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.
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.
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".
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.
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.
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.
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.
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.
The promotional period begins the day of your purchase or on the day it is delivered (where applicable).
The promotional period varies depending on the individual offer you choose. Details of each promotion are available on your statement or online account.
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 27.99% p.a. and the cash advance rate is 29.99% 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 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.
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.
Yes. The standard interest-free days are available as long as you also pay them off before the end of their respective promotional periods.
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.
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 $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.
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.
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.
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.
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.
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.
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:
Call 1300 552 079.
Follow the prompts to verify your card.
Select a PIN for the card.
After these steps your card will be ready for use.
Yes, this card requires a PIN (Personal Identification Number) for transactions. You can select your PIN when you activate the card.
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.
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.
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.
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.
There is no fee for paying off your bill before the end of the promotional period.
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.
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:
Go to the GO Mastercard Online Service Centre homepage
Click on the "Register" button
Enter your account details, including your card number and date of birth
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.
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.
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.
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.
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.
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.
Yes, you can use this app on multiple devices.
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.
Yes. You can contact Latitude Finance on 1300 552 079 to request a new PIN.
In some places outside Australia you might still have the option of swiping and signing for purchases instead of using your PIN.
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.
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.
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.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 564 Finder guides across topics including:
The Latitude 28° Global Platinum Mastercard can be an ideal option for the international traveller, offering no transaction fees on purchases and no currency conversion fees for overseas transactions. Plus, travel perks including a Flight Delay Pass and free wifi.
Why can’t I use my card? My payments are being made by the insurance atm due to disability, and when I try to use my card it won’t go through even though I am using the correct pin etc
Finder
JonathanSeptember 2, 2015Finder
Hi Kezza,
Thanks for your inquiry!
Please note that you have reached finder.com.au and not GE Money. I have sent the contact details of their customer service team to allow you to inquire further into this account issue.
Cheers,
Jonathan
CaraAugust 18, 2015
Team
I have relocated and need to change my billing address. How can I do this over the phone or easily online? . I do not have log in details to access the info online.
Finder
JonathanAugust 19, 2015Finder
Hi Cara, thanks for your inquiry.
To update your billing address, you will either need to make a call or access your account via the Online Service Centre. However, before you can view and manage your account online, you will need to register for the Online Service Centre. The process only takes a couple of minutes to complete and will need your account details from a recent statement to help you answer a few questions. Once you have successfully registered, you can go ahead and update your billing address.
Please refer to the email I have sent to you for the contact number and online registration link.
I hope this has helped.
Cheers,
Jonathan
PurvishAugust 11, 2015
can i get a GO card even if I am on student Visa in australia?
Finder
JonathanAugust 12, 2015Finder
Hi Purvish,
Thanks for your inquiry.
To be eligible for the GE Money Go MasterCard, you must be a current Australian permanent resident so unfortunately, you won’t be able to apply until you are granted permanent residency. Please refer to a comparison of debit cards you can apply easily. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply for the card.
I hope this has helped.
Cheers,
Jonathan
DianeAugust 9, 2015
What do I do if I wish to increase my credit limit.
Finder
JonathanAugust 10, 2015Finder
Hi Diane,
Thanks for your inquiry.
Credit limit increases can be requested by calling the GE Money Customer Solutions team. GE Money will then review and inform you on your eligibility to increase your limit. You can also request a credit limit increase by completing an online form and submitting it with supporting documentation.
Please refer to the contact details and link I have sent to your email.
I hope this has helped.
Cheers,
Jonathan
PJAugust 9, 2015
Hello,
I have an interest free purchase of $8,000 and I always paid exactly $171.64 monthly including service charges. but recently I started to use the card to purchase stuff online, but I paid the amount straight away (even the statement shows the balance as zero when I calculated) I started getting an extra $20.05 each month. Even in one month Ii have paid an extra $70 but still I get this extra $20.05. This is frustrating. What is the reason?
Finder
JonathanAugust 10, 2015Finder
Hi PJ, thanks for your inquiry!
Please note that you have reached finder.com.au and not GE Money. I have sent the contact details of their customer service team to allow you to inquire further into this billing issue.
Cheers,
Jonathan
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Why can’t I use my card? My payments are being made by the insurance atm due to disability, and when I try to use my card it won’t go through even though I am using the correct pin etc
Hi Kezza,
Thanks for your inquiry!
Please note that you have reached finder.com.au and not GE Money. I have sent the contact details of their customer service team to allow you to inquire further into this account issue.
Cheers,
Jonathan
Team
I have relocated and need to change my billing address. How can I do this over the phone or easily online? . I do not have log in details to access the info online.
Hi Cara, thanks for your inquiry.
To update your billing address, you will either need to make a call or access your account via the Online Service Centre. However, before you can view and manage your account online, you will need to register for the Online Service Centre. The process only takes a couple of minutes to complete and will need your account details from a recent statement to help you answer a few questions. Once you have successfully registered, you can go ahead and update your billing address.
Please refer to the email I have sent to you for the contact number and online registration link.
I hope this has helped.
Cheers,
Jonathan
can i get a GO card even if I am on student Visa in australia?
Hi Purvish,
Thanks for your inquiry.
To be eligible for the GE Money Go MasterCard, you must be a current Australian permanent resident so unfortunately, you won’t be able to apply until you are granted permanent residency. Please refer to a comparison of debit cards you can apply easily. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply for the card.
I hope this has helped.
Cheers,
Jonathan
What do I do if I wish to increase my credit limit.
Hi Diane,
Thanks for your inquiry.
Credit limit increases can be requested by calling the GE Money Customer Solutions team. GE Money will then review and inform you on your eligibility to increase your limit. You can also request a credit limit increase by completing an online form and submitting it with supporting documentation.
Please refer to the contact details and link I have sent to your email.
I hope this has helped.
Cheers,
Jonathan
Hello,
I have an interest free purchase of $8,000 and I always paid exactly $171.64 monthly including service charges. but recently I started to use the card to purchase stuff online, but I paid the amount straight away (even the statement shows the balance as zero when I calculated) I started getting an extra $20.05 each month. Even in one month Ii have paid an extra $70 but still I get this extra $20.05. This is frustrating. What is the reason?
Hi PJ, thanks for your inquiry!
Please note that you have reached finder.com.au and not GE Money. I have sent the contact details of their customer service team to allow you to inquire further into this billing issue.
Cheers,
Jonathan