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Latitude GO Mastercard
Latitude GO Mastercard

Latitude Financial Credit Cards

Latitude GO Mastercard

Updated 14 June 2022

Enjoy interest free payment plans when you shop at thousands of partner retailers online or in-store such as Harvey Norman, Domayne and Joyce Mayne. Save with up to 55 days interest-free on your everyday purchases. Compatible with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay. Track and manage your payments easily with the Latitude App. Apply now and get a response in 60 seconds. T&Cs apply.

Purchase Rate (p.a)

21.45%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0*

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No establishment fee
  • Up to 60 months interest free payment plans from a range of retailers
  • Up to 55 days interest free on everyday purchases
  • Three types of Interest Free Payment Plans: Equal Monthly, Minimum Monthly and Flexible
  • *No monthly account servicing fee if you have less than $10 outstanding each month
  • Compatible with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay
  • Manage and track payments with the Latitude App

  • *$8.95 monthly account servicing fee when your outstanding balance is greater than $10
  • High interest rates

Creditcard.com.au review

Editor Review

Latitude GO Mastercard

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Latitude GO Mastercard

Latitude GO Mastercard is a credit card offered by Latitude Financial Services (formerly owned by GE Money). It is an unusual card that offers flexible interest free payment plans on certain goods but these goods vary among partner retailers online or in-store.

What we love...

This card’s highlight feature is its flexible interest free payment plans on different products at thousands of partner retailers online or in-store. Selected retailers offer up to 60 months interest free plus bonus gift cards and vouchers.

There are three types of Interest Free Payment Plans that are available on the Latitude GO Mastercard.

  • Equal Monthly. You pay the same amount every month. Plans vary and are only available during select promotional periods.
  • Minimum Monthly. With this option you pay minimum monthly payments and can make extra payments where you can. Plans start from 6 months.
  • Flexible. No repayment required during the Interest Free period however you can make payments at any time. Plans start from 3 months.

More than 10,000 stores accept these cards, distributed over a number of chains. Although there are many different areas of spending in which this card can be used, the stores are usually ones that sell big-ticket items such as furniture, home improvement items and electrical goods. Partner stores include Harvey Norman, Domayne, Kogan, and Joyce Mayne. These are listed in full on the Latitude GO Mastercard website. Terms and conditions for offers vary from store to store.

The Latitude GO Mastercard also features $0 account establishment fee, an interest free period of up to 55 days, convenient instant cardless payment via Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay and seamless management of payments with the Latitude App.

What's not so great...

This card has no annual fee however it charges $8.95 monthly account servicing fee when your outstanding balance is greater than $10. This could add up to a total of $107.40 per year.

In terms of interest rates, it charges a very high interest rate of 25.9% p.a. on cash advances and expired long-term interest free payment plans so you need to make your repayments on time and should never run a balance on the card.

Why should you choose this card?

If you’re into shopping and looking for Buy Now Pay Later programs, this card is the right choice. With the thousands of partner stores, there are also a wide range of products available. Interest Free Payment Plans are also flexible which cater to how you want to pay your purchases.

You can also apply in 10 minutes and receive a response in a minute and if approved, activate your card and start shopping conveniently through instant cardless payment with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay. Manage and track your payments with the Latitude App.

Overall rating

The Latitude GO Mastercard partner retailers come with hot offers featuring the interest free terms up to 60 months and also features 21.45% p.a. Interest rate on purchases, and no establishment fee.

User reviews

Latitude GO Mastercard ( based on 33 Creditcard.com.au user reviews )

23% rating based on 33 reviews

Rates
Fees
Rewards
Customer Service
Value
0%

Courtney

19 November 2020

I work full time have zero debt and was still declined - do not apply for this if you are a single mother. Not that I know why I was declined as they do not tell you what is involved in their lending criteria

Does not recommend this card
90%

Tuputala

1 June 2020

When I pay my go credit card off in full and decide to cancel card, are there any fees when cancelling card?

Recommends this card
0%

malarac

12 March 2019

This company is an absolute rip off and only want to take of advantage of you and take your money. Changed me $4000 in fees because i work away from home and can’t check my statements all the time. Been a customer for over 10 years and i will now NEVER use your card again and I’ll make sure to talk bad about your greedy company to all my friends and family. I hope this company goes under for all the people you have taken advantage of. Do not care about your customers one bit!!

Does not recommend this card
0%

Creditcard.com.au Visitor

5 February 2018

I got this card whilst making purchase at Harvey Norman and took advantage of the card. The good point is the interest free period which you have to note so you make payments before the period. (Good point) The downside is that you will be slugged with a $4.95 account fee plus $0.95c for payment processing fee, every time you make the payment. Personally I would pay off the card in one go but moving houses, I lost track so I was slugged with the above. This card is useful for purchases but ensure you pay off during the interest free period or else the balance can escalate monthly. I would not be recommending this card to keep after you have made the purchase. due to on-going fees with the card.

Does not recommend this card
99%

Bill

25 January 2018

Funny how everybody complains about Go mastercard. Just read product review. For me they are great because I dont spend money I dont have. I use the card for everyday use as well as paying my bills. The way I use it means that towards the end of the monthly biling cycle I make 1 payment from my bank account to Go mastercard. As an example from Dec 26 2017 to Jan 22 2018 I spent $2300.00 on my Go mastercard. So on the 22nd of Jan 2018 I paid my monthly credit card debt using their online payment. I zero'd my account out. I pay no interest, account fee, bpay fee-nothing. I earn points which allowed me to redeem from a huge list, a gopro4. This is just 1 of multiple items redeemed. If you live off credit you will pay as per the terms and conditions. If you use the card but zero out the balance each month, then for using the card you get rewarded. The real issue from my observations is living beyond your means.

Recommends this card
10%

Creditcard.com.au Visitor

9 May 2017

Fundamentally unethical company. This credit card product will get you in a tight spot and you'll unwillingly end up paying more fees than anticipated. Eg: 1) $0.95 payment handling fees for paying account via BPay. (Which company charges fees for receiving money via BPay?) 2) If you decide to make payment via GoMasterCard portal (user login), you can only do it once in 2-3 days, i.e. cannot pay additional money in second/third instalment until the first payment has been completely processed and goMastercard has received funds. Does it make sense? Not really. It’s more to force customer to make payments via BPay so they can charge fees or make them pay interest / fees on the outstanding payments. ) This product has attractive features but they are solely BAIT and that’s it. My recommendation don’t.

Does not recommend this card
10%

Creditcard.com.au Visitor

29 July 2016

I would be weary of this card, as they now have a $0.95 Payment Handling fee every time you pay off your GoMastercard.

Does not recommend this card

Rates and fees

Interest rates



Purchase rate 21.45% p.a.

Cash advance rate 25.90% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $1000

Maximum credit limit N/A

Fees & repayments

Annual fee $0* p.a.

Additional cardholder fee Up to 8 at no extra cost

Foreign transaction fee 3%

Minimum repayment 3% or $25 (whichever is greater)

Cash advance fee 3% or $4 (whichever is greater)

Late payment fee $35

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Up to 60 months interest free payment plans plus gift cards and vouchers at selected participating stores

Overview

Latitude GO Mastercard

The Latitude GO Mastercard offers great options for making interest free purchases up to 60 months payment terms plus gift cards and vouchers at selected participating stores. Apply in 10 minutes and receive a response in a minute and if approved, activate your card and start shopping conveniently through instant cardless payment with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay. Manage and track your payments with the Latitude App.

Key features

  • No establishment fee
  • Up to 60 months interest free payment plans from a range of retailers
  • Up to 55 days interest free on everyday purchases
  • Three types of Interest Free Payment Plans: Equal Monthly, Minimum Monthly and Flexible
  • *No monthly account servicing fee if you have less than $10 outstanding each month
  • 21.45% p.a. on purchases
  • 25.90% p.a. on cash advances
  • Compatible with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay
  • Manage and track payments with the Latitude App

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent resident or temporary resident who legally has the right to work in Australia for at least the next 12 months

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

96 questions (showing the latest 10 Q&As)

Judi

Judi

3 May 2022
Why was I asked for my bsb & acct no when setting up direct debit with Lat customer service. Is this normal practice?
    Pauline - CreditCard.com.au

    Pauline

    5 May 2022
    Hi Judi, this sounds like Latitude needs your details to process the direct debit of your card payments. If you’ve elected to have the minimum monthly repayment deducted from your account, this seems normal to us. If you’re worried about security you should ask the operator for security validation of your account.
Massy

Massy

2 May 2022
how do i calculate the percentage of fee for interest charges?
    Pauline - CreditCard.com.au

    Pauline

    5 May 2022
    Hi Massy, we’ve written a page on how to calculate your repayments. You can find our handy calculator on our Credit Card Repayment Calculator page.
Morrin Khenglawt

Morrin Khenglawt

29 April 2022
I'm still waiting for your approve.
    Pauline - CreditCard.com.au

    Pauline

    4 May 2022
    Hi Morrin, we are Australia’s leading credit card comparison and information site. You can reach Latitude directly at 1300 462 273 to check the status of your application.
Judi H

Judi H

28 April 2022
I applied for latitude gomaster card last week whilst buying in store When will I receive card as wish to set up direct debit
    Pauline - CreditCard.com.au

    Pauline

    2 May 2022
    Hi Judi, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. You can reach out to Latitude directly at 1300 552 079 to check the status of your application.
Ravi

Ravi

19 February 2022
Why my latitude credit card number is not a valid card number for balance transfer
    Pauline - CreditCard.com.au

    Pauline

    22 February 2022
    Hi Ravi, you’ve actually reached Creditcard.com.au, Australia’s leading credit card comparison and information site. Please reach out to Latitude directly at 1300 462 273 to check this with them as you may need to do the balance transfer via BPAY.
Anthony

Anthony

13 December 2021
How I use my card to withdraw cash or transfer to another account?
    Pauline - CreditCard.com.au

    Pauline

    14 December 2021
    Hi Anthony, we have a guide on this exact topic. You can read how to transfer money from a credit card to a debit card in our guide. Keep in mind that this will most probably incur cash advance fees and interest rates.
Kim Thomas

Kim Thomas

3 December 2021
I have a latitude credit card can I get a limit increase on the card of $1500 asap as I have been paying my card with no defaults im in need of the cash for travel please
    Pauline - CreditCard.com.au

    Pauline

    7 December 2021
    Hi Kim, here’s our article for alternatives we have written to help you compare your options.
steve

steve

29 November 2021
direct debit withdrawal enquiry
    Pauline - CreditCard.com.au

    Pauline

    29 November 2021
    Hey Steve, please contact Latitude directly on 1300 552 079 for help with your direct debit question. Hopefully you’ll get it all resolved.
P

P

29 October 2021
why am I getting a text message about an overdrawn GO MC card when I don't have one? Is this a scam?
    Pauline - CreditCard.com.au

    Pauline

    1 November 2021
    Hi P, I suggest reaching out to the bank directly to check this with them. You can give them a call at 1300 552 079 or contact them via their official Facebook page.
Joanne Hellert

Joanne Hellert

13 October 2021
My card has expired and we have changed our postal address details so I am hoping my card hasn't gone into the wring hands
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 October 2021
    Hi Joanne, please reach out to the bank directly at 1300 552 079 to inform them of your new address and cancel any other cards that have been sent.
S

S

8 June 2021
Can I use my card to pay a bill online. Is this considered an everyday purchase with up to 55 days interest free?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2021
    Hi, thanks for your question! Yes, that’s considered as everyday purchase but to take advantage of up to 55 days interest free on everyday credit card purchases, you must pay the full balance of the account (excluding unexpired 0% interest promotional plans) both for the statement before the purchases were made, and for the statement on which the purchases are listed. Make sure you make the purchase right after the statement gets generated. So that the purchase will be billed on the next month's statement. You can read our guide on BPAY payments on credit cards here. Hope this helps!
Novel

Novel

18 March 2021
Hello, Can you please explain 22.74% p.a. purchase rate on GO mastercard? So far I use my card only for long-term interest-free products. This annual purchase rate still applicable on my interest free products?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 March 2021
    Hi Novel, the 22.74% p.a. interest rate is what is charged on everyday purchases (so ones that are not part of an interest-free payment plan). After the promotional period of 1-60 months on your long-term interest-free transactions, the revert interest rate on those purchases is 25.90% p.a. - so make sure you pay them off in time.
Temika

Temika

18 March 2021
Hello, I just want to know if there is any cost if you pay out your latitude GO card early?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2021
    Hi Temika, no, Latitude does not charge early termination fees on the GO Mastercard so you can pay it out whenever you'd like.
Karen

Karen

9 March 2021
If you have an interest free purchase and an everyday purchase and you make a payment, Does the payment come off the everyday purchase or the interest free purchase?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 March 2021
    Hi Karen, under Australian regulation, payments are applied to the purchase attracting the highest interest rate first. So where the everyday purchase is accruing interest and the interest-free purchase isn't, payments would go to the everyday purchase until it is paid off.
Amir

Amir

26 February 2021
Hi, I haven’t received my card yet . Also I need my statement please.Thanks
Cheryl Harris

Cheryl Harris

19 February 2021
lm having trouble activating the new card and l need to use it tomorrow, plz help
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 February 2021
    Hi Cheryl, sorry to hear you're having trouble with your card. The quickest way to activate your Latitude credit card is via the Mobile App and going through the steps to activate it and setup your PIN. You can also activate it over the phone and they will send a 6-digit confirmation code to the mobile number on file. You'll need to enter that when prompted.

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