If you’ve been searching for a credit card, but the high interest rates are putting you off, you’ll want to check out the GO Mastercard. High-interest rates are one of the biggest cons of using plastic payment. If you don’t pay in full by the due date, you start digging yourself into a deep hole. 

The GO Mastercard, however, is a different case. Specifically, using the card, users can enjoy the flexibility of long term 0% interest payment plans. Depending on budget and lifestyle, you can choose to pay the money you’ve spent monthly or use a different scheme.  

Interested to know more? Below, we have rounded up everything you need to know about this financing option. Read on to know more about the GO Mastercard’s features, benefits, fees and charges, and eligibility requirements.


Features and Benefits

Created to work as an everyday credit card, the GO Mastercard can be used to shop online and instore to purchase your everyday needs. It’s main selling point is its long-term interest-free payment plans that enable users to repay the money they’ve borrowed in an arrangement that suits their budget and lifestyle. 

Specifically, as part of its offer, the card lets users choose among three different interest-free payment options. The first one is to pay a minimum payment each month and have the chance to chip in extra whenever they can. 

The second option is to make payments anytime, depending on what suits them. And, lastly, the third plan is to pay equal monthly payments, so that the users will know exactly how much to pay each month.


Moreover, when you use the card to complete a major purchase involving big items like a fridge or bed set, you can get up to 55 days interest-free. Plus, there’s no annual fee, and you can even earn rewards points with stores like Harvey Norman and Domayne. 

Points don’t have an expiration and are capped at $100,000 per year.

How to Apply for GO Mastercard

To apply, interested individuals must first ensure that they satisfy the card’s eligibility requirements. Specifically, these include being at least 18 years of age and being a resident of Australia. For temporary residents, the card requires that you must hold a visa that’s valid for at least the next 12 months.

If you meet all these requirements, you can start your application online by visiting GO Mastercard’s website. From the Home page, click on the “Apply Now” button and choose “Start Application.” You will be provided with an online form, which you will need to complete. 


Once done, submit your form and wait for the results. You’ll get a response in less than 60 seconds. Take note, however, that you will need supporting documents that prove your income and identity, so it’s best to prepare scanned copies of your driver’s license, Medicare card, and passport in advance.

Fees and Charges

  • Annual fee: $0
  • Interest rate: 22.74% (applicable to outstanding credit card purchases)
  • Cash rate: 25.90% (applicable on cash advances, purchases & BPAY where biller doesn’t accept credit)
  • Establishment fee: $25
  • Monthly account keeping fee: $5.95
  • Late fee: $30.00

Contact Info and Address

To know more, you can reach out to GO Mastercard at 1300 462 273 if within Australia, or +61 1300 462 273 if from overseas. You may also mail them at GO Mastercard Customer Solutions, GPO Box 1300, Melbourne Vic 3001.

The Bottom Line

After going through all of the information above, it is important to look at a few other cards too to compare benefits and fees. If you decide that the GO Mastercard is the card for you, you can easily start your online application via their website. 

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.