Not sure whether to choose a credit card or a buy now pay later service? With the Latitude GO Mastercard, you can have both. This card comes with a rewards program where you can snag 1 point per $1 spent on eligible purchases, as well as up to 55 interest free days on everyday transactions. But there’s more! You can also buy now pay later using this card, with the range of interest free payment plans on offer when you shop at any of Latitude’s partner retailers.
If you want a credit card that offers a rewards program, 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 22.74% purchase rate (25.90% cash advance rate) there's no annual fee to worry about. However, a $8.95/month account servicing fee is charged if your outstanding balance is more than $10.
The go Mastercard is also packed full of features including a killer rewards program, where you can earn 1 point on every $1 spent on eligible transactions and up to 55 interest-free days on everyday purchases.
And if those perks aren’t enough, the Latitude GO Mastercard 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’s ideal for customers that shop at any of Latitude’s partner retailers and are looking to combine a rewards 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 $30 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 are after a card suited for travelling the Latitude 28 Degrees Global Platinum Mastercard may be a better option for you.
Fly Sydney to London return
-
Fly Sydney to Melbourne one-way
-
$100 Giftcard
20,000 points
$100 Cash
-
1 point per dollar on Mastercard, up to 100000 points per year
Spend $20,000 (Mastercard)
at 100,000 points yearly
36 months
How do we calculate these points?
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.
19.95% p.a.
none
No current offer
none
25.90% p.a.
55
$107.40
none
none
none
$30.00
3%, Min $3
3.00%
$0.00
$0.00
$0.00
$25.00
3.0
9
$8.95 account servicing fee is charged when outstanding balance is more than $10, shown as $107.4 annual fee.
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Signed up to Latitude through Harvey Norman. Easy experience and had no issues to begin with. Had 60 month interest free card, paying a monthly fee for the card. Then my monthly fee was increased 50%. I contacted customer service to ask how they justify a 50% increase in fees, their only response was "we told you by email so it's fine". I replied that there is no way to justify a 50% increase in fee, to which they responded "our product justifies the price". Nothing justifies a 50% increase in fees. Do not under any circumstance use this institution, completely unethical business practices
Read full reviewSigned up to Latitude through Harvey Norman. Easy experience and had no issues to begin with. Had 60 month interest free card, paying a monthly fee for the card. Then my monthly fee was increased 50%. I contacted customer service to ask how they justify a 50% increase in fees, their only response was "we told you by email so it's fine". I replied that there is no way to justify a 50% increase in fee, to which they responded "our product justifies the price". Nothing justifies a 50% increase in fees. Do not under any circumstance use this institution, completely unethical business practices
I have just one recommendation for anyone looking at this credit card. Just don’t do it. Exorbitant fees non existent customer service and rude people if you can even get to speak to one. Also liars who promise closing letters and statements that never appear. They need reporting to the ombudsman for fraudulent behaviour in relation to the false fees and charges and costs associated with their poor service. If we all report them maybe they will improve or more hopefully disappear altogether.
Read full reviewI have just one recommendation for anyone looking at this credit card. Just don’t do it. Exorbitant fees non existent customer service and rude people if you can even get to speak to one. Also liars who promise closing letters and statements that never appear. They need reporting to the ombudsman for fraudulent behaviour in relation to the false fees and charges and costs associated with their poor service. If we all report them maybe they will improve or more hopefully disappear altogether.
I simply dislike Latitude gomaster card and will not recommend this to someone who wants to use this as an option to take advantage of no interest option. First I set BPay option to pay more frequently only to realise each time a payment is made you get get charged a payment processing fee on top of the standard account keeping monthly fee of $5.95! Also I just noticed in my online statement the account keeping fee of $5.95 will be increased to $8.95 each month as of April 2021 which is a whopping 50% increase! So this isn't really for those who wants to capitalise on no interest option as you end up paying at least $10 each month on fees regardless.
Read full reviewI simply dislike Latitude gomaster card and will not recommend this to someone who wants to use this as an option to take advantage of no interest option. First I set BPay option to pay more frequently only to realise each time a payment is made you get get charged a payment processing fee on top of the standard account keeping monthly fee of $5.95! Also I just noticed in my online statement the account keeping fee of $5.95 will be increased to $8.95 each month as of April 2021 which is a whopping 50% increase! So this isn't really for those who wants to capitalise on no interest option as you end up paying at least $10 each month on fees regardless.
Besides the fee for every repayment made what really annoyed me was the 4 requests I made to reduce my credit limit from $18,000 to $5000, none of which were ever processed which does affect other loans. I would really not recommend this product as it is useless to alter any features on it let alone trying to close the account. Save your time and just save your own money for a purchase.
Read full reviewBesides the fee for every repayment made what really annoyed me was the 4 requests I made to reduce my credit limit from $18,000 to $5000, none of which were ever processed which does affect other loans. I would really not recommend this product as it is useless to alter any features on it let alone trying to close the account. Save your time and just save your own money for a purchase.
Awful bank. Terrible interest rates, horrendous late fees and useless and rude customer service. I highly recommend that anyone stay clear of this financial institution, they are swindlers, will coax you into feeling safe and that they will help, but really they do not care in the slightest. I look forward to the day I have paid them off and closed my account.
Read full reviewAwful bank. Terrible interest rates, horrendous late fees and useless and rude customer service. I highly recommend that anyone stay clear of this financial institution, they are swindlers, will coax you into feeling safe and that they will help, but really they do not care in the slightest. I look forward to the day I have paid them off and closed my account.
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.
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St.George
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0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
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0% p.a. for 15 months and then 9.90% p.a.
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13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 6 months and then 22.24% p.a.
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3.99% p.a. for 6 months and then 8.99% p.a.
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16.99% p.a.
No current offer
$209 Annual fee may vary.
