Purchase rate
22.74% p.a.
Balance transfer rate
No current offer
Annual fees
$71 $5.95 monthly fee waived if outstanding balance less than $10
Interest free days on purchases
55

Mozo editorial review Latitude GO Mastercard

Last updated: 5 August 2020.

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What's hot
  • 1 rewards point per $1 spent on eligible purchases
  • Interest free payment plans available (conditions apply)
  • Up to 55 days interest free on 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 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.

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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) 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.

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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 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.

Rewards program details

Rates and fees information correct as at 30 October 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

20,000 points

$100 Cash

-

Points earning

1 point per dollar on Mastercard, up to 100000 points per year

Rewards scheme
Value of rewards points

Spend $20,000 (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%

  • $0.00

  • $0.00

  • $0.00

Features
  • $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.

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
4.7/10
Price
3.8/10
Features
4.5/10
Customer service
5.0/10
Convenience
5.0/10
Trust
4.6/10

Latest reviews of Latitude GO Mastercard

  • Overall 1/10
    Unbelievably bad service

    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 review

    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".

    Price
    -1/10
    Features
    -1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Terrible, Victoria reviewed 7 days ago
  • Overall 1/10
    Bad service all round - not recommended

    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 review

    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.

    Price
    1/10
    Features
    -1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Marie, New South Wales reviewed about 2 months ago
  • Overall 1/10
    Good for promotions, horrible for purchases.

    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 review

    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.

    Price
    4/10
    Features
    1/10
    Customer service
    6/10
    Convenience
    2/10
    Trust
    1/10
    Less
    Ryan, Queensland reviewed 2 months ago
  • Overall 1/10
    Don’t do it. Terrible.

    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 review

    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!

    Price
    1/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Teneka, Queensland reviewed 3 months ago
  • Overall 1/10
    Interest rate far too high

    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 review

    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.

    Price
    1/10
    Features
    4/10
    Customer service
    3/10
    Convenience
    2/10
    Trust
    4/10
    Less
    Sharon, South Australia reviewed 3 months 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.

See Latitude credit cards

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13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

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19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

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ME

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11.99% p.a.

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ANZ

ANZ

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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

NAB

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

St.George

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

American Express

American Express

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20.74% p.a.

No current offer

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Qantas Frequent Flyer

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Westpac

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Qantas Frequent Flyer

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60,000

0.5 points uncapped

Qantas Money

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Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

100,000

1 point up to $10,000/month, then
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Bankwest

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Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
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St.George

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Amplify Platinum

Qantas Frequent Flyer

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70,000

0.5 points uncapped

Suncorp

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Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

Citi

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

Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

St.George

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

ANZ

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 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

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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

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

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 19.74% p.a.

$99 $0 in the first year

Amplify Rewards

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

NAB

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

ANZ

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

St.George

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

Citi

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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

BankSA

BankSA

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

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Virgin Money

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 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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

ANZ

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

NAB

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

St.George

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

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0