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Latitude GO Mastercard
Latitude GO Mastercard

Latitude Financial Credit Cards

Latitude GO Mastercard

Updated 6 October 2020

Points Earn Rate (per $1 spent)

1

point

GO Reward

Rewards Program

GO Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 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

  • Points are capped at 100,000 and expire after 3 years
  • $25 once only fee for establishing your account
  • *$5.95 monthly account servicing fee when your outstanding balance is greater than $10
  • High interest rates

Creditcard.com.au review

Editor Review

Latitude GO Mastercard

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

The Latitude GO Mastercard

With this card you get up to 55 days Interest Free on everyday purchases, 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 and expire after 3 years.

Latitude 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 three types of long term Interest Free offers that are available on the Latitude GO Mastercard.

Interest Free with equal repayments: You to pay the same amount every month. Plans vary and are only available during select promotional periods.

Interest Free with minimum monthly repayments: With this option you pay minimum monthly payments and can make extra payments where you can. Plans start from 6 months.

Interest Free with 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 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 Latitude GO Mastercard website.

The Latitude 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

Latitude GO Mastercard ( based on 22 Creditcard.com.au user reviews )

31% rating based on 22 reviews

Rates
Fees
Rewards
Customer Service
Value
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 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

Extras

Up to 60 months interest free payment plans

Overview

Latitude GO Mastercard

The Latitude 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. Up to 60 months interest free payment plans from a range of retailers.

Key features

  • Up to 55 days Interest Free on everyday purchases
  • 22.74% p.a. on purchases
  • 25.90% p.a. on cash advances
  • Up to 60 months interest free payment plans from a range of retailers.
  • One-off $25 establishment fee
  • $5.95 ongoing monthly fee when outstanding balance is greater than $10

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 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.

Recently Asked Questions

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

71 questions (showing the latest 10 Q&As)

Sakthivel

Sakthivel

30 September 2020
Hi, I have applied for the latitude card through Harvey norman store but I never received the card
giuseppe longo

giuseppe longo

21 September 2020
can you please give me bsb and account number so i can pay my go master
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 September 2020
    Hi Giuseppe, BPAY is the way to go. You don't need a BSB /Account number. Latitude GO Mastercard Biller Code (154799). Then you credit card number as reference. Then the amount you wish to pay. Your account number. For more ways to pay - go to https://www.gomastercard.com.au/faqs/. Click on payments, then how can I make a payment?
sara haslinger

sara haslinger

21 September 2020
I am trying to arrange a payout. I have no card and no details as I lost my home in recent bushfires and need to talk to someone.
Keisha Murray

Keisha Murray

13 September 2020
Hi, I've lost my go MasterCard and am looking at getting a replacement
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2020
    Hi Keisha, Within Australia call 1800 005 809. When overseas call +61 287 478 170 or +1 636722 7111 (Mastercard Global Service). Open 24 hours a day 365 days a year.
parmal singh thakur

parmal singh thakur

11 September 2020
hi i got go master card i wanna do price claim
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2020
    Hi Parmal, this card does not have any price protection feature.
Gina

Gina

7 September 2020
I have received several invoices stating that I owe$ 32 85. I have spoken to a worker several times stating that I have not use my account I have paid for everything owingi have been told that they will check my account, I was also sent a text message stating that I don't owe any money on this account. I had a stroke recently i feel very stress with an unpaid account. My son Nick is attempting to resolve this issue for me however it is difficult whilst he is in San Fransisco. Do I have to contact FOS over $32 or can you resolve this for me please. Many thanks gina
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 September 2020
    Hi Gina, here are all the ways you can contact go Mastercard customer service https://www.gomastercard.com.au/contact-us/. You can also reach out to them on Facebook. https://www.facebook.com/latitudefinancialservices/. This may be an easier point of contact for Nick. I know it can be concern. Just try to relax and not worry about it. Its better to heal than stress. Though its important to get to the bottom of this. There is a $5.95 monthly account servicing fee when outstanding balance is greater than $10. Maybe this has been the cause.
Rossmery

Rossmery

26 August 2020
Hi Go MasterCard. I am Rossmery, I applied for go master card. but until now I did not get the delivery of the card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 August 2020
    Hi Rossmery, we are not GO Mastercard but a credit card comparison and information site. Reach out to them directly, contact details are on the following page: https://www.gomastercard.com.au/contact-us/
ketan

ketan

22 August 2020
Can i use it at nicks scali or into blinds?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 August 2020
    Hi Ketan, you can use this card everywhere Mastercard is accepted. Have a look at the interest free plans on offer based on purchase price. https://www.gomastercard.com.au/interest-free-offers/. Make sure you take into consideration any fees.
Alaa Harara

Alaa Harara

21 August 2020
I need to know my balance
elfriede mitchell

elfriede mitchell

18 August 2020
i would like a replacement card please
Nicole

Nicole

11 August 2020
Hi there, I recently closed my account and my bank is requesting a closure letter. Can you please email this to me?

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