Latitude GO Mastercard

Name: Latitude GO Mastercard
Brand: Latitude Financial Services
Rating: 3.6 (1 reviews)

Earn up to $300 cashback when you spend at least $1,500 on eligible purchases every month for the first 6 months after card approval. Terms and Conditions apply.
Get 0% interest for 6 months on purchases of $250 or more, ideal for spreading out larger expenses.
Use the interest-free payment options at numerous stores like Harvey Norman, Domayne, Joyce Mayne, and more.

Pros and cons

The 0% on interest-free payment plans.
Save up to 10% on your next holiday when booking with Expedia, Booking.com, or Wotif.
Pay off interest-free plans early without penalties, giving you flexibility and savings.
Track and manage your card using the Latitude App.
It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

The $10.95 monthly fee adds up to $131.40 per year.
The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
A 3% foreign exchange fee applies to overseas transactions.
The late payment fee is $45.

Additional cardholders. Add another cardholder for free and share the account with family members. The primary cardholder is responsible for managing the account and making all repayments on time.
Digital wallets. This card supports Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Gambling transactions. Gambling transactions are permitted and will be classified as cash advances.

Complimentary travel insurance. The Latitude GO Mastercard does not come with complimentary international travel insurance.
Concierge services. The services of a credit card concierge service are not available.
Insurances. Cardholders get fraud protection, purchase protection insurance, and price protection insurance. They also have repayment insurance available.
Rewards points. The Latitude GO Mastercard does not have a rewards program.
Sign up bonus. Since there is no rewards program, there is also no sign up bonus offer for new customers.

Annual fee. This card is free of any annual fee. However, a $8.95 monthly account service free will be charged when your outstanding balance is more than $10.
Balance transfers. This card does not have a balance transfer offer at present.
Cash advances. All cash advances will incur a 25.90% p.a. interest rate, payable immediately from the transaction date. A one-off cash advance fee will also be charged. This is more expensive than the average.
Foreign exchange fee. Any purchases made online or overseas in a foreign currency will incur a 3% fee, which is around average.
Interest-free period. Enjoy up to 55 days interest-free on purchases (excluding cash advances) when you have paid your previous balance or made the minimum required payment.
Purchases. The Latitude GO Mastercard does not have an introductory offer on purchases. All purchases will be charged interest at 25.90% p.a. This rate is higher than the average.