Frequently asked questions

Yes there are other types of promotional plans that may be available. These include split promotion and instalment interest bearing promotions:

Split promotion
This is effectively a combination of the above promotional types. That is, you may make an Interest Free Payment Deferred purchase with the payments deferred for 6 months for example, after which you may have another 6 months where payments are required, but without interest being charged for the whole 12 month period.

Instalment interest bearing promotion
The benefit of this promotional type is that your repayments are spread over the promotional term into equal monthly instalments, including the interest component. The interest rate on instalments during the promotional period is at a special lower rate than the account rate. If there is a balance outstanding after the promotional period (eg. you have missed a payment for example), then interest is charged at the prevailing account rate.

If you’re already a cardholder, present your GO MasterCard or your driver’s licence at any participating stores. The sales person will advise you which interest free promotions are currently available. You can then purchase up to your available credit limit.

You can purchase as many times as you like – up to your credit limit - from participating stores that accept GO MasterCard.

You generally have the choice over which payment plan you would like to use. However some stores do vary. Ask in-store about the finance options currently being offered.

This varies, depending on the store where you make your interest free purchase. Talk to the salesperson in the store where you’d like to go interest free shopping to find out more.

GO MasterCard is accepted at Harvey Norman, Domayne or Joyce Mayne. It is however also accepted at over 10,000 stores around Australia and you can purchase again on Interest Free or Buy Now, Pay Later from any of those stores. Your GO MasterCard can also be used just like any other credit card at any store who accepts MasterCard. From fuel to food and bills, you will receive up to 62 days interest free on these everyday MasterCard purchases. 

It will start on the date of your purchase. However if your goods are being delivered it does not commence until the delivery date.

No. Providing you have sufficient available credit left on your card, you can use your card for more interest free promotional purchases, everyday MasterCard purchases or cash advances.

It is important to note that your Interest Free credit limit can be different from your cash credit limit. Your total credit limit can be found on the top right of your monthly GO MasterCard statement or you can log onto the Online Service Centre to check it any time. You can also call 1300 46 2273 to ask about your credit limit.

To take advantage of up to 62 days interest free on MasterCard purchases, you will need to make sure you pay off your MasterCard account in full by the due date. Remember that interest is charged from the day of a cash advance so you cannot avoid paying interest on this transaction.

You’ll be sent a statement every month, showing the minimum monthly payment amount you’re required to pay and the due date, plus any overdue payments and over limit amounts. For more information if you have a  query about your statement, simply call our Customer Solutions team on 1300 46 2273.You can also access your account details using the GO MasterCard Online Service Centre 24/7. You just need your account number and credit limit to register.

No. You can make additional repayments and/or pay out the balance in full before the interest free period expires and there is no penalty.

You will begin to incur interest on any outstanding amount from the date your interest free period expired. The interest will not be backdated.

No. Providing you have sufficient available credit left on your card, you can use that credit to take advantage of any type of promotional purchase offer, a regular everyday purchase or cash advance.

The amount you need to repay appears on your monthly statement.  If monthly payments are required, it’s calculated as 3% of the total outstanding balance or $25, whichever is greater (plus any overdue payments and over limit amounts). You can put a direct debit in place to ensure your minimum monthly payments are made on time automatically. Call our Customer Solutions team on 1300 46 2273 to arrange this or fill in a direct debit form.Remember, to avoid any interest charges at the end of your interest free period, you need to pay more than the minimum monthly payment each month.  

Where possible, try to pay off your total amount payable by the due date each month. If you have any interest free promotional terms on your account, just remember to pay them off in full by the expiry date of the promotional plan or make more than the minimum monthly payment depending on your particular plan. Interest is only charged on the unpaid balance that remains on your account from when the promotional period has ended or if you miss a minimum monthly payment. You also get up to 62 days interest free on MasterCard purchases. Just pay your account off in full by the due date every month to take advantage of this benefit. Remember that interest is charged from the day of a cash advance so you cannot avoid paying interest on this transaction.

To avoid incurring an over limit fee you must ensure that your account balance doesn't exceed your credit limit at any time during the month.

• Check your balance regularly and if you're close to your limit, making an interim payment to help reduce the risk of exceeding your credit limit.
• You can check your account balance via the Online Service Centre or by calling us on 1300 361 958 before making a transaction, to be sure that making that transaction will not take you over your limit.
• Alternatively, you can request a credit limit increase though the Online Service Centre or by calling us on 1300 361 958.

To avoid incurring an over due fee, please ensure that GE Money receives at least your minimum monthly payment by the due date shown on your statement.

You can put a direct debit in place to ensure your minimum monthly payments are made on time automatically. Call our Service Centre on 1300 46 2273 to arrange this. (Be aware, though, that making minimum monthly payments only means you will have to pay interest on the balance; to avoid interest charges you will have to pay the total amount payable by the due date.)

If you are having difficulty making your minimum monthly repayments please talk to us. GE has a hardship policy which may allow us to tailor a solution to your situation.  Please refer to GE’s hardship page for more details.

For security reasons, cards are sent to you inactive.  Activating the card validates it’s been received by you and/or your additional cardholders can begin using the card to access cash or go interest free shopping again.

If you are not switching from a GE CreditLine or Buyer's Edge card you can activate online now. Alternatively call 1300 004 646.

For your protection, your GO MasterCard cannot be used until it has been activated. Once you've activated your GO MasterCard, you can also register to use our Online Service Centre to manage your account. If you have more than one additional card, these cards will be mailed to you separately. Please also ensure that each cardholder signs the back of their card using a black or blue ballpoint pen.

Your total credit limit can be found on the top right of your monthly GO MasterCard statement or you can log on to the Online Service Centre to check it any time. You can also call 1300 46 2273 to ask about your credit limit.

It is important to note that your MasterCard credit limit can be different from your cash credit limit. Your cash limit can be found on the top right of your monthly GO MasterCard statement or you can log on to the Online Service Centre to check it any time. You can also call 1300 131 024.

You can use your GO MasterCard to make cash withdrawals from any ATM displaying the MasterCard® or Cirrus® logo. That's over 900,000 ATMs in 120 countries worldwide. You can also withdraw cash over the counter at any bank or financial institution displaying the MasterCard or Cirrus logo.

When withdrawing cash overseas, your account will be debited for the amount in Australian dollars at that day's exchange rate. This is a much more convenient alternative to traveller's cheques or currency exchange vendors.

Interest on cash advances is charged from the date of withdrawal. Fees and charges will apply for cash withdrawals. Details are in your conditions of use.

• Repayment & Balance Protection: In case you lose your job or can't work due to a sickness or injury we'll pay 10% of your monthly closing balance for up to a year if you're unemployed and up to 3 years if you're sick or injured. If you should die we'll pay the balance in full - up to $20,000
• Price Protection: If your purchase goes on sale at the same retailer (even if it's a different location) within 6 months, we'll pay the price difference to your account

For more details refer to the Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Policy for full details including limits that apply to this cover.

It costs just 0.8% of the monthly closing balance – capped at $25 per month. So even if you spend a bit more you'll be certain it won't cost you more than $25 a month.

You should first read the Buyer’s Protection – Combined FSG, PDS and Policy to see if this insurance is right for you. Then call us on 1300 462 273 and ask one of our consultants to add Buyer’s Protection to your GO MasterCard account.

Visit our claims page or contact our claims team on 1800 800 230 if you need assistance.

Yes there are. Click here for a full list of fees and charges.

A chip card is a credit or debit card that uses an embedded security microchip to protect confidential data stored on your card. It sits on the front of your card, towards the left hand side, and is in the shape of a small gold square.

The microchip on your card encrypts your account information in a more secure format. This enables an increased level of card protection, reducing the chances of your personal details being copied fraudulently. This, coupled with our additional security features like Falcon™ monitoring, works to better protect your card.

As Australia makes the transition to chip technology, chip cards may be used in different ways at different merchants. With some, you will use your chip card the same as a magnetic stripe card, by swiping it through a terminal and entering your PIN, or by signing a receipt.
Terminals that can identify your card as a chip card will display a message on screen advising you to insert your chip card and leave it in the terminal for the entire transaction. You will then be required to enter your PIN number, or press the OK/Enter button and sign the receipt to authorise the transaction.

Your existing PIN can be used with your new chip card. If you don’t remember your PIN, or want to select your own PIN, just call our Customer Solutions department on 1300 462 273.

In Australia, you currently have the choice of using your PIN or signing to authorise the transaction. In other countries, you may be required to enter your PIN, so please ensure you have one before leaving Australia.
You can select your own by calling Customer Solutions and following the prompts on 1300 462 273.

No, in Australia you can still authorise your transaction by signing. However, as Australia makes the transition to chip technology, you may be required to authorise transactions by entering your PIN.

Many countries have made the move to chip and PIN technology and you can use your card wherever MasterCard® is accepted.
If you are travelling overseas, it’s a good idea to have a PIN for your chip card. This is because some countries, for example New Zealand, require all transactions to be authorised by PIN instead of signature.
If your card is not a chipped card, you can continue to use your card as per usual.

This can easily be arranged by calling our Customer Solutions department on 1300 462 273.

Yes, you can download the below brochure which contains information regarding the chip card and other security features and services available to GO MasterCard customers.

MasterCard SecureCode – is a new security measure that verifies your purchases in real time, whenever you shop online. Verification helps to reduce credit card fraud and unauthorised credit card use.

MasterCard SecureCode adds an extra layer of protection by helping to confirm your identity through either a security code or through security questions, during select online transactions. MasterCard SecureCode lets you enjoy extra security and peace of mind when shopping online at participating merchants.

MasterCard SecureCode performs a real-time risk assessment on transactions made at participating online retailers. In most cases you won't notice any change, however, on some transactions we may prompt you to enter a six-character security code, which will be sent to you instantly via SMS. This is to ensure that the transaction you are about to make is authorised by you.

When you make an online purchase at a participating merchant, a page may automatically appear asking for a unique security code or answers to security questions. This is similar to the way your bank asks for your PIN at the ATM. When you correctly enter the code (or answer the security questions) your card issuer confirms that you are the authorised cardholder and your purchase continues.

When you correctly enter the security code (or answer the security questions) during an online purchase at a participating merchant, you confirm that you are the authorised cardholder and your purchase continues. If the security questions are answered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.

Aside from the added protection that Verified by Visa provides, the only impact to your purchase will be that you'll need to enter the security code (or answers the security questions) when the authentication screen appears, then wait a few seconds while we confirm your identity.

Yes, but you will not be asked to enter a security code (or answer security questions) at these merchants. To complete your purchase, simply follow the traditional checkout process.

This authentication screen may appear when you are shopping online at participating MasterCard SecureCode merchants. Once you have confirmed your identity by correctly entering either the security code (or answering the security questions) that are on the page, you will be able to continue with your purchase.

If you don't receive a security code, this may mean that the mobile number that is registered to your account is not up to date. You can still proceed with your transaction by selecting the button "I didn't receive a code" which will direct you to the security questions that are personal to you and your account. Once you have answered the security questions correctly you will be able to continue with your purchase.

To update your mobile number please visit the Online Service Centre or contact Customer Solutions on 1300 462 273.

If you are not able to confirm your identity through either the security code that is sent to your mobile or the security questions, unfortunately you will not be able to proceed with your purchase at this time.