Learn How to Apply for a GO Mastercard Credit Card

I find that having a reliable credit card has become more of a necessity for me over the years. From paying for expenses easily to racking up points and rewards, a credit card has become sort of a best friend. 

One of the best credit cards I have come across in a while is no other than the GO Mastercard Credit Card. This is an everyday credit card that is designed to provide cardholders like me access to interest-free payment plans and other flexible offers. 

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For those who want to learn how to apply for a GO Mastercard Credit Card, I have compiled a list of everything you need to know. From the perks and privileges down to managing the credit card, I have got you covered. Read on to know more.

  • Get to Know the GO Mastercard Credit Card
  • What the GO Mastercard Credit Card Has to Offer
  • How to Apply for the GO Mastercard Credit Card
  • Fees and Charges of a GO Mastercard Credit Card
  • Manage Your GO Mastercard Credit Card
Learn How to Apply for a GO Mastercard Credit Card
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Get to Know the GO Mastercard Credit Card

As I have previously mentioned, the GO Mastercard Credit Card is an everyday credit card. 

Learn How to Apply for a GO Mastercard Credit Card
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Offered by Latitude Finance and powered by Mastercard, this card is made for purchasing items interest-free with its various flexible payment plans. 

The credit card allows me to shop from partner stores and establishments at 0% interest, may it be in-store or online. 

It also offers rewards points that can be redeemed for different items or products, allowing me to maximize the GO Mastercard Credit Card. 

Why Choose the GO Mastercard Credit Card

There are various ways why one should choose the GO Mastercard Credit Card. 

It offers flexible payments at the convenience of cardholders, especially with up to 55 days interest-free on everyday purchases. 

I find that the rates and fees that come with the GO Mastercard Credit Card are also on the competitive side, making it an ideal companion for my everyday needs. More on this later on. 

What the GO Mastercard Credit Card Has to Offer

One of the highlights that sold me on the GO Mastercard Credit Card is no other than its flexible, interest-free payment plans. It boasts up to 55 days of interest-free plans on everyday purchases, making it an ideal companion for buying necessities such as grocery items and the like.

Learn How to Apply for a GO Mastercard Credit Card
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Another one of the more exciting offers that come with this particular credit card is having the chance to earn rewards points via the GO Rewards Points Program. This program allows me to earn points when I spend and redeem these points for something worthwhile. 

All my purchases earn points, whether it’s a new appliance, groceriess or even buying petrol for my car. For every dollar I spend using my GO Mastercard Credit Card, I also earn 1 Latitude GO Rewards point, capped at 100,000 per year. 

Some of the products or items that I can redeem through this program include perfume, an Apple TV, fashion items such as sunglasses, cookware sets, gadgets such as wireless earphones, and many others. Categories include fitness and outdoor, travel, electronics, beauty and fashion, and gift cards among others.  

Interest-Free Plans at Every Level

The GO Mastercard Credit Card also provides long-term interest-free deals at partner retailers. These retailers include the likes of Harvey Norman, Domayne, Joyce Mayne, and more. I could get up to 1,000 days of interest-free plans on computer products, provided I have a minimum financed amount at $825. 

I can also get an interest-free period on Apple products for up to 24 months with a minimum purchase of $300, 18 months on air conditioners with a minimum financed amount of $500, and up to 12 months on cooking appliances with a minimum financed amount of $300. 

Interest-free payment plans help keep repayment simple and accessible every single month, letting me pay equal monthly payments. Although I can just pay the bare minimum, I can also make extra payments to help reduce the overall expenses. 

How to Apply for the GO Mastercard Credit Card

Applying for a GO Mastercard Credit Card is perhaps one of the easiest applications I have ever come across. I can simply apply online and fill out the application within 10 minutes. After filling out the application, Latitude Finance will provide its decision in as little as 60 seconds. 

Learn How to Apply for a GO Mastercard Credit Card
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The online application form can be found on the Latitude Financial website. It asked me to disclose personal details like my current residential address, the length of time I have stayed at my current place of residence, and if I had an Australian driver’s license. It also requests income information.

The bank can verify my identity online and make the overall decision easier. Those who failed to have their identity verified electronically will have to go to Australia Post to verify the document in person. 

If approved, cardholders will be given a credit limit that corresponds to their creditworthiness. This will be determined by the bank according to their review and can vary from person to person. The minimum credit limit is $1,000. 

Requirements and Eligibility

Before I pressed the apply button, I made sure I was eligible for the GO Mastercard Credit Card and checked the eligibility section. In general, I need to be aged 18 or older and a permanent Australian resident or citizen. 

I was also required to have a copy of my driver’s license, passport, or any legal document that will provide proof of identification and age. I also needed to provide information surrounding my employment such as my income as well as my assets and debts. 

Among the details, I needed to disclose my employer’s name and contact details. The bank may ask for other documents they deem necessary upon their discretion. 

Fees and Charges of a GO Mastercard Credit Card

There are rates and charges that come with owning a GO Mastercard Credit Card. In order to help me and other cardholders enjoy the benefits afforded to us, I believe that paying on time and at the very least, the minimum amount, is essential. 

Learn How to Apply for a GO Mastercard Credit Card
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Owning a credit card is a huge responsibility. Before applying you should always take the time to go over the fees and charges that come with a credit card in order to gauge your capacity to repay these fees on top of the borrowed amount. Below are some of these fees. 

  • Annual Fee – $0
  • Interest Rate – 0% interest on long-term and payment plans and 0% interest for up to 55 days for everyday purchases, 19.95% after the said period per year
  • Account Establishment Fee – $0
  • Monthly Account Service Fee – $8.95 (only when the outstanding balance goes over $10)
  • Interest Rate on Cash Advance and Expired Long-Term Interest-Free Payment Plans – 25.9% per annum
  • Cash Advance Fee and Direct Credit Advance Fee – 3% or $3, whichever is greater (with a maximum of $30 per transaction)
  • International Transaction Fee – 3% on all purchases and cash advances
  • International Cash Advance Fee – $4 on top of the aforementioned cash advance fee
  • International Cash Over the Counter Fee – $5 on top of the aforementioned cash advance fee
  • Late Fee – $30
  • Payment Handling Fees – $0.95 for BPAY and $2.50 for physical payments at Australia Post

Manage Your GO Mastercard Credit Card 

There are various ways I can ensure I stay on track with all my GO Mastercard Credit Card spends and one of these ways is through the help of the Latitude app. The mobile app is available to download on the App Store for iOS users and the Google Play Store for Android users. 

Learn How to Apply for a GO Mastercard Credit Card
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What I find great about the Latitude App is that not only can I see my credit card statements and balance, I can also make payments on the app without additional charges. I simply link my card and can view my balances, set up my PIN, view interest rates, and more. 

Alternatively, it is quite reassuring to me that I can also make repayments via the online service centre simply by registering online using my card or my 16-digit account number. 

I can also pay via BPAY, direct debit facility, and digital wallets such as Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Google Pay, and Garmin Pay. 

Latitude Bank Address and Contact Information

For more information about the GO Mastercard Credit Card, call Latitude Finance at 1300-552-079 from Mondays to Fridays from 8:30 A.M. to 6 P.M. 

Those who want to make an appointment with Latitude Finance to discuss the credit card in person can contact the head office located at 800 Collins Street, Docklands, Victoria 3008. 

The Bottom Line

The GO Mastercard Credit Card is truly one of the best everyday credit cards I have ever come across. With its excellent rewards-earning system as well as its array of interest-free options, I can be a smarter shopper that enjoys its perks over time. 

Disclaimer: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information. 

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