Latitude GO MasterCard Frequently Asked Questions

Information verified correct on October 21st, 2016

The Latitude GO MasterCard offers a range of interest-free purchase options and rewards. Find out more about these features and get answers to frequently asked questions here.

The Latitude Go MasterCard offers specialised interest-free purchase deals at a range of participating retailers, as well as a rewards program for everyday spending.

This guide explains the different features of the Latitude GO MasterCard and how you can use them to get the most out of this credit card based on your circumstances.

See our review of the Latitude Go MasterCard

Popular Q&As for the Latitude GO MasterCard

How do I make a 0% interest purchase?

To take advantage of a 0% Interest Payment Plan in-store, just present your GO MasterCard and photo ID to a sales representative at any participating retailer.

For online purchases, just reference your GO MasterCard number or the account number (listed on your statement or via the online service centre) with a participating online store.

Do I have to spend a certain amount to get an interest-free offer?

Each 0% Interest Payment Plan has a minimum spending amount that you must reach to take advantage of the offer. This amount varies depending on the retailer, so it’s important to check the details for each deal you are considering to make sure you are eligible.

How can I find participating Latitude GO MasterCard stores?

Interest-free promotions are available at more than 1,000 retailers including Harvey Norman, The Good Guys, Bob Jane and Michael Hill Jeweller. You can search and browse the participating stores on the GO MasterCard website.

Can I have more than one 0% Interest Payment Plan at a time?

Yes, you can have multiple interest-free payment plans up to your credit limit for the card.

When does the interest-free period start?

The promotional period begins the day of your purchase or on the day it is delivered (where applicable).

When does the promotional period end?

The promotional period varies depending on the individual offer you choose. Details of each promotion are available on your statement or online account.

Can I make other purchases on the card?

You can continue to use your card for regular purchases, cash advances, or other promotional purchases while you are paying back the bill, up to your spending limit. These purchases will not be eligible for the interest-free period offer and may attract the standard rate of interest.

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Q&As about Latitude GO MasterCard interest rates

The Latitude GO MasterCard has three standard interest rates that can be applied to balances on the card:

  • Purchase rate. This is the standard rate of interest applied to new purchases if you carry a balance from month to month. It’s currently up to 22.74% p.a. variable.
  • Cash rate. Withdrawing cash from an ATM, using the card for BPAY or making any other cash advance transactions will attract an interest rate of up to 29.49% p.a.
  • Expired promotional purchases. This interest rate is applied to 0% Interest Payment Plan purchases when the balance is not paid in full during the promotional period.

Can I get interest-free days for standard purchases?

Yes. The Latitude GO MasterCard also offers up to 62 days interest-free on standard purchases if you pay the balance off in full each month.

Will I be eligible for interest-free days if I have a 0% Payment Plan purchase on the card?

Yes. The standard interest-free days are available as long as you also pay them off before the end of their respective promotional periods.

I have made a purchase on the card that attracts interest and there is already a balance on the card that does not attract interest. Which balance will be paid first?

Repayments to the card are allocated to the portion of the balance that attracts the highest rate of interest first. In this case, that means the purchase that is attracting interest will be paid off first, with any remaining money going toward the balance that is not being charged interest.

Will I have to pay interest every month?

You can avoid paying interest by paying your bill in full each month if you have made regular purchases with your GO MasterCard. If you have only made promotional purchases you must pay them off prior to the expiration of that promotional period to avoid interest.

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Q&As about Latitude GO MasterCard rewards

The GO MasterCard earns one GO Reward point for every dollar spent on everyday purchases. These points can be redeemed for a wide range of rewards including travel, gift cards, movie tickets, homewares and electronics through the GO Rewards Program website.

Can I earn rewards on 0% Interest Payment Plan purchases?

No, reward points are only available for everyday purchases.

How can I find my Latitude GO MasterCard rewards points balance?

The amount of points you’ve earned will be listed on your monthly statement. You can also find it by logging into your GO MasterCard Online Service Centre account.

How do I redeem GO rewards?

Log in to your Latitude GO MasterCard account via the Online Service Centre. Select ‘rewards’ and follow the prompts to browse and select your reward, then confirm the transaction. The required points will be taken from your account and you will receive confirmation of your reward and details of when it will arrive (where applicable).
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Q&As about GO MasterCard fees

There is a range of other fees that could be charged when you have a Latitude GO MasterCard, including:

  • Establishment fee. This is a one-off set up fee of $25.
  • Account servicing fee. If you carry a balance of more than $10, you will be charged a monthly account servicing fee of $4.95.
  • Paper statement fee. If you request a printed statement for your account, you will be charged per statement.
  • Late payment fee. A fee of $20 is applied if you don’t make a payment by the due date.
  • Cash advance fee. Withdrawing money and other cash advance transactions will cost $3 or 3% of the transaction (whichever is greater), up to a maximum of $30.
  • Direct credit advance fee. If you transfer funds from your GO MasterCard to a nominated bank account, you will be charged the greater of $3 or 3% of the total transaction (up to $30).
  • International cash advance fee. A cash advance transaction made in a foreign currency is charged at $4.00 in addition to cash advance fee.
  • International transaction fee. A 3% fee is applied for transactions made overseas or in a foreign currency.
  • Payment handling fee. Any payments made at Australia Post will attract a $2.50 fee.

I have repaid my balance in full but my monthly statement shows I have been charged a fee. Why?

There are a couple of reasons you could be charged a fee even if you have paid the balance in full, such as receiving paper statements or making payments at Australia Post. If you have any other doubts about the fees, call Latitude Financial Services to get a comprehensive answer for your individual circumstances.

Why do I have to pay for paper statements?

Latitude Financial Services charges a fee for paper statements to cover the costs associated with printing and mailing them to customers. You can avoid this fee by registering for the Online Service Centre and requesting online statements.

Do most cardholders wind up going over their limit and paying the additional fee?

If you check on your balance regularly you will see when you are getting close to your spending limit and can avoid paying an over limit fee by making an extra payment or choosing a different payment method for your purchases.

Is there a way to avoid late payments?

If you are worried about making payments by the due date each month, you can call Latitude Financial Services and request a monthly direct debit from a nominated account. Keep in mind this will usually be the minimum payment required, so you may want to make additional payments to avoid interest charges and other fees.
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Q&As about activating and using your GO MasterCard

If you have successfully applied for a Latitude GO MasterCard, you should receive it within 5-10 working days. Once you receive your card, follow these steps to activate it:

  1. Call 1300 462 273.
  2. Follow the prompts to verify your card.
  3. Select a PIN for the card.

After these steps your card will be ready for use.

Do I need a PIN for this card?

Yes, this card requires a PIN (Personal Identification Number) for transactions. You can select your PIN when you activate the card.

Does the GO MasterCard have tap-and-go technology?

Yes. This card comes with MasterCard PayPass technology, allowing you to pay for purchases under $100 by simply tapping your card on a compatible card reader.

How much is my credit limit and is it the same as my cash advance limit?

Your credit limit is set based on your individual circumstances and may not always be the same as the cash limit (which is the amount of cash you can withdraw on any given day). You can find these amounts on your statement or through the Online Service Centre.

How can I increase/ decrease my credit limit?

You can apply for a credit limit increase or decrease by calling the Customer Solutions team on 1300 882 289.

Is it easy to get cash advances with my GE GO MasterCard?

Yes, you can use your MasterCard to withdraw cash from any of the more than 900,000 ATMs around the world that display the MasterCard or Cirrus logo. You can also make withdrawals at any financial institutions that display these logos. Remember that cash withdrawals incur interest from the day of the withdrawal and have no interest-free period like purchases.

Will I receive a monthly statement?

Yes, just like any other credit card you will get a monthly statement that lists your payment amount and due date. There will also be notations about any overdue payments or over limit amounts.

Will I be penalised if I pay off my balance early?

There is no fee for paying off your bill before the end of the promotional period.

How much can I expect my monthly payment to be?

Your monthly payment is a calculation based on the amount of debt on your card. It is the greater of 3% of the balance or $25, plus any other fees that may be applied to your account.

What is the total additional costs I will have to pay when getting an interest-free purchase, like a 24 months interest-free offer on an air conditioner?

You will be charged $4.95 for each month your 0% Payment Plan purchase balance is $10 or more. You can work out the total cost of this fee by multiplying $4.95 by the number of months the offer lasts, for example $4.95 x 24 = $118.80.

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Q&As about the Latitude GO MasterCard credit card Online Service Centre

Latitude Financial Services has designed the Go MasterCard Online Service Centre to make managing your GO MasterCard easy, giving you access to your account details and balance, 0% Payment Plan offers and rewards. You can start using this online banking service by following the steps below:

  1. Go to the GO MasterCard Online Service Centre homepage
  2. Click on the ‘Register’ button
  3. Enter your account details, including your card number and date of birth
  4. Follow the prompts to confirm your ID and complete your login set up

Once you are logged in, you can check your balance, make payments, set up new statement alerts, redeem rewards and more.

What if I don’t want to use the Online Service Centre?

You can also find out about your account details by calling Latitude Financial Services on 1300 721 394, or by requesting printed statements for an additional $2 per month.

What is my Latitude Go MasterCard login?

When you register for the Online Service Centre, you are asked to choose a username and password. These are your login details.

What happens if I forget my GO MasterCard login details?

You can recover your login details by selecting the ‘Forgotten Username’ or ‘Forgotten Password’ option on the Login page.

What happens if I enter the wrong login details for my GO MasterCard?

You have three opportunities to enter the correct login details for your account. After that, your account will be suspended for five minutes. If you continue to enter the wrong details, the account will be locked and you will have to call Latitude Financial Services to unlock it.

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Q&As about Latitude GO MasterCard security features

The GO MasterCard account comes with a number of security features, including:

  • Chip and PIN technology. The card is embedded with a secure microchip that encrypts the details stored on the card. It also requires a PIN to verify certain purchases.
  • 24/7 fraud monitoring. The GO MasterCard comes with Falcon fraud monitoring to protect you against unauthorised transactions.
  • Zero liability policy. This policy reimburses you for unauthorised transactions made on the card.
  • MasterCard SecureCode. This is a service you can choose to use for online purchases, which helps verify purchases by asking you a security question or sending you a unique code to enter at the checkout.

Can I change my PIN?

Yes, all you have to do is contact the GE Customer Solutions department to get a new PIN should you have forgotten or simply would like a new Personal Identification number. If you already have a card that does not have a chip you can use your existing PIN with it.

I’m going overseas and want to use this card. Will security features be different?

In some places outside Australia you might still have the option of swiping and signing for purchases instead of using your PIN.

How safe is MasterCard PayPass?

Tap-and-go technology like PayPass is as safe as any chip-enabled credit card. The fraud monitoring service on the GO MasterCard, as well as the Zero Liability Policy also help protect you.

What do I do if my card is stolen?

The lost and found team at Latitude Financial Services is available 24/7. The details can be found on Latitude Financial Services’ website and there are separate numbers for overseas and domestic calls.

What is the first indication that something is wrong with the card?

Latitude Financial Services has an active fraud protection system. If any transaction seems fraudulent, you will be contacted by SMS or phone. This provides instant verification and prevents any loss on the card. If you suspect fraud or your card is lost or stolen, call Customer Solutions on 1300 462 273 as soon as possible.

With a range interest-free payment options and a rewards program, the Latitude GO MasterCard is designed to offer affordability and convenience. Now that you understanding exactly how these features work, you can make an informed decision about whether or not this card suits your circumstances and goals.

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Comparison of Latitude Financial Services Credit Cards

Rates last updated October 21st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Coles No Annual Fee MasterCard
Enjoy low purchase rate offer of 0% p.a. for 15 months and no annual fee for the life of the card. Earn 1 flybuys point for every $2 spent.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and pay no foreign transaction fees on online and international purchases.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy no annual fee for the life of the card, low interest rate offer on purchases for up to 15 months with platinum card benefits.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Rewards Platinum MasterCard
Enjoy low interest rate and earn additional flybuys points on purchases
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Myer Card
Receive exclusive offers plus earn MYER one Shopping Credits.
23.49% p.a. $39 p.a. More info
Latitude 'Go' MasterCard
An everyday credit card with no annual fee plus you get free access to the GO Rewards program.
22.74% p.a. $0 p.a. More info
Latitude MasterCard
Receive up to with a manageable credit limit.
24.50% p.a. $69 p.a. More info
Gem Visa Credit Card
Enjoy up to 55 days interest free on purchases and a consistent rate on cash advances and purchases after promotional period.
0% p.a. for 6 months (reverts to 24.99% p.a.) $99 p.a. More info
Myer Visa Card
Earn MYER one Shopping Credits to go towards MYER one Reward Cards and up to 62 days interest-free on all purchases.
20.69% p.a. $69 p.a. More info
Latitude Eco MasterCard
An environment-friendly credit option with a low balance transfer offer of 0% p.a. for 6 months, fixed interest rates and flexible repayments.
22.49% p.a. 0% p.a. for 6 months $49 p.a. More info
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287 Responses to Latitude GO MasterCard Frequently Asked Questions

  1. Default Gravatar
    elley | September 28, 2016

    Can you have two separate GO Master Cards at the same time?

    • Staff
      May | September 30, 2016

      Hi Elley,

      Thanks for your inquiry.

      Unfortunately, you can only have one Go MasterCard under your name at a time.


  2. Default Gravatar
    Ardy | September 18, 2016

    Where do I make payments?

    • Staff
      Jonathan | September 20, 2016

      Hi Ardy, thanks for your inquiry!

      To make payments you can use BPAY by logging in online to your Latitude GO MasterCard account.



  3. Default Gravatar
    helen | June 8, 2016

    Does signing a sales voucher mean you are committing to purchase the goods?

    • Staff
      May | June 10, 2016

      Hi Helen,

      Thanks for your inquiry.

      Just to confirm, is a financial comparison website and does not represent Latitude Financial Services – the issuer of GO MasterCard.

      You’d be best if you can directly verify with GO MasterCard customer service if signing a sales voucher would mean you are committing to purchase the goods. Please see your email for the contact details of GO MasterCard.


  4. Default Gravatar
    Jess | March 7, 2016

    I purchased some items in January under 60 months interest free with minimum monthly repayments, then I purchased a computer in February under 24 months interest free no monthly payments.

    If I make a payment which one is this going to? Is there a way I can make sure I’m paying off the 60 month with minimum payments so that I don’t accrue interest even though the 24 months finishes first?

    • Staff
      Jonathan | March 8, 2016

      Hi Jess, thanks for your inquiry!

      The payments should contribute to the 60 months interest-free purchase since it was made before the 24-month promotion. Otherwise according to credit card terms and conditions, repayments will go towards the payment with the highest default interest rate first.



  5. Default Gravatar
    david | March 5, 2016

    I received an upgrade to a Go Platinum card today in the mail. I currently have a Go MasterCard , what is the difference and is there any extra charges involved in this GO Platinum card ?

    • Staff
      Ysa | March 7, 2016

      Hi David,

      Thanks for your question.
      Just to confirm, are you referring to the 28 Degrees Platinum MasterCard?
      If so, you may wish to read through our review page for more information.


    • Default Gravatar
      chaz | March 14, 2016

      Received platinum card (go master card) in the mail – cannot see anything on the website in regards to this card. currently have the go master card (green)

    • Staff
      Ysa | March 15, 2016

      Hi Chaz,

      Thanks for reaching out.

      Unfortunately, we are still unable to confirm this information since Latitude Financial Services has not yet listed the GO MasterCard Platinum on their official website.

      Should you wish to receive further details about the product, kindly get in touch with Latitude Financial Services for direct assistance.


    • Staff
      Jonathan | March 7, 2016

      Hi David, thanks for your inquiry!

      Were you referring to the 28 Degrees MasterCard? Otherwise please refer to the contact details which I have sent to your email to inquire about your offer.



    • Default Gravatar
      david | March 7, 2016

      No its not the 28degrees card as it only has GO Platinum on it and its a silver/grey card. I have searched everywhere for it but cant find it on the net or even on there site.

    • Staff
      Ally | March 7, 2016

      Hi David,

      Thanks for your reply.

      Kindly note that is an online comparison service that does not represent any credit card issuer such as Latitude Financial Services.

      Anyhow, we are currently only featuring Latitude GO MasterCard on our site and couldn’t find any references to GO Platinum on Latitude Financial Services’ official site either. There’s just the 28 degrees Platinum card as previously mentioned by the other finder team members here.

      It would be best to contact Latitude Financial Services’ team for direct assistance regarding this matter.

      That said, I have resent their contact details to your email for reference.

      I hope this has helped.


  6. Default Gravatar
    Go | February 29, 2016

    I received a platinum card in the mall, what is the difference between this and the card i already have?

    • Staff
      Ally | February 29, 2016

      Hi Joseph,

      Thanks for reaching out.

      If you can let us know what exact type of credit card you are currently using, it will certainly help us provide you the difference between that and a platinum card.

      Hope to hear from you again soon.


  7. Default Gravatar
    Honey | February 17, 2016

    I tried to log on my Go Mastercard account but an messages and a red key pop up said invalid not in trust i never seen before. please advise. thanks

    • Staff
      Sharon | February 17, 2016

      Hi Honey, thanks for your inquiry.

      Please note that you have come through to, an online comparison website and not GE Money. It would be best to contact GE money directly on 1300 462 273 regarding this issue.



  8. Default Gravatar
    Rachael | January 31, 2016

    Ive just been approved for $10,000 GO mastercard when I applied for Interest Free. My question is, can I use the GO mastercard as a normal credit card to purchase everyday items?

    • Staff
      Sally | February 1, 2016

      Hi Rachael,

      You can use the GE Money GO MasterCard for everyday purchases wherever MasterCard is accepted. However, you’ll only be able to receive interest free days on particular purchases with GE Money’s partners. You can see a full list of these partners on the GE Money website.

      I hope this has helped.



  9. Default Gravatar
    Rachael | January 31, 2016

    I have just been approved for $10,000 GO Mastercard when I was applying for Harvey Norman interest free, my question is can this be used as a normal credit card or is it just for Interest Free?

    • Staff
      Sally | February 1, 2016

      Hi Rachael,

      Yes, this card can be used as a regular credit card, though you’ll only receive no interest on specific purchases.

      I hope this has helped.



  10. Default Gravatar
    sue | January 27, 2016

    Hi i was wondering if the buyers edge card has rewards points

    • Staff
      Ally | January 27, 2016

      Hi Sue,

      Thanks for your inquiry.

      Kindly note that you have come through to, an online comparison service that does not represent any credit card issuer such as GE Money.

      Nonetheless, we have reviewed the Buyer’s Edge bank page for you and have not found any mentions about rewards points.

      For further clarifications about this matter, you can get in touch with the Buyer’s Edge team directly through this contact number: 1300 361 152.

      I hope this has helped.


Credit Cards Comparison

Rates last updated October 21st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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