Balance Transfer Rate
Max Free Days
- No Annual Fee
- Free supplementary cards
- Purchase protection insurance
- Price guarantee
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
No set max
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
3% on Mastercard
Estimated ATM Cost
|1 point for $1 spent||Mastercard||Up to $100k annually||eligible transactions|
- FREE SUPPLEMENTARY CARDS
- PURCHASE PROTECTION INSURANCE Cover lasts for 365 days per year
- PRICE GUARANTEE
Latitude GO Mastercard® lets you buy now and pay later with a range of Interest Free Payment Plans when you shop with partner retailers, including Harvey Norman, Domayne, Joyce Mayne and thousands of other great stores. It also offers GO Reward points per $1 spent on eligible purchases and up to 55 days Interest Free on your everyday purchases.
Compare and review credit cards with similar features
Latitude Financial Services (also known as Latitude) is a financial services company based in Australia and New Zealand, with their Australian headquarters in Melbourne. As of 2018, Latitude had around a 6 per cent share of Australia’s personal lending market. This made it the biggest non-bank lender of consumer credit in Australia.
Latitude has over 2.5 million customers through its credit cards, car loans, personal loans, home loans and consumer credit insurance. It also offers a buy-now-pay-later service, called LatitudePay.
Latitude is a common fixture amongst many Australian retailers, such as Harvey Norman and JB HiFi. Its cards can be used to obtain interest-free financing over a number of months.
The Latitude GO Mastercard ® features a high interest rate, a high number of interest-free days and a low annual fee. It also has a low minimum credit limit.
This card is attached to the Latitude GO Mastercard ® Rewards program, which means cardholders can earn points for spending on eligible purchases. Earned points can then be redeemed for gifts such as homewares and appliances from various retailers.
Customers can also take advantage of 12-, 18- and 24-month interest-free payment plans from a range of retailers.
Various insurance policies are available with this card for a monthly premium.
There is no balance transfer offer associated with this card. Up to nine supplementary cards are allowed at no extra cost.
If you set up your Latitude GO Mastercard ® with Apple Pay, you can leave your card at home and use your iPhone or Apple Watch to pay for purchases while you are out.
- Low annual fee
- High interest-free period
- Nine free additional cardholders
- High interest rate
- Late payment fee charged
- No complimentary insurance
Who is it good for?
This card is good for people who want the ability to earn rewards for spending and don’t have trouble paying off their balance each month. It would also be suitable for those who need to make a sizeable purchase but want to delay payment for a period of time (thanks to the associated interest-free payment plans).
This card is also good for families and other shared cardholders as it offers a generous nine additional cardholders at no added cost.
The Latitude GO Mastercard ® doesn’t offer much to those with existing credit card debt, as balance transfers are subject to the card’s cash advance rate from day one.
Additionally, it’s not a great choice for frequent travellers or frequent flyer members as it isn’t associated with a frequent flyer rewards program and high fees are charged for international spending.
What RateCity says
The Latitude GO Mastercard ® offers some advantages for potential cardholders who prefer to earn rewards such as merchandise rather than frequent flyer points. The interest-free payment plans are also nice to have for those who aren’t able to pay for a purchase outright but want to delay having to pay interest.
However, despite the high interest rate – which is fairly typical for a rewards card – this card doesn’t have many additional benefits such as complimentary insurance. The rewards program is also limited to certain retailers, so it doesn’t offer a great deal of diversity.
So if your main motivation for choosing a credit card is the chance to earn rewards, you may be better off shopping around to find one that has a more versatile program. And if you’re on a tight budget, you’d also probably benefit more from a card with a lower interest rate.
To be eligible for the Latitude GO Mastercard ® you must be at least 18 years old and a permanent resident of Australia. You must also meet the lender’s serviceability criteria. To apply, you will need to provide proof of ID (such as a driver’s licence or passport), details of your income, assets and liabilities, and your employer’s name and contact number. Applications can be completed online at the Latitude website.
Latitude (formerly known as GE Capital Finance) is an independent financial services provider based in Australia and New Zealand. They offer customers products such as sales finance, credit cards, personal loans, car loans and consumer credit insurance. Latitude GO Mastercard ® customers can manage their account online at the Latitude GO Mastercard ® website and via the Latitude GO Mastercard ® app, or get support by calling the lender’s phone support line or Global Mastercard Services.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.