- No establishment fee
- Up to 6 months interest free payment plans for purchases over $250
- Access 10% off selected hotels at Expedia and Wotif when you book before 30 September 2024, and stay before 31 December 2024
- 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
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Latitude Financial Credit Cards
Latitude GO Mastercard
Updated 27 March 2024
We don't have a partnership with this card, but check out some other interest free credit providers.
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)
27.49%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$0*
Pros and cons
- *$9.95 monthly account servicing fee when your outstanding balance is greater than $10. Effective 22 May 2024, this fee will increase to $10.95.
- 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. Ask Pauline a Question about this card.
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The Latitude GO Mastercard
Latitude GO Mastercard is a credit card offered by Latitude Financial Services (formerly owned by GE Money). It offers flexible interest free payment plans when you spend over $250 on everyday purchases. You can just select the purchase on the app and create an interest-free payment plan with no fees.
This card also comes with travel perks, giving you 10% off selected hotels at Expedia and Wotif when you book before 30 September 2024, and stay before 31 December 2024.
What we love...
This card’s highlight feature is its flexible interest free payment plans. Purchases need to be over $250 to qualify, and you can pay them off interest-free for up to 6 months (but you will need to make minimum monthly payments of 3% of the balance). You can turn as many purchases into payment plans as you like.
Latitude also has a partnership with Harvey Norman, Domayne and Joyce Mayne that allows you to get even longer interest-free payment options - up to 60 months, in some instances. These stores sell big-ticket items such as furniture, home improvement items and electrical goods, which could make interest-free repayments very helpful.
For these retailers, there are 3 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.
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 $9.95 monthly account servicing fee when your outstanding balance is greater than $10 (effective 22 May 2024, this fee will increase to $10.95). This could add up to a total of $119.40 per year.
In terms of interest rates, it charges a very high interest rate of 27.49% 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 with selected retailers or 6 months for everyday purchases over $250. It also features 27.49% p.a. interest rate on purchases, and no establishment fee.
User reviews
Rates and fees
Interest rates
Purchase rate 27.49% p.a.
Cash advance rate 29.99% 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 (Gem Visa & Go Mastercard); 2.5% or $30, whichever is greater if closing balance is $30 or more (28° Global)
Cash advance fee 3.5% or $4, whichever is greater
Late payment fee $35 (effective 10 April 2024, this will increase to $45)
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 6 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 repayments on purchases over $250 for 6 months, 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 6 months interest free payment plans for purchases over $250
- Access 10% off selected hotels at Expedia and Wotif when you book before 30 September 2024, and stay before 31 December 2024
- 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
- 27.49% p.a. on purchases
- 29.99% 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
-
Permanent Australian resident and supply a copy of your driver's licence, passport or proof of age card, details of income, assets and debts, and employer name and contact details
You have your personal details ready to complete the online application
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 our credit card expert a question.
Ask a question107 questions (showing the latest 10 Q&As)
I want to close my account, and you are not letting me. My balance is zero, I will go to consumer affairs.
Hi Chloe, you've actually reached Creditcard.com.au, Australia's leading credit card comparison site. I suggest contacting Latitude directly at 1300 552 079.
What is the daily withdrawal limit for cash on Go MasterCard
Hi Irene, the limit actually differs from person to person. You can find it in your Account Summary page in your online account or on the top right-hand side of your statement. You can contact Latitude directly at 1300 552 079 to get specific information about it.
if i set up a direct debit acc with my cr.card do I still get charged a service fee monthly?
Hi Robert, Latitude says that if you've paid the card off you won't be charged the servicing fee. So just make sure the direct debit is set up to pay off the card in full. Thanks Robert!
If I pay my credit card each time it is due ,do have to pay a fee
Hi Rob, that’s a good question! If you always make your payments on time, there usually won't be any fees. So, if your outstanding balance is greater than $10 then you’ll be charged a $9.95 monthly account servicing fee.
Morning Pauline, i am trying to find my account number on my statement, so I can set up bpay payments.
Hi Maureen, good morning! You’ve actually landed on one of Australia’s top credit card comparison site, Creditcard.com.au. I checked this for you though and you can find your 16-digit account number on the top righthand corner of your statement. If you’re unsure, you can also give Latitude a call directly at 1300 462 273.
I recently cancelled my Go Card and wish to receive a email showing that it has been cancelled. Thank you
Hi Robert, you’ve actually reached Creditcard.com.au, Australia’s leading credit card comparison site. You can reach out to Latitude directly at 1300 552 079 for your request.
What can I use my card for
Hi Mitchell, you can use your Latitude GO Mastercard to pay for everyday in-store and online purchases, anywhere Mastercard is accepted. On top of that, you can also take advantage of interest-free payment plans at participating stores around Australia. For more information about the card features and terms, please review the Conditions of Use or contact their support team via Latitude mobile app for further enquiries you may have.
Courtney
19 November 2020I 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 cardTuputala
1 June 2020When I pay my go credit card off in full and decide to cancel card, are there any fees when cancelling card?
Recommends this cardmalarac
12 March 2019This 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 cardCreditcard.com.au Visitor
5 February 2018I 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 cardBill
25 January 2018Funny 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 cardCreditcard.com.au Visitor
9 May 2017Fundamentally 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 cardCreditcard.com.au Visitor
29 July 2016I 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