- Take advantage of 12, 18 and 24-month Interest Free payments plans from a range of retailers.
- Up to 55 days interest free on standard purchases
With this card you get up to 55 days interest free, plus there’s no annual fee to worry about, and you can earn rewards points with stores like Harvey Norman and Domayne. Points are capped at $100,000 per year, but they never expire so you can build them up.
GO Mastercard is a credit card offered by Latitude Financial Services. It is an unusual card in that it has interest free offers open on certain goods, but these goods change from shop to shop. This credit card has a very high interest rate of 22.74% p.a. on purchases and 25.90% p.a. on cash advances and expired promotional purchases. So make sure you don't run a debt on this credit card.
The card grows out of Latitude Financial Services (card formally owned by GE Money) specialty of offering consumer finance to enable shops to sell big items.
There are two offers that are available on the card. The first is a buy now, pay later facility. This means that a customer can choose a good and for a period it never gets added to the GO Mastercard balance and so there is no interest charged during this time and this does not affect the minimum balance on the card.
There is a modified form of the buy now – pay later facility, which are interest free periods. These are also interest free although a client has to maintain minimum payments on this portion of the credit card balance during this time. Any payments that are made during this period are made on the interest free element, so the interest bearing element will be allowed to grow untouched.
These offers are not available on all goods. They are only available in some stores and on some goods. The goods on which they are offered change from store to store.
More than 10,000 stores that 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. These are listed in full on the GO Mastercard website.
The Go Mastercard is also a normal credit card as well, offering an Interest free period of up to 55 days. There is also a rewards programme that is free for any card user to join and which centres on a points system for spending.
Purchase rate 22.74% p.a.
Cash advance rate 25.90% p.a.
Interest free period on purchases up to 55 days
Minimum credit limt $600
Maximum credit limit $25,000
Annual fee $71.4 p.a.
Additional card holder fee Up to 9 - $0 p.a.
Foreign transaction fee 3%
Cash advance fee 3%
Late payment fee $30
Rewards Program GO Rewards
Bonus points N/A
Annual points cap 100,000
Bonus points spend criteria N/A
GO Reward Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
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
12, 18 and 24-month Interest Free plans from a selected retailers
The GO Mastercard offers great options for making interest free purchases and also offers a free rewards program with the chance to earn rewards points at a rate of 1 GO Reward credit card rewards point per $1 spent. Take advantage of 12, 18 and 24-month Interest Free payments plans from a range of retailers.
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Australian permanent resident
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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