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 27.99% 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 $45 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.
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27.99% p.a. |
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none |
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6.99% p.a. for 12 months and then 29.99% p.a. (3.00% balance transfer fee) |
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yes |
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29.99% p.a. |
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55 |
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$131.40 |
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none |
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none |
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none |
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$45.00 |
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3%, Min $3 |
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3.00% |
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$0.00 |
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$0.00 |
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$0.00 |
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$25.00 |
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3.00% |
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9 |
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$10.95 account servicing fee is charged when outstanding balance is more than $10, shown as $131.4 annual fee. |
Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay
If you get this credit card you will die a death by a thousand fees. I have attempted to close my account for the past 3 months. Each time I pay the balance to zero, I have put in an application to close the account and then been told they can’t close it because there is money outstanding. Basically, if you pay your balance down they will slap on more fees, making it pretty much impossible to actually get your account to zero. Even after submitting the close account application they slapped me with account keeping fees for the time period after the application was made. They will charge you $5 for a paper statement but not give you the choice to not have one. They charge you a fee to make a payment, meaning every time you pay your card down, they just add a payment processing fee. They charged me a $45 late fee because they didn’t process my payment until after the payment due date. In the past 3 months I have been slapped with over $100 in fees, despite not purchasing anything on the card in this period, despite me paying the balance in full every month, and despite me trying to close the account.
Read full reviewIf you get this credit card you will die a death by a thousand fees. I have attempted to close my account for the past 3 months. Each time I pay the balance to zero, I have put in an application to close the account and then been told they can’t close it because there is money outstanding. Basically, if you pay your balance down they will slap on more fees, making it pretty much impossible to actually get your account to zero. Even after submitting the close account application they slapped me with account keeping fees for the time period after the application was made. They will charge you $5 for a paper statement but not give you the choice to not have one. They charge you a fee to make a payment, meaning every time you pay your card down, they just add a payment processing fee. They charged me a $45 late fee because they didn’t process my payment until after the payment due date. In the past 3 months I have been slapped with over $100 in fees, despite not purchasing anything on the card in this period, despite me paying the balance in full every month, and despite me trying to close the account.
Very high interest, interest free periods are good though
Read full reviewVery high interest, interest free periods are good though
Easy application process and fast approval. Problem is I've constantly got transactions that are getting marked as suspicious and getting declined. Same with withdrawing a cash advance. After speaking with support twice the cash advance withdrawal issue still hasn't been fixed, ill attempt it again in an hour.
Read full reviewEasy application process and fast approval. Problem is I've constantly got transactions that are getting marked as suspicious and getting declined. Same with withdrawing a cash advance. After speaking with support twice the cash advance withdrawal issue still hasn't been fixed, ill attempt it again in an hour.
WILL NEVER USE OR RECOMMEND EVER AGAIN. GO MASTERCARD approval process is POOR and stress full. I have been going back and forth with my accountant trying to get an acceptable accountant letter . They don’t proved the full information on the site or application with what details are needed, if you call them you can barely make out what they are saying. I have asked during my last 3 phone calls what details are needed and everytime they have left out something. My current application has cost me $464 in accounting bills and the application has been pending approval for 4 weeks now. I was approved in 2021 as an unemployed single parent for $6000 in 10 minutes, paid off no dramas. Applying this time with a taxable income has been painful
Read full reviewWILL NEVER USE OR RECOMMEND EVER AGAIN. GO MASTERCARD approval process is POOR and stress full. I have been going back and forth with my accountant trying to get an acceptable accountant letter . They don’t proved the full information on the site or application with what details are needed, if you call them you can barely make out what they are saying. I have asked during my last 3 phone calls what details are needed and everytime they have left out something. My current application has cost me $464 in accounting bills and the application has been pending approval for 4 weeks now. I was approved in 2021 as an unemployed single parent for $6000 in 10 minutes, paid off no dramas. Applying this time with a taxable income has been painful
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
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
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Citi Rewards Program
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Clear Credit Card - BT Offer
14.99% p.a.
0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)
$99 $49 in the first year
Essential® Rewards Credit Card
23.99% p.a.
No current offer
$108
Membership Rewards
Rewards Credit Card
21.49% p.a.
No current offer
$199 $99 in the first year
Citi Rewards Program
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Qantas Ultimate Card
Qantas Frequent Flyer
$450
50,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
30,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$295 $195 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
180,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Plus Card
Velocity Frequent Flyer
$95
No current offer
1 point up to 120,000 points/year, then
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$420 $320 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
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
Clear Credit Card
0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
14.99% p.a.
$99
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
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
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
Clear Credit Card
14.99% p.a.
0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
$99
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 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
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Clear Credit Card - BT Offer
14.99% p.a.
0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)
$99 $49 in the first year
Clear Credit Card
14.99% p.a.
0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
$99