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
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!
I would no longer recommend this product. I am so peeved that they increased the fee from the agreed contract price of $5.95 per month to a whopping $8.95 per month only months after entering into a 60month agreement. There is absolutely nothing you can do about it. $5.95 in my opinion was too high, but was happy to pay it. This is an unreasonable increase that had I known (or even for a minute fathomed) that it would increase so unfairly, I would have gone elsewhere. Shame on Go Latitude.
Read full reviewI would no longer recommend this product. I am so peeved that they increased the fee from the agreed contract price of $5.95 per month to a whopping $8.95 per month only months after entering into a 60month agreement. There is absolutely nothing you can do about it. $5.95 in my opinion was too high, but was happy to pay it. This is an unreasonable increase that had I known (or even for a minute fathomed) that it would increase so unfairly, I would have gone elsewhere. Shame on Go Latitude.
Signed up to Latitude through Harvey Norman. Easy experience and had no issues to begin with. Had 60 month interest free card, paying a monthly fee for the card. Then my monthly fee was increased 50%. I contacted customer service to ask how they justify a 50% increase in fees, their only response was "we told you by email so it's fine". I replied that there is no way to justify a 50% increase in fee, to which they responded "our product justifies the price". Nothing justifies a 50% increase in fees. Do not under any circumstance use this institution, completely unethical business practices
Read full reviewSigned up to Latitude through Harvey Norman. Easy experience and had no issues to begin with. Had 60 month interest free card, paying a monthly fee for the card. Then my monthly fee was increased 50%. I contacted customer service to ask how they justify a 50% increase in fees, their only response was "we told you by email so it's fine". I replied that there is no way to justify a 50% increase in fee, to which they responded "our product justifies the price". Nothing justifies a 50% increase in fees. Do not under any circumstance use this institution, completely unethical business practices
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
PayPal
Rewards Card
20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Great Southern Bank
Platinum Credit Card
19.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $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
Kogan Money
Black Card
Kogan Rewards Points
$0
No current offer
1 point 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
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $149 in the first year
60,000
0.5 points uncapped
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
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
Great Southern Bank
Platinum Credit Card
0% p.a. for 25 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
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
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
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
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $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
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
