Latitude GO Mastercard

Pauline Hatch

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The Latitude GO Mastercard

The Latitude GO Mastercard is issued by Latitude Financial. It provides flexible interest free payment options, including up to 55 days interest free on everyday purchases when balances are paid in full, 6 months interest free on $250+ purchases (opt in via the Latitude App within 30 days), and 6–60 month interest free plans available at participating retailers such as Harvey Norman, JB Hi-Fi, Domayne, Amazon and The Good Guys.

New Latitude GO Mastercard customers can choose one of two introductory offers:

• $200 credit back when $1,500 or more is spent each month for the first 3 months after approval (apply by 4 November 2025). The credit is applied within 60 days of meeting the spend requirement.
• Retailer promotions, such as 60 months interest free at Harvey Norman (apply by 30 September 2025) with bonus gift cards. These vary depending on the retailer and are offered at the point of sale.

Only one of the above introductory offers can be chosen. New customers only. Terms and conditions apply.

✏ Note: Latitude excludes certain transactions from eligibility for the $200 credit back. Everyday purchases do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, long term Interest Free plans, interest or balance transfers into the account. Transactions must be fully processed (pending transactions are excluded). The account must remain open and in good standing when the credit is applied.

In addition to the $200 credit back, Latitude also advertises other options. However, applicants can only choose one introductory offer when applying — either the $200 credit back, or a retailer-specific promotion such as 60 months interest free at Harvey Norman with bonus gift cards. These offers cannot be combined.

With everyday flexibility, travel perks, and these exclusive offers, the Latitude GO Mastercard makes it easier to save, shop, and enjoy more of what you love.

What we love...

The key strength of the Latitude GO Mastercard is its flexible interest free payment options. Purchases of $250 or more can be converted into a 6 month plan by opting in via the Latitude App within 30 days, while everyday purchases can receive up to 55 days interest free when balances are paid in full. Cardholders can set up multiple interest free plans at the same time.

At selected retailers including Harvey Norman, JB Hi-Fi, Domayne, Amazon and The Good Guys, longer interest free terms of 6 to 60 months are available. These are typically used for larger purchases such as furniture, electronics and appliances.

The Latitude GO Mastercard also offers three types of repayment structures for these interest free plans:

• Equal Monthly. Fixed repayments every month, generally available during promotional periods.
• Minimum Monthly. Only the minimum repayment is required each month, though extra payments can be made. Plans start from 6 months.
• Flexible. No repayments required during the interest free period, but voluntary payments can be made at any time. Plans start from 3 months.

Other features include no account establishment fee, up to 55 days interest free on everyday purchases, compatibility with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay, and account management through the Latitude App.

What's not so great...

This card has a fixed monthly fee of $10.95, charged regardless of balance. This adds up to $131.40 per year.

The ongoing interest rates are high: 27.99% p.a. on purchases and 29.99% p.a. on cash advances. This means the card is costly if balances are not paid off during the interest free period.

Why should you choose this card?

This card is suited to people who want structured interest free options for both everyday and large purchases. With thousands of participating retailers, cardholders can use either short-term or long-term payment plans, and select from three different repayment structures. It may also appeal to applicants interested in one of the introductory offers, but only one of these can be chosen.

Applications can be completed online in around 10 minutes, with a response usually provided in about 60 seconds. If approved, the card can be used immediately via Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay. Payments and account activity can be managed through the Latitude App.

Overall rating

The Latitude GO Mastercard combines short-term interest free options (55 days or 6 months on $250+ purchases) with long-term plans of up to 60 months at participating retailers. New customers can select one introductory offer ($200 credit back, or a retailer-specific promotion). The trade-offs are the fixed $10.95 monthly fee and high ongoing interest rates, so the card is best used for its interest free features rather than carrying a balance.