Latitude GO Mastercard Frequently Asked Questions

We've read all the fine print. Here's how to get an interest-free payment plan, increase your credit limit, cancel your GO Mastercard account and more.

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.

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 27.99% 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 29.99% 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 29.99% p.a.

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 $10.95 per month if your balance is over $10.
  • Paper statement fee. If you request a printed statement for your account, you will be charged $5 per statement.
  • Late payment fee. A fee of $45 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 $3.5 or 4% 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 $3.95 fee in-person and a $1.95 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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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.

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.

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.

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.

Want to find out more about the Latitude GO Mastercard? Finder's review of this credit card weighs up key features and details, as well as how to apply. If you're interested in other credit card options, start you credit card comparison on Finder, or, check out our top picks for the best credit card in every category.

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1 - 20 of 94
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
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Purchase rate p.a.
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Purchase rate p.a.
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0%
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Purchase rate p.a.
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13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
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0% for 28 months with 2% balance transfer fee, then 21.99%
Annual fee
$0 first year ($58 after)
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St.George Amplify Signature
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Purchase rate p.a.
20.99%
Bonus points
180,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
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N/A
Annual fee
$199 first year ($295 after)
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Up to 180,000 bonus Amplify Points (130,000 points when you spend $12,000 in the first year of card approval & an extra 50,000 points after the first eligible spend the following year). Plus, a $199 first-year annual fee.
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23.99%
Bonus points
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1.25
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Up to 44 days on purchases
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N/A
Annual fee
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N/A
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20.99%
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26.3%
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Virgin Australia Velocity Flyer Card - Balance Transfer Offer
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American Express Explorer Credit Card
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Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
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2
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Up to 55 days on purchases
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N/A
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ANZ Platinum Credit Card
ANZ Platinum Credit Card image
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99% with 3% balance transfer fee
Annual fee
$0 first year ($87 after)
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Coles Rewards Mastercard
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20.74%
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315 Responses

    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,
      Bella

    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

      Cheers,
      Arnold

    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
      AshOctober 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.

      Cheers,
      Ash

    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.

      Cheers,
      Danielle

    Default Gravatar
    VarunJuly 21, 2017

    How can I enable my GO Mastercard for MasterCard SecureCode?

      Finder
      JhezelynJuly 22, 2017Finder

      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 Mastercard’s official website for the completion of your request.

      Hope this helps.

      Cheers,
      Jonathan

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