See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ieatwords.com.au.
Listing monitored by Latitude Financial

Pros

0% interest for a set period with eligible partners
Three repayment options to choose from

Cons

$8.95 Monthly Fee when outstanding balance is greater than $10
High rate once the interest-free period ends (22.74%)
3% International Transaction Fee

Reviews

  • Transparency
    3.4 (639)
  • Customer Service
    3.5 (658)
  • Rates and Fees
    3.2 (645)
  • Rewards
    2.6 (255)
  • Online Experience
    3.5 (589)
  • Application Process
    3.9 (560)
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Vony69
Vony69North Queensland, QLD

Handy to have

published

Having the Go Mastercard was an absolute dream during Black Friday sales and made it possible to buy something I wouldn't normally get but the savings was too good to pass up and the ease of purchase using this card was fantastic.



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Joey
JoeyGreater Melbourne (Metropolitan), VIC
  • 10 reviews
  • 1 like
  • Verified

Makes Large Purchases Easy

published

Been using the card for the last 6 years. Really handy when you have to make those expensive purchases and need time to pay off.
Haven't really made use of the card for everyday purchases and so cannot comment on Rewards or rate but the reduction from 62 days interest free to 55 in 2018 was probably a sad day .
Online systems are easy to use and the recent chat service makes interaction easier. Setting up direct debit is easy.
However I would like them to not charge for Bpay payments. But then for no annual fee that might be acceptable!

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A must have card for everyone!

published

Go master card is a fantastic product and it helps with interest free purchases are awesome. One change I would welcome is the waiver of monthly fee because for some purchases - it is going up to fifty percentage of the original product price if we calclulate the monthly fee for 24 months.

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Dr Consumer
Dr Consumer Sydney, NSW
  • 3 reviews
  • 3 likes

Most Frustrating Company/Product Ever!

published
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Taner
TanerHunter Region, NSW
  • 3 reviews

No hassles ease of shopping and interest free

published

Ease of use and stretching payments out gives our family a reprieve to ge able to have the nicer things in life by using latitude. Great service and communication. Highly recommend

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fred
fredSouth West, WA
  • 3 reviews

easy peasy

published

did not take long to fill out and get aproval as our fridge had broken down we needed a new one the same day with the go master card it was all possible

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Dave
DaveSydney, NSW

It Worked.

published

Everything has worked well so far. Just not sure when first statement will come in. Am nervous I'll miss first payment because I did have not got a statement yet.

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Jenni
JenniSouth East Queensland, QLD
  • 2 reviews

harvey norman and go mastercard working together makes buying and paying easier and better

published

have been looked after great and hopefully i have been entered into the competition to win ten thousand dollars as i activated the email but hoped it worked and wins

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Easy to use, easy to repay

published

Third purchase using interest free option. Safe, reliable. Would recommend if you know you can afford items paid off over time. Low monthly fees, easy access to account to pay.

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Poor Service - Penalised for being responsible card holder

published

Long time loyal customer. Wanted to increase limit for a purchase. There are no options to increase limit. You have to wait for Latitude to offer a limit increase regardless of your financial position. Shocking customer help line when I finally got through on 1300 number. I was told I was ineligible for a limit increase because of my exemplary account conduct and zero balance. Disgusted. Would not recommend

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gregy j
gregy jGippsland, VIC
  • 2 reviews
  • 1 like

So easy to use

published

I purchest product on line at Harvey Norman it was so easy to do, there was no fuss at all presented card no they e-mailed back shortly (30 mins) to say i could pick product up. (SO EASY)

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Easy to Use

published

Sales person was well informed, I can't believe how easy it was to use, sales person had all my details on file and all I had to do was sign on the dotted line. Great Great Great

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No Annual Fee Credit Cards

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Excellent service fast and prompt.

published

The assistance provided by the sales person was above reproach. Easy to understand and no hassle using it. Great effort on all sides making this a painless experience much appreciated.

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Lozz
Lozz
  • 2 reviews

Perfect card to own

published

This card has helped me out so many times I am a pensioner and being able to get the things I need without fuss or a lot of trouble it is excellent and easy to use we would not have things we do have without my card cannot live without it

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Phillip Woods
Phillip WoodsLaunceston, TAS

Good for one purchase not for another...

published

I used it for one purchase and it was good then I used it for a second purchase one week later and it declined three times with
$8K credit available.

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Faraisaburi
FaraisaburiVictoria
  • 2 reviews

It was excellent service

published

I haven't checked on rewards and haven't used overseas. But the only experience in it so far is good. I managed to get the card without hustles and able to use it easily.

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Vipada A.
Vipada A.Perth, WA

Perfect way to shop.....

published

So straightforward and easy to apply, able to shop straight away.
No uploading piles of paperwork and documents.
Great rewards program with an excellent choice products to redeem.
Knowing I can use my card any where in the world, gets me off to a great start planning my next trip to Europe.
Highly recommend this to any one who is sick of all the buy now pay later options with all there restrictions and application requirements.

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Handy Credit Card to have

published

It is the best way to buy those white goods, laptops, furniture when you may not be in a position to do so normally. Very easy to make payments too.

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Daryl
DarylSouth Australia

Ok if platform was different

published

Just recently learned that not nessaseraly does the first to expire is the first to be paid trapping you into paying a high intrest rate, although i had my situation rectified i would not recomend this card to anyone under its current format

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Very convenient

published

Good at difficult times, I have had this previously too and back to square one. Let's see in the future if they come up with a more attractive points system. Hoping for the best.

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Janelle
JanelleQueensland

Fraudulent Purchase

published

How disgusting to send us a product review on a fraudulent purchase which happened on the 22nd Oct, then they kept on trying for another 3 more times on the same day, then again the next day and then again 3 days later. We were only notified on the last decline, why not on the first decline? The charge stays on your card whilst they investigate but this then stops you from using your card. How long does it take to see what the delivery address was for the person who at least had the decency to do it on 36 months interest-free? Then get the fraud police onto this address so that we can have this fraudulent amount removed from our account. So much for peace of mind using Go Mastercard.

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a.oca
a.ocaThe Mallee, VIC

Easy target for scammers and fraudsters

published

Had a fraudulent activity on our card and we weren't even notified that it was being used in New York when we are based in Australia. No authentication before purchases so makes it easy for anyone to just use your card without your knowledge. Filed a dispute and need to wait for 21 days. Will close our account and never deal with these people again.

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Great for purchase but confused how to operate.

published

There has been no communication about how to pay this off. Please send something. Also I don't have a card and have not been given instruction on how to get one. I'm concerned that we'll be charged or given a bad rating as I don't know how to make payements

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Best credit card for household purchases, call centre pathetic

published
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Maureen
MaureenGreat Southern, WA
  • Verified

A great help to purchase desired products, knowing it will be within my means

published

I have only used my card within Australia, I have used it for many years and have purchased many items. regular simple to work out statements used to arrive by mail, but now online. Payments are easily paid online. Instalments have always been manageable and paying more than payment due helps to pay off to avoid higher interest. I wouldn’t have had the enjoyment of many items if it wasn’t for the GO/Lattitude card.

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