The Latitude GO Mastercard gives you a way to buy what you want and save on interest costs for a set period of time, with interest-free payment plan offers at partner retailers, including Harvey Norman and The Good Guys. But if you don't pay off the balance of a 0% interest payment plan before it ends, a high interest rate of 29.99% p.a. applies.
Latitude GO Mastercard
- Purchase rate
- 27.99% p.a.
- Annual fee
- $131.4 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers 0% interest payment plans when you make major purchases at participating stores around Australia – but watch out for the revert rate.
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, 24 and 60 months. The stores where you can get a 0% interest payment plan vary based on your location, so it’s worth checking the Latitude 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.
It’s also worth noting that you may need to make regular repayments as part of the plan. And if you don’t pay off the entire purchase by the plan’s end date, you’ll be charged interest at a high rate of 29.99% p.a. The other features include up to 55 interest-free days on purchases and a $10.95 monthly fee that is equivalent to a $131.40 annual fee when you're comparing cards.
Pros
-
Choice of 0% interest payment plans: Equal Monthly, Minimum Monthly, & Flexible
-
0% interest for the first 6 months on everyday purchases of $250 or more
-
Up to 55 days interest-free on purchases
Cons
-
Does not have a rewards program
-
Charges a 3% foreign transaction fee
-
High purchase and cash advance interest rates
Details
Product details
| Product Name | Latitude GO Mastercard |
| Purchase rate p.a. | Purchase rate p.a. 27.99% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 29.99% |
| Min credit limit | $1,000 |
| Max credit limit | $25,000 |
| Card type | Mastercard |
Eligibility
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $131.40 |
| Minimum monthly repayment | 3% of the closing balance or $25, whichever is greater |
| Late payment fee | $45 |
| Foreign currency conversion fee | Foreign currency conversion fee 3% |
| Cash advance fee | 3.5% or $4, whichever is greater |
| Overseas cash advance fee | $4.00 in addition to cash advance fee |
| Additional cardholder fee | $0 |
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Amy Finder
Editor
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Amy Bradney-George Finder
September 15, 2023
Thanks for your question. Yes, you can apply for a 0% balance transfer offer to a credit card from another financial institution. You will need to provide the account details for your Latitude GO Mastercard account, as well as the amount you want balance transferred. Keep in mind that some credit card brands ask for the account name and number, and others require BPAY details for the account – so make sure you have the required information ready when you apply. I hope this helps.
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Christopher
April 19, 2023
how do i set a pin for a new card with out phone
Amy Bradney-George Finder
April 21, 2023
Hi Christopher,
You can set a PIN through the online Latitude Service Centre if you have access to a computer. Otherwise, call Latitude on 1300 552 079. I hope that helps.
Rose
March 19, 2023
I didn’t apply for Latitude Go Mastercard but received one recently. I have not activated it nor intend to. How open is my information regarding the latest Latitude security breach?
Amy Bradney-George Finder
March 20, 2023
Hi Rose,
Latitude has said it is contacting affected customers directly. But if you didn’t apply for a credit card and received one in your name, it’s a good idea to check your credit report to see if the account details are listed on your credit file. You can do this for free through Finder and then get any mistakes or incorrect details removed from your credit report. You can also contact IDCARE on 1800 595 160 and report incidents through the Australian Cyber Security Centre website. I hope that helps.
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Jamy
March 04, 2023
Hi
Just want to ask is there reward points on the latitude go master card
Amy Bradney-George Finder
March 15, 2023
Hi Jamy,
The Latitude GO Mastercard doesn’t earn reward points, but you can see other credit cards that do earn points in Finder’s guide to reward credit cards. Hope that helps.
Amba
January 24, 2019
Can u pay off the Go MasterCard by redeeming points on Go MasterCard?
Jhezelyn Finder
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
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SoapSquash
September 12, 2023
If I have a Latitude Go, am I able to Balance Transfer out the remaining balance to another institution?