Latitude GO Platinum Mastercard
Latitude GO Platinum Mastercard gives you flexible ways to pay—enjoy 0% interest from 6–60 months at leading retailers such as Harvey Norman®, Domayne®, and Joyce Mayne®, or 6 months on general purchases $250+ - selected within 30 days of purchase, plus up to 55 days interest free on general purchases.
- Purchase rate
- 28.99%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Purchase Rate on general purchases. | 28.99% | — | — |
| Cash advance Cash advance rate. | 29.99% | — | — |
| Balance transfer The Cash Advance Rate applies, unless a specific balance transfer rate is subsequently offered. | 29.99% | — | — |
| Penalty | 29.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Cash Advance Fee The greater of 3.5% or $4. | Cash advance | 3.5% of transaction |
| Late Fee | Late payment | $45.00 |
| Payment Handling Fees $3.95 (in person at Australia Post), $1.95 (online using BPAY®). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre. | Payment | $0.00 – $3.95 |
| Credit Card Fee Charged monthly · Credit card fee charged monthly (subject to change). | Ongoing | $11.95 |
| International Transaction Fee International transaction fee on purchases. | Transaction | 3% of transaction |
| Account Establishment Fee | Upfront | $0.00 |
| Paper Statements Charged daily · $5.00 You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre. | Ongoing |
Features
- Interest-free period — 5 years
- 0% interest offers from 6 - 60 months 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.
- Interest-free period — 6 months
- 0% on $250+ purchases Enjoy 0% interest for 6 months on general purchases of $250 or more. Select your purchases in the Latitude App within 30 days.
- Interest-free period — 55 days
- Up to 55 days interest free on general purchases. 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.
- Interest-free period — 5 years
- 60 months Interest Free Plan at Harvey Norman® + Bonus Harvey Norman® gift card up to $1,000 With your Latitude GO Mastercard credit card when you spend a minimum of $1,000 on an equal monthly payment plan. Minimum spend $1,000. Monthly credit card fee (currently $10.95, $11.95 from 15 July 2026), and other charges apply. Exclusions apply, Offer ends 31 July 2026. Harvey Norman gift card value is based on the eligible purchase amount, Gift card issue by Harvey Norman.
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old.
- Able to supply: A copy of your drivers licence, passport or proof of age card. Details of your income, assets and debts. Employers name and contact details.
- Residency status — Australian residentA resident of Australia or a temporary resident who legally has the right to work in Australia (and intend to stay) for at least the next 12 months.
- Credit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
- Minimum income — $20,000.00 p.a.To be eligible you must: Have an income of at least $20,000 gross per year, from employment or investments
Constraints
- Minimum limit — $1,000.00Min credit limit
- Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.75% of the closing balance, shown for the statement period on your statement of account. If your outstanding balance is less than $30, you must pay that balance.
More Information
Published by Latitude Credit Cards under the Consumer Data Right · Last updated 14 July 2026 · Product ID 8546d98a-3507-4856-b544-058d08f0c551