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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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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315 Responses

    Default Gravatar
    markDecember 3, 2015

    i have 2 interest free purchases that are not accruing interest as the free period has not yet expired. they have different expiration dates. if I pay an extra payment of 100 dollars which purchase does the payment come off. or is it equal amounts for both

      AvatarFinder
      JonathanDecember 4, 2015Finder

      Hi Mark, thanks for your inquiry!

      If the 2 interest-free purchases are under a 0% purchase promotion or interest-free day promotion then the repayment will go to the most early purchase.

      Cheers,

      Jonathan

    Default Gravatar
    JassmynNovember 8, 2015

    Could I use my go master card to pay for a hotel room ?

      AvatarFinder
      JonathanNovember 9, 2015Finder

      Hi Jassmyn, thanks for your inquiry!

      This transaction would be eligible.

      Cheers,

      Jonathan

    Default Gravatar
    SammyOctober 19, 2015

    Can I use my GO MasterCard overseas?

      AvatarFinder
      JonathanOctober 19, 2015Finder

      Hi Sammy, thanks for your inquiry!

      The GO MasterCard can be used overseas providing the merchant/ATM accepts MasterCard.

      Cheers,

      Jonathan

    Default Gravatar
    EricaOctober 17, 2015

    Hi team
    I was wondering is it possible to get a gem or ge card if you have bad credit and on your credit history it shows paid in full

      AvatarFinder
      JonathanOctober 19, 2015Finder

      Hi Erica, thanks for your inquiry!

      If your bad credit records have been cleared then your chances of being approved will be improved. Please note that we are unable to provide consultation on your individual circumstances as we are a comparison service, so contacting GE Money would be ideal to clarify your chances of being approved.

      Cheers,

      Jonathan

    Default Gravatar
    ChelseaSeptember 15, 2015

    Hello, I have just ordered a replacement card, I need it urgently. Can I pick it up from a GE shop front instead of waiting for it in the mail? Will this be quicker?

      AvatarFinder
      SallySeptember 15, 2015Finder

      Hi Chelsea,

      Thanks for your question.

      Just to confirm, you have come through to finder.com.au, not GE Money.

      How you can access your card will depend on what you requested at the time of submitting your application for a replacement card. If you’re unsure, you may need to contact GE Money directly to confirm how they have organised for the card to be delivered to you and whether you can do this by picking up a card in-store.

      I’ve emailed you the relevant contact details for your convenience.

      I hope this has helped.

      Thanks,

      Sally

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