--- title: "Latitude GO Platinum Mastercard — Latitude Credit Cards" description: "Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/latitude-credit-cards/products/8546d98a-3507-4856-b544-058d08f0c551 source: "CDR Compare" language: en-AU last_updated: 2026-08-05T13:35:19.278Z --- # Latitude GO Platinum Mastercard — Latitude Credit Cards > Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** 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. ## At a glance - **Purchase rate:** 28.99% ## Apply Applications are handled by the provider: [Apply at Latitude Credit Cards](https://cards.latitudefinancial.com/go) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (Always on BT - 0% for 12 months on Balance Transfers with a 3% BT fee.) | 0% | — | Promotional period 1–12 months | | 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% | — | Ongoing revert rate 13+ months | | 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 | $5.00 | | Balance Transfer Fee — Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer. | Other | 3% of transaction | | International Cash Access Fee — $4, on top of the cash advance fee. | Withdrawal | $4.00 | | International Cash Over the Counter Fee — $5, on top of the cash advance fee. | Other | $5.00 | | Credit Balance Processing Fee — Capped at $19.99 · The fee amount will be the lesser of your balance or $19.99. | Other | $19.99 | ## 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 will apply (currently $11.95, subject to change), 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.) - **Balance transfers** (0% p.a. for 12 months Balance Transfer, 3% Balance Transfer fee and eligibility criteria applies. On participating Latitude credit cards. 3% Balance Transfer fee and eligibility criteria applies. A Balance Transfer cannot be made from a Latitude Issued credit card. Interest rate reverts to the cash advance rate after the promotional period ends.) - **Cashback offer** — 250 (Get your first 6 months card fee credited back to you when you make any purchase within the first 3 months from approval & get $250 credit back when you spend $2,000 per month for your first 3 months from approval on general or Interest Free purchases with your Latitude GO Mastercard credit card. New and approved customers only, must be approved by 30th September 2026. Monthly credit card fee will apply (currently $11.95, subject to change), T&Cs and other charges apply.) - **Digital wallet** — Apple Pay (Pay with your compatible iPhone) - **Digital wallet** — Samsung Pay (Pay with your compatible Samsung phone) - **Digital wallet** — Google Pay (Pay with your compatible Pixel phone) - **Digital wallet** — Garmin Pay (Pay with your compatible Garmin device) - **Discounts on other products** — Save with Expedia and Wotif (Enjoy awesome discounts on selected hotels all day, every day, year-round with our travel partners.) - **Digital banking** (Stay on track with your spending With the Latitude App , it's never been easier to manage your payments and stay on top of your due dates.) - **Ready, Set, Tap Introducing our new instant cardless payment feature where you can apply, get approval, and start shopping from your phone in minutes.** - **Interest-free transfers** — 1 year (Always On BT - 0% for 12 months on Balance Transfers with a 3% BT fee.) - **Balance transfers** (Balance transfers available.) ## Eligibility - **Minimum age** — 18 years (Applicants 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 resident (A 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** — $1,000.00 (Min 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 from Latitude Credit Cards - [Overview](https://www.latitudefinancial.com.au/credit-cards/gomastercard/#why-us) - [Terms & conditions](https://assets.latitudefinancial.com/legals/credit-card-general-terms-and-conditions.pdf) - [Eligibility](https://www.latitudefinancial.com.au/credit-cards/gomastercard/#eligibility) - [Fees & pricing](https://www.latitudefinancial.com.au/credit-cards/gomastercard/#rates) ## Data provenance - Published by Latitude Credit Cards under the Consumer Data Right - Product ID: `8546d98a-3507-4856-b544-058d08f0c551` - Last updated by the provider: 5 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/latitude-credit-cards/8546d98a-3507-4856-b544-058d08f0c551 - Provider page: https://www.cdrcompare.au/brands/latitude-credit-cards --- Source: [CDR Compare](https://www.cdrcompare.au/brands/latitude-credit-cards/products/8546d98a-3507-4856-b544-058d08f0c551) — product data published by Australian data holders under the Consumer Data Right. 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