Latitude Credit CardsLatitude 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.
At a glance
- Purchase rate
- 28.99%
- Cash advance
- 29.99%
- Interest-free days
- 1800
- Foreign transaction fee
- 3.00%
- Balance transfer
- 0.00% for 1 yr
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 28.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.95%of 51 institutions | 51st lowest of 51 |
Rates
Every rate Latitude Credit Cards publishes for this credit card, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferAlways on BT - 0% for 12 months on Balance Transfers with a 3% BT fee. | - | 1 yr intro | - | 0.00% | - | - |
| Balance transferThe Cash Advance Rate applies, unless a specific balance transfer rate is subsequently offered. | - | 13 mo intro | - | 29.99% | - | - |
| Cash advanceCash advance rate. | - | - | - | 29.99% | - | - |
| Penalty | - | - | - | 29.99% | - | Expired Plan Rate applies to expired interest free plans. |
| PurchasePurchase Rate on general purchases. | - | - | - | 28.99% | - | - |
Fees
11 fees published, grouped by when they're charged.
- When you take it outNo feeAccount Establishment Fee
- While you hold itUp to $11.952 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- Account Establishment FeeNo fee
While you hold it2
- Credit Card Fee
Credit card fee charged monthly (subject to change).
$11.95 a month - Paper Statements
$5.00 You can avoid this fee by opting to receive statements online. Simply login to the Latitude Service Centre.
$5 every 1 days
When you make a transaction4
- Cash Advance Fee
The greater of 3.5% or $4.
3.50% of transaction - 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.
$0 to $3.95 - International Transaction Fee
International transaction fee on purchases.
3.00% of transaction - International Cash Access Fee
$4, on top of the cash advance fee.
$4
If a payment is late or fails1
- Late Fee$45
Other fees3
- Balance Transfer Fee
Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer.
3.00% of transaction - Credit Balance Processing Fee
The fee amount will be the lesser of your balance or $19.99.
$19.99capped at $19.99 - International Cash Over the Counter Fee
$5, on top of the cash advance fee.
$5
Features
- Shop smart and earn $400 in Harvey Norman eGift Card when you spend $1,500 per month on purchases, including Interest Free plans, for the first 4 months after approval with your Latitude GO Mastercar…
- Ready, Set, Tap Introducing our new instant cardless payment feature where you can apply, get approval, and start shopping from your phone in minutes.
- 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 o…
Eligibility and limits
- Minimum age 18
- Residency: Australian resident
- Minimum income $20,000
- Available to individuals
- Amount from $1,000, no maximum
- 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.
- Credit history To be eligible you must: Be able to demonstrate a good credit history for the last 5 years
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Published by Latitude Credit Cards under the Consumer Data Right, last changed by them on 30 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.