Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Go Mastercard
Go Mastercard

Latitude Financial Credit Cards

Go Mastercard

Updated 6 April 2020

Points Earn Rate (per $1 spent)



GO Reward

Rewards Program

GO Rewards

Bonus Points


0 points over 12 months spend

My monthly card spend

Pros and cons

  • 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

  • $5.95 Monthly account servicing fee
  • $25 once only fee for establishing your account
  • High interest rates review

Editor Review

Go Mastercard

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of about this card.

The GO Mastercard

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.

User reviews

Go Mastercard ( based on 17 user reviews )

30% rating based on 17 reviews

Customer Service


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% 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


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% 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% 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 22.74% p.a.

Cash advance rate 25.90% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $600

Maximum credit limit $25,000

Fees & repayments

Annual fee $71.4 p.a.

Additional card holder fee Up to 9 - $0 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee 3%

Late payment fee $30

Rewards and points

Rewards program

Rewards Program GO Rewards GO Rewards

Bonus points N/A

Annual points cap 100,000

Bonus points spend criteria N/A

Earning points with this card

GO Reward Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

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


12, 18 and 24-month Interest Free plans from a selected retailers


Go Mastercard

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.

Key features

  • Up to 55 days interest free on standard purchases
  • 22.74% p.a. on purchases
  • 25.90% p.a. on cash advances
  • Take advantage of 12, 18 and 24-month Interest Free payments plans from a range of retailers.
  • One-off $25 establishment fee
  • $5.95 ongoing monthly fee

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

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

Roland B Bleyer

Roland B Bleyer founded 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.

Recently Asked Questions

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

53 questions (showing the latest 10 Q&As)



4 April 2020
What are and the points earned used for
    Roland B Bleyer - Founder


    6 April 2020
    Hi Darren, what points, there is no rewards program that I know with the Go Mastercard.


27 March 2020
I have just got the Go Mastercard. We got this to be able to buy appliances etc interest free. Harvey Norman have 50 months interest free, so say I use this card and spend $2,000 does that mean I just have to pay the minimum repayment over the 50 months to avoid paying the interest or do I have to have it all paid off over the 55 days (which is the interest free period on the card)? Sorry just a bit confused and wanted some clarification before I used the card.
    Roland B Bleyer - Founder


    30 March 2020
    Hi Justin, have a look at this page - Check the video. Bottom line you will always have to make at least minimum payments. Though you can choose different options with fixed repayments or flexible or even pay over 3 months (by now pay later).
Anthony Mulvaney

Anthony Mulvaney

26 March 2020
I wish for my GO mastercard to be unblocked please
tony attard

tony attard

13 March 2020
i have just discovered i have lost my card... how do i go about cancelling it and getting a new one issued?
    Roland B Bleyer - Founder


    16 March 2020
    Hi Tony, Call Go Mastercard Customer Solutions on 1300 462 273. If you're overseas call us on +61 1300 462 273.


27 February 2020
Hi, can you tell me why I have not received my card yet please?
    Roland B Bleyer - Founder


    28 February 2020
    Hi Noeleen, I would give GO Mastercard credit card customer service a call on 1300 462 273
Robert Woodhouse

Robert Woodhouse

19 January 2020
can I please get a statement of my account


28 December 2019
How do I apply


30 October 2019
I need to get a pair of hearing aids can I get a two year interst free payments for this product
    Roland B Bleyer - Founder


    31 October 2019
    Hi Peter, there are only certain stores where you can get this interest free period. You need to spend at these retailers to do so. I would think your hearing aids would be outside of this. You can have a look at a new card with a 0% purchase offer. The longest ones are 0% for 15 months atm. Have a look at the Vertigo Platinum offer which may suit.
anthony clark

anthony clark

11 July 2019
how to increase limit on card and the paperwork required
Eddie Patterson

Eddie Patterson

23 June 2019
Im in positive can I withdraw from the card
    Roland B Bleyer - Founder


    24 June 2019
    Hi Eddie, you can cash advance with the Go Mastercard. If you are in Debit you will still be charged the cash advance fee. Though you will not be charged any interest if you are still in debit post the advance.


20 June 2019
Can someone help me navigate around this website to change my Married name please?
    Roland B Bleyer - Founder


    21 June 2019
    Hi Lorna, reach out to Go Mastercard customer service on 1300 462 273. They will be able to assist you. I assume you will have to complete a form and provide the evidence of name change.


4 May 2019
I havnt used my Go Mastercard for some time, however, if I was to start using it to buy a couple of things from the supermarket, say $30 - $60 worth, would I be able to pay that off within a month on interest free?
    Roland B Bleyer - Founder


    6 May 2019
    Hi Melanie, if you currently have a $0 balance. Then yes you should be able to do that. The interest free period depends when in your billing cycle you make a purchase. You can get up to 55 days interest free if you pay off your balance in full each billing cycle. Therefore its good to know what date this billing period starts. This should be clear on your statement dates.


4 May 2019
hi, I'm trying to confirm my identity online for my application but every time I click the link it makes me just re log back in
    Roland B Bleyer - Founder


    6 May 2019
    Hi Nicholas, you will need to reach out to Go Mastercard customer service on 1300 462 273

Similar Credit Cards

Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.