Latitude

Latitude GO Mastercard

Purchase rate

22.74% p.a.

Balance transfer rate

No current offer

Annual fee

$71

Rewards program

GO Rewards

Latitude GO Mastercard

Purchase rate

22.74% p.a.

Balance transfer rate

No current offer

Annual fee

$71

Rewards program

GO Rewards

Details

Details

Rewards program details

Rates and fees information correct as at 16 October 2018.

What your points get you

Fly Sydney to London

Fly Sydney to Melbourne

$100 Giftcard

13,130 points

$100 Cash

Points earning

1 point per dollar on Mastercard, up to 100000 points per year

Rewards scheme

Value of rewards points

Earn $100 gift card reward

Spend $13,130 (Mastercard)

Are points capped?

at 100,000 points yearly

Do points expire?

36 months

How do we calculate these points?

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.

More details:

Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rate and fee details

Rates

Purchase rate

22.74% p.a.
Intro purchase rate

none
Balance transfer rate

No current offer
Balance transfer revert to cash

none
Cash advance rate

29.49% p.a.
Interest free days

55

Fees

Annual card fee

$71.40
Introductory annual fee

none
Annual fee spend threshold

none
Reward program fee

none
Late payment fee

$30.00
Cash advance fee

3%, Min $3
Foreign exchange margin

3.00%
Duplicate statement fee

$2.50
Transaction verification fee

$10.00
Additional card fee

$0.00

Features

Minimum repayment amount

$25.00
Minimum repayment percent

3.0
Additional cardholders

9
Other restrictions

$25 one-off establishment fee applies. $5.95 account servicing fee. Shoppers Protection Insurance is an optional insurance cover for 1% of monthly closing balance (max $50 a month), including Price, Merchandise, Stolen Card and Balance Protection.

Payment options

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Customer Reviews

How are Latitude credit cards rated by the Mozo community?

Overall customer rating

4.7/10

Based on 590 Latitude credit card reviews

Price

3.8/10

Features

4.5/10

Customer service

5.1/10

Convenience

5.1/10

Trust

4.7/10

Latest reviews of Latitude GO Mastercard

Overall

7/10

Good everyday expense credit card

Good promotions with big brands such as Harvey Norman. Fees are reasonable and have 3 months...

Read full review

Good promotions with big brands such as Harvey Norman. Fees are reasonable and have 3 months Intrest free on all purchases.

Price

7/10

Features

7/10

Customer service

5/10

Convenience

6/10

Trust

7/10

Less

Guy | New South Wales

reviewed over 2 years ago
Overall

10/10

Great interest rates and easy to use

I love my Go MasterCard, it easy to access and use. The interest rates are fair and you regularly...

Read full review

I love my Go MasterCard, it easy to access and use. The interest rates are fair and you regularly get offers for increases.

Price

10/10

Features

8/10

Customer service

5/10

Convenience

9/10

Trust

6/10

Less

Cheyenne | New South Wales

reviewed over 2 years ago
Overall

3/10

Nope

Not straight forward or thorough. When asked on telephone how it works and extra costs provided...

Read full review

Not straight forward or thorough. When asked on telephone how it works and extra costs provided false information. To be charged an initial fee on withdrawal and $2.50 per day interest is not ok

Price

5/10

Features

5/10

Customer service

3/10

Convenience

5/10

Trust

3/10

Less

Lilit | New South Wales

reviewed over 2 years ago
Overall

1/10

Worse than average

They are unbending and expensive

Read full review

They are unbending and expensive

Price

2/10

Features

3/10

Customer service

4/10

Convenience

2/10

Trust

1/10

Less

Gayell | Victoria

reviewed over 2 years ago
Overall

6/10

Make regular payments while on interest free

Easy to obtain not easy to off once interest free period is over

Read full review

Easy to obtain not easy to off once interest free period is over

Price

5/10

Features

5/10

Customer service

8/10

Convenience

4/10

Trust

7/10

Less

Kaye | Queensland

reviewed almost 3 years ago

Latitude

About Latitude

Latitude positions itself as an alternative to the "Big 4" banks in Australia and offer banking products and services with a focus on convenience and customer service. Latitude provides personal insurance and loans, financing options and credit cards.

See Latitude credit cards

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Everyday Platinum Credit Card

balance transfer rate

0% p.a. for 14 months and then 21.99% p.a.

purchase rate

19.99% p.a.

annual fee

$49 $0 in the first year

Latitude GO Mastercard

Rewards program details

What your points get you

Points earning

Rewards scheme

Value of rewards points

How do we calculate the rewards?

Rate and fee details

Rates

Fees

Features

Payment options

Customer Reviews

How are Latitude credit cards rated by the Mozo community?

Overall customer rating

Latest reviews of Latitude GO Mastercard

Good everyday expense credit card

Great interest rates and easy to use

Nope

Worse than average

Make regular payments while on interest free

About Latitude