Latitude Go MasterCard – Rates and Fees

Information verified correct on September 27th, 2016

Take advantage of up to 62 days interest-free and 0% interest payment plans while earning rewards points for your purchases.

The Latitude GO MasterCard offers cardholders their choice of three 0% interest payment plans when they shop with partnered retailers. This card also comes linked to the GO Rewards program and offers up to 62 interest-free days on regular purchases. While the card doesn’t charge an annual fee, you will incur a nominal monthly account keeping fee.

Product NameLatitude 'Go' MasterCard
Rewards ProgramGO Rewards Program
Purchase rate (p.a.)22.74% p.a.
Annual fee$0 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 62 days on purchases
Cash advance rate (p.a.)29.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Minimum Monthly Repayment3%
Card TypeMasterCard
Late Payment Fee$20
Foreign Currency Conversion Fee (MC)3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Annual Fee$0 p.a.
Minimum Repayment3%
Late Payment Fee$20
Cash Advance Fee$3 or 3% of the transaction (whichever is greater)
Overseas Cash Advance Fee$4.00 in addition to cash advance fee
Overseas Emergency Replacement$0
Foreign Currency Conversion Fee (MC)3% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Direct DebitYes
Australia PostYes
Phone BankingNo
Internet Banking TransfersNo
In BranchNo
Rewards ProgramGO Rewards Program
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (VISA/MC) Cap100,000
Rewards Points per $ (AMEX) CapN/A
Points Expiry36 months

Latitude GO MasterCard review

This card comes with an interest rate of 22.74% p.a. and a cash advance rate of 29.49% p.a. The card is also linked to the GO Rewards program and you’re able to earn 1 GO Reward Point for every dollar you spend. One of the main features of the card is the three 0% interest plans on offer, which are outlined below.

Benefits of the Latitude GO MasterCard

  • 0% interest payment plans. Latitude Financial Services offers three payment plans with their GO MasterCard, each to help you save on different types of purchases. This plan requires you to make a minimum repayment each month, but also gives you the option of making additional repayments when you’re able to. The plans start from 6 months, and as long as you pay off your balance before the period ends you won’t pay any interest.
  • Buy now, pay later. This option has plans that are available for shorter periods, with ones starting at three months. You don’t make regular repayments, but instead make one lump sum payment to pay off your purchase. Again, you can avoid paying interest by paying off your balance within the promotional interest-free period.
  • Instalment interest-free. Plans for this option vary, but what doesn’t vary is your monthly repayments. You’ll know how much you need to pay each month, and if you ensure your balance is paid off within the promotional period, you won’t have any interest charges to worry about.
  • GO Rewards. When you use your MasterCard to make everyday purchases, you will earn rewards points for every dollar you spend. The earn rate on this card is 1 GO Rewards Point for every $1 spent. You can redeem your points for a range of gifts and services via the GO MasterCard Online Service Centre. There’s a lot of variety, with over 5,000 gifts, tickets and gift cards to choose from.
  • Price Protection. If you make a purchase with your GO MasterCard and the price drops within six months, you can be reimbursed the difference.
  • Merchandise Protection. If anything you purchase on your card is lost, stolen or damaged within six months of purchase the repair and replacement costs will be covered.
  • Stolen Card Protection. If your card is stolen, you’ll have $200 put into your account for the inconvenience.
  • Repayment Cover. Can’t return to work due to sickness or injury? 10% of your monthly closing balance will be covered for up to three years or until you return to work.
  • Life and Critical Illness Cover. Your credit card balance up to $20,000 will be paid for if you were to become critically ill, disabled or pass away.

Features of the Latitude GO MasterCard

  • Interest rate on purchases. When you make purchases on your card, excluding those that are under a 0% interest plan, you’ll be charged a rate of 22.74% p.a.
  • Cash advance rate. When you use your card to withdraw cash from an ATM, you’ll be charged a rate of 29.49% p.a.
  • Account servicing fee. If you carry a balance of more than $10, you will be charged a monthly account servicing fee of $4.95.
  • Establishment fee. When you open you credit card account you’ll be charged a one-off fee of $25.
  • Interest-free days. When you pay your balance in full, not including balances part of the 0% payment plans, you can enjoy a generous up to 62 days interest free.
  • Card security. This card comes with an embedded microchip that offers greater protection against fraud when compared to cards that rely on magnetic strips. Falcon monitoring keeps an eye out for suspicious transactions, and MasterCard SecureCode provides additional security in the online marketplace.
  • MasterCard PayPass. Thanks to this technology, you can use this card to make contactless payments of less than $100.

How to apply for the Latitude GO MasterCard

You can apply for the Latitude GO MasterCard online but bear in mind you have to meet the following eligibility criteria to apply.

Eligibility criteria

  • You’re at least 18 years of age
  • You’re a permanent Australian resident
  • You don’t have bad credit history

Required documents

  • Details from your Australian driver’s license, passport, or proof of age card
  • Your employer’s name and contact details
  • Your income details
  • Details of your existing debts

Frequently asked questions

How soon can I receive my card if Latitude Financial Services approves my application?

If your application is accepted, you can expect to receive your card between five to 10 working days.

How do I activate my card?

You can call Latitude Financial Services’ Customer Solutions on 1300 462 273 to activate your card.

Can I choose to make a payment towards a particular 0% Interest Payment Plan purchase?

No, you cannot. Latitude Financial Services uses your repayments to pay off purchases due to expire first.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

30 Responses to Latitude Go MasterCard – Rates and Fees

  1. Default Gravatar
    CB | March 12, 2016

    I have just been sent a go MasterCard platinum to replace my green go MasterCard? It isn’t due to expire and I’ve not requested a new card … Any idea why I’ve been sent this and us there any benefit to changing over? Seems very strange to me!

    • Staff
      Ysa | March 13, 2016

      Hi CB,

      Thanks for your question.

      Please note that you have come through, an online comparison service and is not directly affiliated with Latitude Financial Services.

      As such, we are unable to confirm this information since Latitude Financial Services has not yet listed the GO MasterCard Platinum on their official website. Anyhow, these are the only Latitude Financial Services credit cards we are currently featuring on our sites.

      You might need to get in touch with Latitude Financial Services for direct assistance regarding this matter.


  2. Default Gravatar
    Nessa | February 26, 2016

    Hi i received a free upgrade to a GO platinum mastercard. I am curious as to what my limit can go up to? Also is there a link to a page like this one but for the platinum cards??

    • Staff
      Sally | February 26, 2016

      Hi Nessa,

      Thanks for your question.

      Just to confirm, are you referring to the 28 Degrees Platinum MasterCard? If so, you can see the review page here. Latitude Financial Services doesn’t offer a standard maximum credit limit, instead this will be based on your credit history and ability to repay. You’ll need to contact Latitude Financial Services directly to confirm what your maximum credit limit is.

      I hope this has helped.



  3. Default Gravatar
    Manorika | February 14, 2016

    Hi, i have 2000 credit limit and bought a 1700 worth goods .i pay it by installment.
    I want to buy furnitures that worth of 2500 dollars. Should I increase my credit limit?
    How i do it?

    • Staff
      Jonathan | February 15, 2016

      Hi Manorika, thanks for your inquiry!

      You can request to increase your credit limit by contacting Latitude Financial Services directly on 1300 882 289. Unfortunately we are unable to directly advise on your financial situation as we are a lender, so it would be best to seek professional advice on your best options.



  4. Default Gravatar
    Rs | February 11, 2016

    What is the difference between platinum and normal mastercard?

    • Staff
      Ally | February 11, 2016

      Hi Rs,

      Thanks for your inquiry.

      By ‘normal’, do you mean ‘classic’?

      If so, the difference between the two is that the Platinum card usually has more benefits and features such as a higher credit limit, an extended warranty, a concierge service and complimentary travel insurance. However, the annual fee and minimum income requirement is also usually higher, depending on which card you’re looking into.

      To serve as your guide, you may read through our ‘What is a Platinum Credit Card’ page here. You might also want to see the different Platinum credit card options which you can compare on this page.

      I hope this has helped.


  5. Default Gravatar
    Sarah | January 13, 2016

    Can I get a go mastercard on a parenting payment from centerlink.

    • Staff
      Sally | January 13, 2016

      Hi Sarah,

      Thanks for your question.

      The Latitude Go MasterCard doesn’t list a required minimum income, but you are required to provide details of your income when you apply.

      Whether you receive your income from government support payments or a full-time job, your application will be reviewed based on your ability to repay (including your income and financial history).

      You may like to contact Latitude Financial Services directly on 1300 462 273 to discuss your likelihood of acceptance before applying as rejected applications can have a negative impact on your credit file.

      I hope this has helped.



  6. Default Gravatar
    Sally | January 6, 2016

    Hi I just want to know if we can use the go MasterCard to book accommodation and car hire ? Also can we reduce the limit on our MasterCard that we have had for 3years

    • Staff
      Sally | January 7, 2016

      Hello Sally,

      Thanks for your question. Yes, you should have no issue using your Latitude Go MasterCard to book accommodation and car rentals.

      You can request a credit limit decrease by contacting Latitude Financial Services’ customer service team on 1300 882 289. Make sure to have your account details handy before you make the call.

      I hope this has helped.



  7. Default Gravatar
    brittany | January 6, 2016

    my partner and i are trying to re-consolidate, when my daughter was born we went though a rough patch. Can we still be eligible for a small credit card. We already tried the load and didn’t get excepted.

    • Staff
      Sally | January 6, 2016

      Hi Brittany,

      Thanks for your question and we’re sorry to hear about your predicament.

      Unfortunately, as a financial comparison service and without knowing your financial history, it’s difficult to confirm whether you’ll be accepted for a credit card.

      However, a good place to start is to compare low interest credit cards. These generally have lower eligibility requirements, though you’ll still need to make sure you meet these before applying. Please note that multiple rejected applications will have a negative impact on your credit file, so you should confirm that you meet the eligibility requirements with the provider before applying. Also, avoid applying for several credit cards within a short period of time, as this will also have a negative impact on your credit file.

      Please see our guide on improving your credit file for further tips.

      You can also compare debt consolidation options for applicants with bad credit here.

      I hope this has helped.



  8. Default Gravatar
    Norm | November 4, 2015

    How is interest calculated and apportioned when there are multiple purchases with different 0% interest free periods (e.g. 36 months and 50 months)on the card at one time?

    • Staff
      Jonathan | November 5, 2015

      Hi Norm, thanks for your inquiry!

      If you have specific purchase promotions the 0% interest-free periods will run concurrently at the same time and expire when the stated promotion period has ended.



  9. Default Gravatar
    Heather | August 27, 2015

    I need help with credit as need $5000 for car and have bad credit that has been discharged but still there on records is there a finance to help

    • Staff
      Jonathan | August 27, 2015

      Hi Heather, thanks for your inquiry!

      Please refer to the following link for repairing your credit file.



  10. Default Gravatar
    Heather | August 27, 2015

    I need finance for a car and have discharged bankrupt hanging over me, is there a line of credit I can apply for that is unsecured….need car for work.

    • Staff
      Jonathan | August 27, 2015

      Hi Heather, thanks for your inquiry!

      For unsecured loans and personal loan options please refer to this page.



Credit Cards Comparison

Rates last updated September 27th, 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
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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

* 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.

Ask a question