for interest-free days if I have a 0% Payment Plan purchase on the card?

  Yes. The standard interest-free days are available as long as you also pay them off before the end of their respective promotional periods.

• I have made a purchase on the card that attracts interest and there is already a balance on the card that does not attract interest. Which balance will be paid first?

  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.

• Will I have to pay interest every month?

  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 before the end of that promotional period to avoid interest.

What fees will I pay with the GO Mastercard?

The different fees you could be charged with a Latitude GO Mastercard are listed below, including details of when they apply:

• Account servicing fee. This card charges a fee of $9.95 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 $35 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.

• How do I pay my balance?

  Latitude allows you to pay your credit card balance through its online service centre, via direct debit, in person, or using BPAY.

  Using the online service centre, payments can take 3-5 business days and you can only make payments once every five days. If you want to use BPAY, you will be charged a $0.95 fee, it may take three days to appear on your account and the credit card account number is the reference number you'll need to use.

• I have repaid my balance in full but my monthly statement shows I have been charged a fee. Why?

  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 552 079 to get a comprehensive answer for your individual circumstances.

• Why do I have to pay for paper statements?

  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.

• Do most cardholders wind up going over their limit and paying the additional fee?

  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.

• Is there a way to avoid late payments?

  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.

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 552 079.
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.

• Do I need a PIN for this card?

  Yes, this card requires a PIN (Personal Identification Number) for transactions. You can select your PIN when you activate the card.

• Does the GO Mastercard have tap-and-go technology?

  Yes. This card comes with Mastercard contactless technology, allowing you to pay for purchases under $100 by simply tapping your card on a compatible card reader.

• How much is my credit limit and is it the same as my cash advance limit?

  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.

• Is it easy to get cash advances with my GO Mastercard?

  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.

• Will I receive a monthly statement?

  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.

• Will I be penalised if I pay off my balance early?

  There is no fee for paying off your bill before the end of the promotional period.

• How much can I expect my monthly payment to be?

  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.

• What is the total additional costs I will have to pay when getting an interest-free purchase, like a 24 months interest-free offer on an air conditioner?

  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.

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, as well as 0% Payment Plan offers. 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 and more.

• What if I don’t want to use the Online Service Centre?

  You can also find out about your account details by calling Latitude Financial Services on 1300 552 079, or by requesting printed statements for an additional $2.50 per month.

• What is my Latitude Go Mastercard login?

  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.

• What happens if I enter the wrong login details for my GO Mastercard?

  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 552 079 to unlock it.

Latitude GO Mastercard App

Use 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.

• How can I get the GO Mastercard app?

  To download and use this app, you must meet the following eligibility requirements:

  • Have a current Latitude GO Mastercard credit card
  • Be registered for the Latitude GO Mastercard Online Service Centre
  • Have a compatible device running Apple iOS 8 or later, as well as Android devices running v5.0 Lollipop or later

  If you meet these requirements, you can download the app from the App Store on iTunes or Google Play.

• How can I log in to the GO Mastercard App?

  Once you have downloaded the app, you can log in using your username for the Latitude GO Mastercard Online Service Centre and a 4-digit access code that you choose during the registration process. You can also change this access code at any time via the "Security" section of the account.

• Can I use the GO Mastercard App on more than one device?

  Yes, you can use this app on multiple devices.

• What if I can't log in to the GO Mastercard App?

  If you're having trouble accessing the app, start by checking the following:

  • Do you have a stable Internet connection on your device?
  • Is a wireless connection enabled?
  • Are you entering the right access code?
  • Are you entering the right username?

  If all of these details are in order and you still can't access the app, you can call the Customer Solutions Team on 1300 552 079 and explain the situation. Alternatively, you can access your account details via the Latitude GO Mastercard Online Service Centre.

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.

• Can I change my PIN?

  Yes. You can contact Latitude Finance on 1300 552 079 to request a new PIN.

• I’m going overseas and want to use this card. Will security features be different?

  In some places outside Australia you might still have the option of swiping and signing for purchases instead of using your PIN.

• How safe is Mastercard Tap and Go?

  Tap-and-go technology is as safe as any chip-enabled credit card. Features such as the fraud monitoring service and Zero Liability Policy also help protect you if your card is used for a fraudulent transaction.

• What do I do if my card is stolen?

  Contact the Latitude Financial Services lost and found team on 1800 005 809 or +61 287 478 178 (overseas) as soon as possible. This service is available 24/7 and a team member will be able to advise you on a solution based on your circumstances.

• What is the first indication that something is wrong with the card?

  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 1300 552 079 or +61 287 478 178 (overseas) as soon as possible.

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Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Velocity Frequent Flyer	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 0.66	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months, then 20.99%	Annual fee $0 first year ($129 after)	Go to siteMore Info Compare	Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 60,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $450	Go to siteMore Info Compare	Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card - Cashback Offer	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $59	Go to siteMore Info Compare	A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Low Rate Card	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 28 months, then 21.49%	Annual fee $59	Go to siteMore Info Compare	Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.
Qantas Premier Platinum Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 80,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 21.99%	Annual fee $349 first year ($399 after)	Go to siteMore Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
American Express Explorer Credit Card Membership Rewards	Purchase rate p.a. 23.99%	Bonus points 50,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $395	Go to siteMore Info Compare	Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
Qantas American Express Discovery Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 0.75	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $0	Go to siteMore Info Compare	Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.
American Express Platinum Edge Credit Card Membership Rewards	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0 first year ($195 after)	Go to siteMore Info Compare	Save with a $0 annual fee in the first year. Plus, $200 travel credit every year.
Qantas Premier Everyday Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 8,000	Points per $ spent 0.75	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 21.99%	Annual fee $49	Go to siteMore Info Compare	Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Velocity Escape Card Velocity Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 0.75	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0	Go to siteMore Info Compare	Save with an ongoing $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
American Express Essential Credit Card Membership Rewards Gateway	Purchase rate p.a. 18.99%	Bonus points N/A	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0	Go to siteMore Info Compare	Get up to 1.25 Membership Rewards points per $1 on eligible spending and an ongoing $0 annual fee.
American Express Low Rate Credit Card	Purchase rate p.a. 10.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0	Go to siteMore Info Compare	Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.
Qantas American Express Premium Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 30,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $249	Go to siteMore Info Compare	Get 30,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
Virgin Money Low Rate Credit Card	Purchase rate p.a. 11.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 15 months, then 21.69%	Annual fee $99	Go to siteMore Info Compare	Offers 0% p.a. for 15 months on balance transfers, with no balance transfer fee.
St.George Amplify Signature Amplify Rewards	Purchase rate p.a. 19.49%	Bonus points 150,000	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%	Annual fee $199 first year ($295 after)	Go to siteMore Info Compare	150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
Westpac Altitude Black Westpac Altitude Rewards	Purchase rate p.a. 19.99%	Bonus points 150,000	Points per $ spent 1.25	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a.	Annual fee $150 first year ($295 after)	Go to siteMore Info Compare	Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).
American Express Velocity Platinum Card Velocity Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 60,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $375	Go to siteMore Info Compare	Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
Latitude 28° Global Platinum Mastercard	Purchase rate p.a. 26.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0	Go to siteMore Info Compare	Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.
St.George Vertigo Card - Cashback Offer	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months, then 21.49%	Annual fee $55	Go to siteMore Info Compare	Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
Virgin Money No Annual Fee Credit Card	Purchase rate p.a. 0% for 12 months, then 18.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 20.99%	Annual fee $0	Go to siteMore Info Compare	Save with a $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.

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