Not sure whether to choose a credit card or a buy now pay later service? With the Latitude GO Mastercard, you can have both. What's great about this card is that it lets you buy now pay later, with a range of interest free payment plans on offer when you shop at any of Latitude’s partner retailers. Plus, it also comes with up to 55 interest free days on everyday transactions.
If you want a credit card that offers interest-free days and the option to buy now pay later, look no further than the Latitude GO Mastercard.
While the card comes with a hefty 27.49% p.a. purchase rate (29.99% p.a. cash advance rate) there's no annual fee to worry about. However, a $9.95/month account servicing fee is charged if your outstanding balance is more than $10.
The GO Mastercard comes with up to 55 interest-free days on everyday purchases. Plus, it has a range of killer buy now pay later options when you shop with any of their thousands of partner retailers, including Harvey Norman, Domayne and Joyce Mayne.
Three main plans are available:
Interest Free: You must make a minimum payment each month, but you can also make extra contributions when you want to. (Plans start from 6 months)
Buy Now, Pay Later: You don’t need to pay at all during the plan period and can pay in a lump sum at the end if you want to. Or you can make any extra payments you want up until then. (Plans start from 3 months)
Instalment Interest Free: You pay equally monthly repayments each month in instalments without extra repayments. (Plans vary and are only available during specific promotional periods).
And if you’re all about digital wallets, you may be pleased to hear that the Latitude GO Mastercard is available on Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
This card could be a good option for someone looking to save on interest repayments. It could also be handy for customers that shop at any of Latitude’s partner retailers and are looking to combine a credit card with a buy now pay later service.
While the Latitude GO Mastercard comes with a bunch of perks, there are some fees to be mindful of. This includes a $35 late payment fee if you miss a minimum repayment.
There is also a foreign exchange fee of 3.00% when you use the card overseas, so if you're after a card suited for travelling the Latitude 28 Degrees Global Platinum Mastercard may be a better option for you.
27.49% p.a. |
|
none |
|
No current offer |
|
none |
|
29.99% p.a. |
|
55 |
$119.40 |
|
none |
|
none |
|
none |
|
$35.00 |
|
3%, Min $3 |
|
3.00% |
|
$0.00 |
|
$0.00 |
|
$0.00 |
$25.00 |
|
3.0 |
|
9 |
|
$9.95 account servicing fee is charged when outstanding balance is more than $10, shown as $119.4 annual fee. |
Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay
SIX CALLS TODAY, WASTED 5AND HALF HOURS , NOT TO MENTION A SICK BABY ASWELL GREAT I have never experienced such horrible customer service then I have with Latitude. It took me 4 calls to get through not to mention been advised the wrong process. I was advised in the first point of call the rep advised to get husband to send an email added authority. The rep don't even know there is no customer email!! The call I had was place on hold 6 times ! Then I made a second call this time I was told no email, have to submit the form online then call back, so I got my husband to do then I called to follow up, the Third call rep answers then say no no no your husband has to call ( me arguing with them say why didn't you tell me that before) 4th call my husband attempted to call through back after waiting nearly an 1 he had to go back to work after already losing an hour worth of work. 5th call - so I made the 5th call out conference my husband to do it that way, the rep hung up 6th call - I got through to a rep who then advised conference calls are not accepted must only be the account. SERIOUSLY I WASTED HALF THE DAY! WHEN AT FIRST POINT OF CALL IT THE REPRESENTATIVE should OF ADVISED THIS! THIS MOST DEFINITELY COULD OF BEEN RESOLVE IN ON CALL! THIS COMPANY NOT WORTH A STAR
Read full reviewSIX CALLS TODAY, WASTED 5AND HALF HOURS , NOT TO MENTION A SICK BABY ASWELL GREAT I have never experienced such horrible customer service then I have with Latitude. It took me 4 calls to get through not to mention been advised the wrong process. I was advised in the first point of call the rep advised to get husband to send an email added authority. The rep don't even know there is no customer email!! The call I had was place on hold 6 times ! Then I made a second call this time I was told no email, have to submit the form online then call back, so I got my husband to do then I called to follow up, the Third call rep answers then say no no no your husband has to call ( me arguing with them say why didn't you tell me that before) 4th call my husband attempted to call through back after waiting nearly an 1 he had to go back to work after already losing an hour worth of work. 5th call - so I made the 5th call out conference my husband to do it that way, the rep hung up 6th call - I got through to a rep who then advised conference calls are not accepted must only be the account. SERIOUSLY I WASTED HALF THE DAY! WHEN AT FIRST POINT OF CALL IT THE REPRESENTATIVE should OF ADVISED THIS! THIS MOST DEFINITELY COULD OF BEEN RESOLVE IN ON CALL! THIS COMPANY NOT WORTH A STAR
Latitude was helpful, however the sign up process became extremely troublesome. As we were in store and wanted to create the account on the spot to ensure our purchase. However Latitude has been very helpful with my repayments, reminders and time frames. I would recommend Lattitude Pay.
Read full reviewLatitude was helpful, however the sign up process became extremely troublesome. As we were in store and wanted to create the account on the spot to ensure our purchase. However Latitude has been very helpful with my repayments, reminders and time frames. I would recommend Lattitude Pay.
I unfortunately fell victim to a scam in early August 2022. I immediately lodged my dispute and was told it would be refunded within 21 days. I called back on 8 September. After spending 30 minutes on hold I was told that due to a glitch my dispute wasn’t lodged. Another dispute was generated, with a 21 day promise. Today is 4 October. I have made a further two calls to no avail. I lodged an online complaint, and despite providing proof of identity I am being drip fed emails asking how I first joined Latitude, who I work for, etc. These are deliberate delaying tactics. I have no faith that I will be refunded. I intend to pay my card off and close Latitude account. My advice is to avoid at all costs. Customer service is offshore and appalling. Stick with reputable banks
Read full reviewI unfortunately fell victim to a scam in early August 2022. I immediately lodged my dispute and was told it would be refunded within 21 days. I called back on 8 September. After spending 30 minutes on hold I was told that due to a glitch my dispute wasn’t lodged. Another dispute was generated, with a 21 day promise. Today is 4 October. I have made a further two calls to no avail. I lodged an online complaint, and despite providing proof of identity I am being drip fed emails asking how I first joined Latitude, who I work for, etc. These are deliberate delaying tactics. I have no faith that I will be refunded. I intend to pay my card off and close Latitude account. My advice is to avoid at all costs. Customer service is offshore and appalling. Stick with reputable banks
I joined because I wanted to buy products from Apple and have a payment plan. I added my bank details so it can do automatic payments. The first one worked. The second one didn’t work (which is odd because I have more than enough in my bank) they only notified me that it didn’t work after they took out a late payment fee. Customer service is bad. It’s always hard to reach them. No way online to change paper statements to online statements (I save a few dollars every month if it’s online statements only) Disgusting company.
Read full reviewI joined because I wanted to buy products from Apple and have a payment plan. I added my bank details so it can do automatic payments. The first one worked. The second one didn’t work (which is odd because I have more than enough in my bank) they only notified me that it didn’t work after they took out a late payment fee. Customer service is bad. It’s always hard to reach them. No way online to change paper statements to online statements (I save a few dollars every month if it’s online statements only) Disgusting company.
Poor communication and worst customer service they have got. They deduct my money while the transaction was disputed. They took around 3 months to finalise while they say they take 21 days to settle a disputed transaction. It's been more than 1 month now they said they have sent me a new card, but still I have not received it. They reported to me that I have not paid this month's statement while they took the money from my account as a minimum payment. I do not own them a single penny but they do. Still, they have reported me. If the transaction is disputed then there is no way to pay them because we can't sign in to the account until we received the new card. Therefore, why should I pay them if the transaction is disputed, if i want to pay them then how can I do it because I don't have access to the account.
Read full reviewPoor communication and worst customer service they have got. They deduct my money while the transaction was disputed. They took around 3 months to finalise while they say they take 21 days to settle a disputed transaction. It's been more than 1 month now they said they have sent me a new card, but still I have not received it. They reported to me that I have not paid this month's statement while they took the money from my account as a minimum payment. I do not own them a single penny but they do. Still, they have reported me. If the transaction is disputed then there is no way to pay them because we can't sign in to the account until we received the new card. Therefore, why should I pay them if the transaction is disputed, if i want to pay them then how can I do it because I don't have access to the account.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Altitude Black
Altitude Rewards
$295 $150 in the first year
150,000
1.25 points uncapped
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year