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Why choose Latitude GO Mastercard?
Interest Free plans to suit you.
Keep it simple with regular monthly payments or enjoy the flexibility of making them when it suits you. We offer a range of Interest Free Payment Plans for eligible purchases at Harvey Norman, Domayne, and Joyce Mayne, to match the way you want to pay.
Enjoy 6 months Interest Free on your general purchases of $250 or more.
Select your purchases in the Latitude app within 30 days.
Add another star to your accommodation!
0%p.a.
on long-term Interest Free Payment Plans
0%p.a.
up to 55 days interest free2 on general purchases
27.99%p.a.
Purchase Rate on general purchases
$0
account establishment fee
$10.95
credit card fee charged monthly (subject to change)
Min credit limit
$1000
Expired Plan Rate
29.99% p.a.
Cash Advance Rate
29.99% p.a.
Balance Transfer Rate
The Cash Advance Rate applies, unless a specific balance transfer rate is subsequently offered.
Cash advance fee
The greater of 3.5% or $4.
Payment handling fees
$0 when you pay via the Latitude App, Latitude Service Centre, mail, or direct debit
$1.95 (online using BPAY®)
$3.95 (in person at Australia Post)
Late fee
$45
Paper statements
$5.00
You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre.
Balance Transfer fee
Up to 3% of balance transfer amount
International transaction fee
3% on all purchases and cash advances
International cash advance fee
$4, on top of the cash advance fee
International cash over the counter fee
$5, on top of the cash advance fee
Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
How to apply
- Apply online
You can check your eligibility and apply in 10 minutes. - Wait a minute
60 seconds is all it takes for us to respond to your application. - Ready, set, shop
Simply activate your card when it arrives to start shopping.
Eligibility
- Be 18 years or over
- Be a permanent Australian resident
- A copy of your driver's licence, passport or proof of age
- Details of your income, assets and debts
- Employer's name and contact details
Still looking for other options? Explore our other credit cards
Latitude Low Rate Mastercard
Low rate.High rewards.
$300 credit back offer OR 0% for 18 months on balance transfer
- Get 3% back in Latitude Rewards when you set up recurring payments direct with participating providers
- 13.99% p.a. purchase rate
- $69 annual credit card fee
Latitude Gem Visa
Shop Interest Free and enjoy everyday offers.
- Instant 0% interest on everyday purchases of $250 or more for 6 months
- 27.99% p.a. purchase rate
- $10.95 monthly credit card fee
Latitude 28° Platinum Mastercard
Travel better and shop confidently.
$300 bonus Latitude rewards OR $0 monthly card fee for 12 months
- $0 international transaction fee on purchases overseas or online
- 27.99% p.a. purchase rate
- $8 monthly credit card fee
All offers are subject to T&Cs.
Available on purchases at
Payment Options
Latitude App
Make repayments in just a few taps with our mobile app.
- Get the app
Simply download the Latitude App from the App Store or Google Play
- Create a Latitude ID
Open the app and create your Latitude ID (this is different to your Online Service Centre login).
- Link your card
Once your credit cards are linked, you’ll be able to make payments via bank transfer with your BSB and Account Number (Australia only).
Note: Please be aware that bank transfer payments can take three business days to clear and you can only make one payment to your card account every five days.
We do not charge a fee for payments made via direct bank transfer on the Latitude App.
Digital wallets
You can pay any way on your phone or wearable tech device with just a tap.
Important information
1 Balance transfer applies to eligible customer's Australian non-Latitude credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your Latitude GO Mastercard credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the promotional period. If there is an outstanding balance after the promotional period, interest will be charged at the cash annual percentage rate, currently 29.99% (subject to change). A once-off balance transfer fee of 3% applies to the amount being transferred. This will be charged to your Latitude GO Mastercard credit card account when the balance transfer is processed.
New customers only, must be approved by 31 July 2025. Latitude may vary, extend or withdraw this offer at any time without notice.
Latitude Credit Card General Terms and Conditions set out the T&Cs of the Latitude GO Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
2 To take advantage of up to 55 days interest free on credit card general purchases, you need to pay the full closing balance (excluding un-expiring Interest Free Payment Plans) on each statement of account by the applicable due date.
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