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 $5.95/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. These include a $25 one-off establishment fee and 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.
22.74% p.a.
none
No current offer
none
25.90% p.a.
55
$71.40
none
none
none
$30.00
3%, Min $3
3.00%
$0.00
$0.00
$0.00
$25.00
3.0
9
$25 one-off establishment fee applies. $5.95 account servicing fee is charged when outstanding balance is more than $10, shown as $71.40 annual fee.
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Could not be more disappointed with the service provided. Due to a typo on my application I've been told every day it would take 24 hours to fix. I've been waiting 6 days. Six calls, six "wait 24 hours".
Read full reviewCould not be more disappointed with the service provided. Due to a typo on my application I've been told every day it would take 24 hours to fix. I've been waiting 6 days. Six calls, six "wait 24 hours".
Customer service is appalling. Trying to close my account and they are making it extremely difficult and I wasn’t advised upfront about the fees.
Read full reviewCustomer service is appalling. Trying to close my account and they are making it extremely difficult and I wasn’t advised upfront about the fees.
Store card that's set up to be used as a normal credit card with a high interest rate. Perfect for its intended purpose of interest free promotions from retail stores, however using it as a credit card is just a money pit.
Read full reviewStore card that's set up to be used as a normal credit card with a high interest rate. Perfect for its intended purpose of interest free promotions from retail stores, however using it as a credit card is just a money pit.
The credit card Latitude had one of the high interest rates around. To make a bpay payment on your own card they charge you a fee. They have the worst bunch of dishonest and untrained unprofessional foreign customer service team I have dealt with. I put in a complaint form and that does not even get read or escalated. When I finally get through to CS they say well what do you want us to do about the complaint of giving false names and dishonesty!
Read full reviewThe credit card Latitude had one of the high interest rates around. To make a bpay payment on your own card they charge you a fee. They have the worst bunch of dishonest and untrained unprofessional foreign customer service team I have dealt with. I put in a complaint form and that does not even get read or escalated. When I finally get through to CS they say well what do you want us to do about the complaint of giving false names and dishonesty!
The interest rates are too high. I was getting lots of calls regarding changing to another product/loan. Despite excellent credit, these enquiries drop your rating and they wouldn't accept an application as I am on a pension. I had told them I wouldn't get accepted but they persisted. Naively I said yes. Now I regret it. Paying it off and cancelling it soon.
Read full reviewThe interest rates are too high. I was getting lots of calls regarding changing to another product/loan. Despite excellent credit, these enquiries drop your rating and they wouldn't accept an application as I am on a pension. I had told them I wouldn't get accepted but they persisted. Naively I said yes. Now I regret it. Paying it off and cancelling it soon.
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.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
Qantas Money
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)
$299 $199 in the first year
Qantas Frequent Flyer
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Money
Qantas Premier Platinum
Qantas Frequent Flyer
$299 $199 in the first year
100,000
1 point up to $10,000/month, then
0.5 points uncapped
Bankwest
Qantas Platinum Mastercard
Qantas Frequent Flyer
$160
30,000
0.75 points up to $2,500/month, then
0.3 points uncapped
St.George
Amplify Platinum
Qantas Frequent Flyer
$99
70,000
0.5 points uncapped
Citi
Rewards - e-voucher Offer
Citi Rewards Program
$199 $99 in the first year
No current offer
1 point up to $10,000/month
Bank of Melbourne
Amplify Platinum
Amplify Rewards
$99 $0 in the first year
No current offer
1 point uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
St.George
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Westpac
Low Rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
CUA
Low Rate Credit Card
0% p.a. for 20 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
ANZ
First
0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)
20.24% p.a.
$30
Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$299 $199 in the first year
Qantas Frequent Flyer
Citi
Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
0.90% p.a. for 15 months then 14.99% p.a.
$99
Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Bank of Melbourne
Vertigo Platinum
12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months and then 20.99% p.a.
$129 $64 in the first year
Qantas Money
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)
$299 $199 in the first year
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
