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Latitude GO Mastercard

Purchase rate
22.74% p.a.
Balance transfer rate
No current offer
Annual fees
$71
Interest free days on purchases
55

Mozo editorial review Latitude GO Mastercard

Last updated: 10 June 2020.

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What's hot
  • 1 rewards point per $1 spent on eligible purchases
  • Interest free payment plans available (conditions apply)
  • 55 interest free days for everyday purchases
What's not
  • 22.74% purchase rate (25.90% cash advance rate)
Mozo snapshot

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 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.

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Key features

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), it only has a $71.40 annual fee, plus has a range of bonus features. These include 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.

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Who is it good for

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.

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Any catches

While the Latitude GO Mastercard comes with a bunch of perks, there are some fees to be mindful of. These include $25 one-off establishment fee, $5.95 account servicing fee, 3.00% cash advance 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.

Rewards program details

Rates and fees information correct as at 10 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$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

Spend $13,130 (Mastercard)

at 100,000 points yearly

36 months

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.

Close

Rate and fee details

Rates
  • 22.74% p.a.

  • none

  • No current offer

  • none

  • 25.90% p.a.

  • 55

Fees
  • $71.40

  • none

  • none

  • none

  • $30.00

  • 3%, Min $3

  • 3.00%

  • $2.50

  • $10.00

  • $0.00

Features
  • $25.00

  • 3.0

  • 9

  • $25 one-off establishment fee applies. $5.95 account servicing fee.

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
Price
3.8/10
Features
4.5/10
Customer service
5.0/10
Convenience
5.1/10
Trust
4.7/10

Latest reviews of Latitude GO Mastercard

  • Overall 3/10
    Don't rely on credit.

    Just the overall fees are excessive.

    Read full review

    Just the overall fees are excessive.

    Price
    4/10
    Features
    4/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    5/10
    Less
    Brad, Victoria reviewed 17 days ago
  • Overall 0/10
    Not happy.

    I paid the card out and still get hit with fees.

    Read full review

    I paid the card out and still get hit with fees.

    Price
    3/10
    Features
    3/10
    Customer service
    3/10
    Convenience
    3/10
    Trust
    0/10
    Less
    Kaylene, New South Wales reviewed 18 days ago
  • Overall 0/10
    Appalling customer service.

    I hate this company. I have tried 4 times to contact by phone to ascertain why I was charged a late fee when my payment was paid the day before due date. I received a recording that says that there is a 2 hour wait and when I did get through after 2 hours was told to phone Latitude. After 2 weeks of trying to phone and the phone cuts out I have sent 3 complaint forms with no response. There is no email address to write to, just a phone number that doesn't answer. How do I fix my problem. Will never deal with them again. Their customer service is non-existent.

    Read full review

    I hate this company. I have tried 4 times to contact by phone to ascertain why I was charged a late fee when my payment was paid the day before due date. I received a recording that says that there is a 2 hour wait and when I did get through after 2 hours was told to phone Latitude. After 2 weeks of trying to phone and the phone cuts out I have sent 3 complaint forms with no response. There is no email address to write to, just a phone number that doesn't answer. How do I fix my problem. Will never deal with them again. Their customer service is non-existent.

    Price
    0/10
    Features
    0/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10
    Less
    Kay, South Australia reviewed 18 days ago
  • Overall 9/10
    Great customer service.

    This product has an excellent interest free option which is easy to manage. You can also phone them and allocate what purchases you would like your money to go towards.

    Read full review

    This product has an excellent interest free option which is easy to manage. You can also phone them and allocate what purchases you would like your money to go towards.

    Price
    -1/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    10/10
    Less
    Barbara, New South Wales reviewed 7 months ago
  • Overall 7/10
    Good everyday expense credit card

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

    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 about 4 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.

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