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 22.74% p.a. purchase rate (25.90% p.a. 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 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 $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're after a card suited for travelling the Latitude 28 Degrees Global Platinum Mastercard may be a better option for you.
| 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
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.
I strongly recommend avoiding Latitude Financial Go MasterCard at all costs! Their customer service is at best NON EXISTENT, and if you're lucky enough to actually speak with a "customer service representative", after waiting on hold for 40 minutes, they're not helpful AT ALL and have no idea, and no concept of what customer service actually is. I am paying out my account and cancelling their card, it's just not worth the hassle. Please think twice before you apply for one of their products.
Read full reviewI strongly recommend avoiding Latitude Financial Go MasterCard at all costs! Their customer service is at best NON EXISTENT, and if you're lucky enough to actually speak with a "customer service representative", after waiting on hold for 40 minutes, they're not helpful AT ALL and have no idea, and no concept of what customer service actually is. I am paying out my account and cancelling their card, it's just not worth the hassle. Please think twice before you apply for one of their products.
Horrible, terrible customer service. They cannot even do math. If I hadn’t taken notes about my payment allocation, at this stage it would look that I haven’t paid my furniture at all when I actually put $400 already. Spent more than 3 hours at the phone with no success at all. Embarrassing.
Read full reviewHorrible, terrible customer service. They cannot even do math. If I hadn’t taken notes about my payment allocation, at this stage it would look that I haven’t paid my furniture at all when I actually put $400 already. Spent more than 3 hours at the phone with no success at all. Embarrassing.
HORIBLE Company!!!!! you are the most horrible financial institute in Australia!!!! I've applied for a Go master card and my application got declined however my salary is high, I don't have liabilities and a good credit score!!! Once I tried to follow up, I've spoken to 3 people asking about the reason and none of them give me an answer, repeating each other words, it was like I'm dealing with a recorded voice, Horrible, Horrible company, never recommended to anyone.
Read full reviewHORIBLE Company!!!!! you are the most horrible financial institute in Australia!!!! I've applied for a Go master card and my application got declined however my salary is high, I don't have liabilities and a good credit score!!! Once I tried to follow up, I've spoken to 3 people asking about the reason and none of them give me an answer, repeating each other words, it was like I'm dealing with a recorded voice, Horrible, Horrible company, never recommended to anyone.
I endorse all the other complaints. If you got this car as part of a Harvey Norman or other retail finance deal, you need to beware. In my case, Harvey Norman are just as complicit - advertising 60 month interest free then foisting this credit card on me and not disclosing that there are $7 (rounded off) of monthly fees on my $57 per month repayment. That to me is an interest payment. And the $7 has just gone up to $10 pm! Rip- of!
Read full reviewI endorse all the other complaints. If you got this car as part of a Harvey Norman or other retail finance deal, you need to beware. In my case, Harvey Norman are just as complicit - advertising 60 month interest free then foisting this credit card on me and not disclosing that there are $7 (rounded off) of monthly fees on my $57 per month repayment. That to me is an interest payment. And the $7 has just gone up to $10 pm! Rip- of!
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
Bendigo Rewards
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
Bendigo Rewards
$89
No current offer
1.5 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
$129 $64 in the first year
100,000
0.66 points up to $1,500/month, then
0.5 points uncapped
Westpac
Altitude Black
Altitude Rewards
$250 $99 in the first year
180,000
1.25 points uncapped
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
100,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
Virgin Money
Virgin Australia Velocity High Flyer Card
0% p.a. for 12 months and then 20.99% p.a.
20.74% p.a.
$289
Velocity Frequent Flyer
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months and then 9.90% p.a.
0% p.a. for 15 months then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Low Rate Card
11.99% p.a.
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)
$99
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Fee Card
19.74% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$30
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
