Latitude GO Mastercard

Latitude GO Mastercard

Highlights

  • Immediate 6 months interest-free for purchases totaling $250 and above.
  • Interest-free deals available from numerous online and in-store retailers.
  • No initial account setup fee and a maximum of 55 interest-free days.

Pros and cons

Pros

  • A monthly account service fee instead of an annual fee.
  • Enjoy Expedia and Wotif hotel discounts.
  • Get 6% off your stay with Booking.com
  • Up to 55 interest-free days.

Cons

  • High 27.49% p.a. interest rate on everyday purchases.
  • High late payment fee of $45.

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    The basics

    • 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.

    Rewards and benefits

    • 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.

    Rates and fees

    • 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.

    Nilooka Dissanayake

    Reviewed by Nilooka Dissanayake

    Writer

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    As seen on

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