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Latitude 28° Global Platinum Mastercard
Latitude 28° Global Platinum Mastercard

Latitude Financial Credit Cards

Latitude 28° Global Platinum Mastercard

Updated 22 May 2024

Travel virtually fee-free! 🛩 You’ll have more money for adventure with no annual fee and no currency conversion or international transaction fees on purchases. And, you can instantly access telcos in 150+ countries and use 3GB of free data for 15 days each year.

You can chill out at spiffy airport lounges with complimentary nibbles and free WiFi if you use your Flight Delay Pass and your flight is delayed by at least 2 hours. This card is a winner for globetrotters or overseas spenders who want to save money and get some fun travel perks including discounts and credit back.

Terms and conditions apply.

Purchase Rate (p.a)

27.49%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0

$0

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My interest rate

Pros and cons

  • Zero fees: No annual fee and no international transaction fees or currency conversion fees on overseas and online purchases. No fees for online payments except BPAY.
  • Travel perks: The Flight Delay Pass gives you and 4 friends access to global LoungeKey lounges, drinks and WiFi if your flight is delayed by 2 hours or more (or dining discounts if no lounge is available)
  • Freebies: Free global data roaming with 3 GB free data each year for 15 days plus 15% off extra data when you pay with the Latitude 28° Global Platinum Mastercard (conditions apply).
  • Discounts: Use Mastercard’s Priceless Specials and Priceless Experiences to get discounts on hundreds of brands including travel, experiences, dining and merchandise. You can also get 10% off Expedia and Wotif accommodation on selected hotels when you book before 30 September 2024 and stay before 31 December 2024 (conditions apply).
  • Extras: You can add an extra cardholder free and sync your card with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay. Card replacement is free and you can access your new card instantly after approval via the Latitude App.

  • Interest rates are high at 27.49% p.a. and a cash advance rate of 29.99% p.a.
  • BPAY payments are charged at $1.95 online and $3.95 for in-person payments (but you can avoid these fees by making your payments via direct debit or Latitude's Online Service Centre)
  • Cash advance fees are charged at 3.5% or $4, whichever is greater.

Creditcard.com.au review

Editor Review

Latitude 28° Global Platinum Mastercard

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

Who suits the Latitude 28° Global Platinum Mastercard?

Globetrotter: You love travelling and look for cards with extras that make globetrotting cheaper and easier. Deal Digger: You're always on the lookout for freebie perks like cashback, discounts and fun ways to adventure. Money Geek: You’re money-savvy and want ways to save and earn, including discounts, cashback and travel extras.

Editor’s Overall Rating

The Latitude 28° Global Platinum Mastercard is a travel buddy for backpackers, bum-bagged tourists and wandering nomads who want to explore the world cheaper. You won’t pay annual fees or international transaction or currency conversion fees on purchases, which can add up to some enormous savings.

You’ll also get a bundle of extras that feature discounts and cashback, lounge passes if your flight is delayed, and free data roaming. It has a low credit limit and suits those with wanderlust or who frequently buy overseas and want something easy to tap-and-go or make payments online.

Editor’s Review: What I love about the Latitude 28° Global Platinum Mastercard

The Latitude 28° Global Platinum Mastercard has a big superpower: it effortlessly saves money on card costs like annual fees and international transaction and currency conversion fees on purchases while juggling a bunch of free perks.

It isn’t a rewards card but does have several discounts and cashback opportunities that are as good as points any day.

The high interest rate might seem off-putting, but it only takes a little bit of savvy to avoid interest and use the card by using the 55 days interest free and paying the card off each month. I'll talk more about the interest rates further on.

First, I’ll go through all the extras and how to use them to save money and get better deals.

No annual fee. This card has no annual fee, ever.

Savings on international fees. You won’t pay any international transaction or currency conversion fees on purchases whether you’re buying something online or in person. You’ll pay as if you’re a local anywhere around the world.

Free global data roaming. This card comes with Flexiroam Global Data Roaming, which is a bundle of perks to keep you connected as soon as you step onto international soil. You’ll get:

  • Access to over 580 telcos in 150+ countries
  • A Promotional Data plan with 3GB of free data for 15 days every calendar year (and you can share with a fellow Flexiroamer)
  • A 15% discount on extra data plans when you pay with your Latitude 28° Global Platinum Mastercard
  • 3 SIM options including eSIM, so you never have to take out your Aussie SIM card

Flight Delay Pass. This is a first-class extra that lets you and up to 4 travel buddies use airport lounges (think nibbles, drinks and WiFi) in the LoungeKey network if you register your flight before your flight’s scheduled departure and your flight is delayed by at least 2 hours. Make sure you register your buddy's flights, too.

If there isn’t a lounge, you can instead get a dollar amount off eligible airport dining. The amount varies because of exchange rates, but as an example, you could get AUD$36 off per person at Sydney Airport.

Mastercard uses a third-party flight data tracker called FlightStats to monitor delays. Once your flight hits the 2-hour mark (even if it’s accumulated over several delay announcements) your lounge pass is triggered, which is pretty cool.

Access to specials and cashback. You’ll be able to access Mastercard Priceless Specials and Priceless Experiences, which are discounts and cashback on worldwide brands that include travel, entertainment, art, shopping and sports. Many of these offers are exclusive to Latitude 28° Global Platinum Mastercard cardholders, which is a nice touch.

Travel discounts. You can access 10% off selected hotels at Expedia and Wotif when you book before 30 September 2024, and stay before 31 December 2024.

55 days interest-free. As long as you pay off the full closing balance on your statement by the due date, you'll be able to use 55 days interest-free on purchases you make from the start of each statement period.

What’s not so great

As much as this card ticks a ton of boxes for travellers, it does have some important terms you need to know about.

First is the interest rate. It’s possibly one of the highest rates out there at 27.49% p.a., but let’s keep it in perspective: this card isn’t designed as a line of credit for large purchases like a dishwasher or 4K tv. It’s a travel tool, and the goal should be to use it to save money overseas and pay it off each month. It does that job incredibly well.

Next, cash advance fees are charged on international ATM withdrawals even if your card is in a positive balance. Pre-loading your card with cash isn’t a helpful strategy. Pro tip: just avoid withdrawing cash from credit cards in general.

If you’re keen on using the Flight Delay Pass, be aware that you have to register your trip for yourself and you companions before your flight's scheduled departure, and your companions must be on the same flight. You'll need to register each leg of a multi-leg journey separately. You won’t be able to use the lounge if your flight is cancelled or rescheduled because your airline will look after you from there.

Other extras

Applying for the Latitude 28° Global Platinum Mastercard takes under 10 minutes and you’ll get a response from Latitude within 60 seconds. Once you’re approved, you’ll be able to access your digital card and all the perks instantly using the Latitude App.

User reviews

Latitude 28° Global Platinum Mastercard ( based on 4 Creditcard.com.au user reviews )

70% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value
95%

John Nguyen

13 July 2020

I use this card for overseas purchase and travel. It is great as it does not incur expensive international fees. I pay by the due date so don\'t have to incur any interest rates. Recently due to CoVid disruption, I had to submit a number of transaction disputes to claim back services/bookings which were cancelled. Latitude processed these requests promptly and efficiently within 30 days. In the meantime, my trxn dispute with NAB has been outstanding for 4 months now !

Recommends this card
80%

Creditcard.com.au Visitor

14 May 2013

This is gold for travelling - I use it as a debit card by loading it with cash before I go - so no foreign % fee or ATM fee from GE. No credit charges. Accepted way more than a debit card.. spot on!

Recommends this card

Rates and fees

Interest rates



Purchase rate 27.49% p.a.

Cash advance rate 29.99% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee $0

Foreign transaction fee 0%

Minimum repayment 3% or $25, whichever is greater (Gem Visa & Go Mastercard); 2.5% or $30, whichever is greater if closing balance is $30 or more (28° Global)

Cash advance fee 3.5% or $4, whichever is greater

Late payment fee $45

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Flight Delay Pass

Global Data Roaming

Credit back and discounts through Mastercard Priceless Specials and Priceless Experiences

Overview

Latitude 28° Global Platinum Mastercard

The Latitude 28° Global Platinum Mastercard suits those looking for a credit card that they can use overseas and save on costs. It comes with a range of extras that make travel easier, cheaper and even provide credit back. Terms and conditions, fees, and charges apply. Approved customers only.

Key features

  • No annual fee
  • No international transaction fees or currency conversion fees on purchases
  • Flight Delay Pass gives you and 4 friends access to airport lounges, drinks and WiFi if your flights are registered beforehand and are delayed for at least 2 hours
  • Free 3GB data for 15 days every year plus 15% discount on additional data when you buy it with the Latitude 28° Global Platinum Mastercard
  • Instant digital access after approval and sync with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay and Garmin Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Australian resident and supply a copy of your driver's licence, passport or proof of age card, details of income, assets and debts, and employer name and contact details

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

22 questions (showing the latest 10 Q&As)

Sue Lane

Sue Lane

8 June 2024
I am retired. My income comes from superannuation your application questions suggest this is not a suitable card for me. Is that so? for example I havent worked for 2o years or more. I have a drivers licence buty it has no card no.
    Pauline - CreditCard.com.au

    Pauline

    12 June 2024
    Hi Sue, Latitude doesn’t give any information about eligibility if you’re on a superannuation income, but it does seem to point to employment as being a factor. It might be a good idea to look for cards that are a better fit for retirees (here are some ideas, and here is a blog that might help, too). Thanks Sue!
Janine West

Janine West

11 May 2024
Hello, Do I have this right- there are no overseas Fees for overseas purchases - but if I withdraw cash whilst overseas - the charge will be either 3.5% or $4.00 - whichever is higher. thanks Janine
    Pauline - CreditCard.com.au

    Pauline

    14 May 2024
    Hi Jenine, yep that’s correct! There’s no foreign transaction fees charged for purchases made outside Australia (or overseas merchants within Australia). As for cash advances (whether in Australia or overseas), there’s a fee of 3.5% or $4 whichever is greater.

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