Imagine getting discounts and savings on every product you buy regularly. Sounds enticing, right? Credit cards are one way to make it happen. But, not all credit cards with good rewards are just affordable.
You’ll be pumped to know that the GO Mastercard offers several lucrative card options to everyday buyers. With GO credit cards, you not only save a lot on every purchase but also get reward points you can utilize later.
The cherry on top is their customer-friendly technology and prompt service that helps you on the go. If this sounds like your ideal credit card, read on to learn more about GO Mastercard credit card.
Features of the Go Mastercard Credit Card
GO Mastercard is one of the most affordable and budget-friendly credit card providers available in Australia. The card comes with the most reasonable APRs and one of the longest repayment periods.
With Go Mastercard, you have the option to make monthly payments at a flexible schedule. The GO Mastercards offer you a total of 55-days interest-free repayment period.
Recently, the company has also introduced the new cardless payment feature. It allows you to apply, approve, and shop easily from your phone without taking out your card.
What’s more? With every dollar spent using your GO Mastercard credit card, you get 1 GO reward point. You can redeem the points for discounts on everyday utility items, appliances, devices, or gift cards.
GO Mastercard has laid down following eligibility criteria for credit card applicants and being 18 or older is a must. You must be a permanent resident of Australia and have a good credit history as reflected in your credit score.
Apart from that, you’ll need the following documents during your application: a proof of identity, proof of income, and proof of employment.
How to Apply
Go to the official GO Mastercard website and log in to your account. Browse through various credit cards and select the one you want.
Click on “apply” and fill in your personal information along with income and credit history details. It’ll take about 60 seconds for the website to check your eligibility, post which you can proceed with your application.
Your card will arrive in about two working weeks. Activate your card following the instructions provided by the company and continue your purchases.
You can also apply by visiting an offline store of Go Mastercard. To track your credit card application, check the information sent on your email or call 1300 764 454.
Interest Rates and Fees
GO Mastercard is a great option for credit card holders, but they do have fees. You’ll incur the following charges while using the GO Mastercard.
- 0% p.a. on long-term Interest Free Payment Plans
- 0% up to 55 days interest free on everyday purchases
- 22.74% interest rate on everyday purchases
- $25 (one-off) account establishment fee
- $5.95 monthly account servicing fee when outstanding balance is greater than $10
- Interest rate on cash advances and expired long-term interest free payment plans: 25.9% p.a.
- Cash advance fee and direct credit advance fee: greater of 3% or $3 (with a maximum of $30 per transaction)
- International transaction fee: 3% on all purchases and cash advances
- International cash advance fee: $4, on top of the cash advance fee
- International cash over the counter fee: $5, on top of the cash advance fee
If you would like to contact a representative, you can by calling 1300 462 273 and +61 287 478 170. We have also listed their mailing address below for you.
GPO Box 1300
Melbourne VIC 3001
If you’re looking to save big money on your everyday expenses, then GO Mastercard credit cards are an ideal choice. The longer repayment periods and technological assistance make it convenient to make bigger purchases without incurring big debts.
Before you choose a card, it’s best to consider your expected monthly expenses and income to avoid getting rejected.
Disclaimer: There are risks involved when applying for and using credit/ loan. Consult the bank’s terms and conditions page for more information.