98% Greg | 18 May 2018
Can’t fault this card, it’s been in my wallet for years and don’t pay an annual fee. I always use it overseas
Recommends this card
Hi, I’m the site founder and I will personally answer your question within a business day.
Purchase rate
21.99% p.a.Balance transfer
N/AAnnual fee
$0 p.a.Pros
One of only a few that offer no international transaction or currency conversion fees.
Platinum Concierge Service 24/7
No annual fee
Shoppers Protection option
Free to pay off when using the ‘transfer from my bank’ option
Cons
Whenever you make a payment off the card using BPAY you are charged a payment handling fee of $0.95 (online) & $2.50 (in person).
Purchase and cash advance rate of 20.99% p.a.
3% or at least $4 ATM Fee when travelling internationally and taking as a cash advance, even if in debit
28 Degrees Platinum Mastercard
The 28 Degrees Platinum Mastercard is an international credit card that offers no international transaction fees on purchases with no annual fee. If you make a payment off the card through BPAY, you are charged a payment handling fee of $0.95 (online) & $2.50 (in person). You can avoid this fee by using the ‘transfer from my bank’ option that is entirely free of any fees or charges. The overseas shopping part is where you win but if you want to get cash out there is a charge of 3% or $4 (whichever is greater). This cash advance fee applies if the card is in debit or credit. The 28 Degrees Platinum Mastercard also comes with Mastercard PayPass, CHIP technology, fraud protection, shoppers protection (optional) and secure 24 hour online service centre. With this card you can also enjoy free fast, premium quality Global Wi-Fi at more than 1 million hotspots worldwide.
Key features
- No annual fee
- No international transaction fees on purchases
- No currency conversion fees
- Platinum Concierge Service 24/7
- Fraud Protection Cover
- Shoppers Protection - for 0.5% of your monthly closing balance, up to a maximum of $50 a month. If you pay your balance off in full each month there is no fee.
- Free Global Wi-Fi at more than 1 million hotspots worldwide
- Inc Price Protection for up to 6 months, merchandise protection - covers the things you buy on your card if it is lost, stolen or damaged within 6 months from the date of purchase, we'll pay for the cost of repair or replacement to your account.
- Inc Repayment Cover: Pays 10% of your monthly closing balance while you're off work, for up to a maximum of 3 years if you can't work due to illness or injury and for up to a year if you're unemployed.
- Inc Stolen Card Protection: If your 28 Degrees Platinum Mastercard is stolen, you will get $200 to your account for the inconvenience.
No international transaction fees on purchases
Pay no fees on overseas purchases when travelling or when shopping online
No annual fee
With this card you also pay no annual fee ever
Free Global Wi‑Fi
Enjoy fast, premium quality Global Wi-Fi at more than 1 million hotspots worldwide
52% of customers who have rated this card would recommend it
3% Visitor | 28 December 2017
I used to love this card for overseas trips and online shopping. Since it was sold to Latitude there are lot of costly hidden charges. I paid my balance last month through BPAY and they charged me 0.95 for that because they treat paying your credit card is also an online transaction. Then I thought I pay that 0.95 cents and they charged me another 0.95 cents for paying that Bill as well. Now I paid 1.90 cents again to pay my balance of 0.95 cents and closing today.
Does not recommend this card
| Interest Rates | |
| Purchase rate | 21.99% p.a. |
| Cash advance rate | 21.99% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $6,000 |
| Maximum credit limit | $20,000 |
| Fees & repayments | |
| Annual fee | $0 p.a. |
| Cash advance fee | 3% |
| Foreign transaction fee | 0% |
| Late payment fee | $30 |
| Credit card type | Mastercard |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| No international transaction fees on purchases | |
| No foreign currency conversion fees | |
| No overseas ATM withdrawal fee | |
| Free global Wi-Fi | |
| Eligible with Apple Pay, Samsung Pay and Google Pay |
28 Degrees Platinum Mastercard
The 28 Degrees Platinum Mastercard won the 2015 + 2016 Canstar Award for Outstanding Value Travel Credit Card and has a 5 star rating. It won for three simple reasons: no currency conversion fee, no international transaction fees and no annual fee.
What's great...
Among the travel orientated cards there are usually a lot of fees, but this is one product that addresses that. That’s something to make even the most world weary traveler smile. It also comes with free worldwide emergency card replacement if you happen to loose your card and access 24/7 to Platinum Concierge Service to plan that next holiday .
You don't need to be travelling to benefit from using this card as you pay no overseas fees on purchases made online in different currencies. This is great for people that like to shop on overseas websites. Most cards charge around a 3% foreign exchange fee. This means that you are hit for 3% of the purchase price straight away. Not with the 28 Degrees.
The shoppers protection is an interesting feature. This is great if you pay off your card in full each month. You get a whole range of insurance options for the cost of 0.5% (max of $50) of your closing balance. You get price protection (up to 6 months), repayment cover, 20k life insurance plus stolen card protection.
What's not so great...
The purchase and cash advance rate is a high 21.99% p.a., but with up to 55 days interest free this can be avoided if you pay off the balance off in full. With these types of interest rates you want to make sure you pay the card off in full each statement period.
You get charged every time you make a payment off the card via bpay (if you don't use the free transfer by bank account option available). You get charged a payment handling fee of $0.95 (online) & $2.50 (in person). This ads up over time but can be avoided through a direct bank account transfer.
Overall
This is a credit card hard to beat when travelling overseas or buying online from non-Australian sites. It offers a convenient way to pay for your expenses with no currency conversion fee, no international transaction fees and no annual fee. Awesome credit card that doesn't cost you anything having it in your wallet.
271 questions (showing the latest 10 Q&As)
- Be over 18 years old
- Good credit and not applied for multiple credit cards recently
- Australian permanent resident
- You have your personal details ready to complete the online application
60 secs response28 Degrees Platinum Mastercard
The 28 Degrees Platinum Mastercard is an international credit card that offers no international transaction fees on purchases with no annual fee. If you make a payment off the card through BPAY, you are charged a payment handling fee of $0.95 (online) & $2.50 (in person). You can avoid this fee by using the ‘transfer from my bank’ option that is entirely free of any fees or charges. The overseas shopping part is where you win but if you want to get cash out there is a charge of 3% or $4 (whichever is greater). This cash advance fee applies if the card is in debit or credit. The 28 Degrees Platinum Mastercard also comes with Mastercard PayPass, CHIP technology, fraud protection, shoppers protection (optional) and secure 24 hour online service centre. With this card you can also enjoy free fast, premium quality Global Wi-Fi at more than 1 million hotspots worldwide.
Key features
- No annual fee
- No international transaction fees on purchases
- No currency conversion fees
- Platinum Concierge Service 24/7
- Fraud Protection Cover
- Shoppers Protection - for 0.5% of your monthly closing balance, up to a maximum of $50 a month. If you pay your balance off in full each month there is no fee.
- Free Global Wi-Fi at more than 1 million hotspots worldwide
- Inc Price Protection for up to 6 months, merchandise protection - covers the things you buy on your card if it is lost, stolen or damaged within 6 months from the date of purchase, we'll pay for the cost of repair or replacement to your account.
- Inc Repayment Cover: Pays 10% of your monthly closing balance while you're off work, for up to a maximum of 3 years if you can't work due to illness or injury and for up to a year if you're unemployed.
- Inc Stolen Card Protection: If your 28 Degrees Platinum Mastercard is stolen, you will get $200 to your account for the inconvenience.
Customer Reviews
Rates & Fees
Interest rates
Purchase rate 21.99% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
Credit limits
Minimum credit limt $6,000
Maximum credit limit $20,000
Fees & repayments
Annual fee $0 p.a.
Additional card holder fee N/A
Foreign transaction fee 0%
Minimum repayment
Cash advance fee 3%
Late payment fee $30
Additional features
Complimentary insurance
Overseas travel insurance No
Flight inconvenience insurance No
Transport accident cover No
Smartphone Screen Insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
No international transaction fees on purchases
No foreign currency conversion fees
No overseas ATM withdrawal fee
Free global Wi-Fi
Eligible with Apple Pay, Samsung Pay and Google Pay
Our Review
Editor Review
28 Degrees Platinum Mastercard
The 28 Degrees Platinum Mastercard won the 2015 + 2016 Canstar Award for Outstanding Value Travel Credit Card and has a 5 star rating. It won for three simple reasons: no currency conversion fee, no international transaction fees and no annual fee.
What's great...
Among the travel orientated cards there are usually a lot of fees, but this is one product that addresses that. That’s something to make even the most world weary traveler smile. It also comes with free worldwide emergency card replacement if you happen to loose your card and access 24/7 to Platinum Concierge Service to plan that next holiday .
You don't need to be travelling to benefit from using this card as you pay no overseas fees on purchases made online in different currencies. This is great for people that like to shop on overseas websites. Most cards charge around a 3% foreign exchange fee. This means that you are hit for 3% of the purchase price straight away. Not with the 28 Degrees.
The shoppers protection is an interesting feature. This is great if you pay off your card in full each month. You get a whole range of insurance options for the cost of 0.5% (max of $50) of your closing balance. You get price protection (up to 6 months), repayment cover, 20k life insurance plus stolen card protection.
What's not so great...
The purchase and cash advance rate is a high 21.99% p.a., but with up to 55 days interest free this can be avoided if you pay off the balance off in full. With these types of interest rates you want to make sure you pay the card off in full each statement period.
You get charged every time you make a payment off the card via bpay (if you don't use the free transfer by bank account option available). You get charged a payment handling fee of $0.95 (online) & $2.50 (in person). This ads up over time but can be avoided through a direct bank account transfer.
Overall
This is a credit card hard to beat when travelling overseas or buying online from non-Australian sites. It offers a convenient way to pay for your expenses with no currency conversion fee, no international transaction fees and no annual fee. Awesome credit card that doesn't cost you anything having it in your wallet.
Pros
- One of only a few that offer no international transaction or currency conversion fees.
- Platinum Concierge Service 24/7
- No annual fee
- Shoppers Protection option
- Free to pay off when using the ‘transfer from my bank’ option
Cons
- Whenever you make a payment off the card using BPAY you are charged a payment handling fee of $0.95 (online) & $2.50 (in person).
- Purchase and cash advance rate of 20.99% p.a.
- 3% or at least $4 ATM Fee when travelling internationally and taking as a cash advance, even if in debit
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian permanent resident
You have your personal details ready to complete the online application
Customer reviews
Can’t fault this card, it’s been in my wallet for years and don’t pay an annual fee. I always use it overseas
Recommends this cardI used to love this card for overseas trips and online shopping. Since it was sold to Latitude there are lot of costly hidden charges. I paid my balance last month through BPAY and they charged me 0.95 for that because they treat paying your credit card is also an online transaction. Then I thought I pay that 0.95 cents and they charged me another 0.95 cents for paying that Bill as well. Now I paid 1.90 cents again to pay my balance of 0.95 cents and closing today.
Does not recommend this cardAbout 5 years ago when I got my 28 Degrees card it was great. No fees actually meant no fees, and you could even overpay it and use it to withdraw cash from foreign ATMs at a good rate with no fees. In recent years though it's become absolute garbage. You can no longer preload and withdraw cash. Even if your balance is positive, you'll still be charged the massive cash advance fee. Also, it costs you nearly $1 every time you want to pay it off, that's about $12/yr in fees right there. And the occasional "Billed Finance Charges" with apparently no explanation will appear, and if you decide to call the 28 Degrees call centre... good luck. I don't know where all these fees are being spent but it's not on their customer service. Despite being a credit card catering to people living abroad, the call centres only operate within Australian-time business hours. So put on a pot of coffee because you're probably going to be up until 3am waiting until their call centre opens. It's so terrible that the only reason I stumbled across this page was that I'm looking for an alternative which lets me make purchases abroad. If all goes well I will have cancelled my 28 Degrees card by days end.
Does not recommend this cardABSOLUTELY EXCELLENT FOR OVERSEAS. PAYING IN LOCAL CURRENCY. 95c charge when I pay off full balance when I get home, BIG DEAL! HOWEVER !!!!!!!! The on line site is a NIGHTMARE. It NEVER accepts my user name or password, this year or last year ! Even when verified by the company......"THERE SEEMS TO BE AN ERROR". Just logged in today with correct user/password....next screen tells me " SORRY YOU HAVE LOST YOUR CARD" !!!! They have introduced a live text chat which is excellent while sitting in your hotel room in EL NIDO. ONE MORE THING... DONT request a second card. Tried twice..."SORRY NO RECORD OF APPLICATION". Gave up. My rating really only considers Annual Fee and customer service.
Recommends this cardLatitude Financial issue the Gem Visa, Go MasterCard, 28 degrees MasterCard, Myer Visa card, Myer card, CreditLine, Latitude MasterCard, Buyer's Edge cards. Unfortunately Latitude decided to implement fees to pay off cards. Contacting them via their 1800 number invariably results in being disconnected before getting to speak to anyone and submitting their e-forms fails. The customer portal website to view transactions and pay off balances is frequently offline and they do not bother to notify on their social media or on the website.
Does not recommend this cardI tried to get this card 2 years ago. Despite having assets of over $2 million, having almost zero debt and having a credit rating which few people could come close I was denied the card. The reason: I was retired and did not qualify on an income basis. This is the first time in over 45 years I have been refused a banking product. I now have a Citibank debit card which does the job I need. GE needs to get with the times and value customers with a lifetime track record.
Recommends this cardFantastic card to travel & if you load it up before you go & pay it off before interest charges are incurred it costs you nothing. Only disadvantage is that you can't lock in the exchange rate like you can with cash cards but on the plus side you can get cash in any currency you need. Wouldn't travel without it!
Recommends this cardThis 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 cardI got the 28 degrees after a heads up from a friend. I travel a lot and wanted to save on using my card overseas. This card means I can save some serious money on fees no currency conversion fees, and no fees for taking money out overseas either - sweet. More people should know about this
Recommends this card
Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
Recently Asked Question
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question271 questions (showing the latest 10 Q&As)
Can I apply for two cards for my wife and me, but linked to the same account?
Hi Peter, yes you should be able to do this and have your wife as a secondary card holder. You can get up to 9 additional card holders at no extra cost.
Can I use my 28 degrees card on purchases in AUD dollars, or will I be charged?
Hi Taylor, if overseas or buying in Another currency it will be in the non-AUD amount. Though this will be converted to an AUD amount at the time of purchase. Never opt to have the amount transferred to AUD when overseas by shops or hotels. This rate would be much worst. Best to pay in the local currency with 28 Degrees.
I am a retiree on a pension and I have been declined a 24 Degree cc....despite the fact that I have several hundred thousand dollars available to me.
Please explain.
Hi Narelle, you would need to speak to 28 Degrees credit card customer service to find out the reason for the decline. I would suggest you stick to the bigger banks or AMEX. If you are looking for a no foreign fee card then check out the ANZ Rewards Travel Adventure. Make sure you meet any minimum requirements before applying such as income. Income could be in the form of super payments etc. I would go into branch if you can and speak to someone.
Hi Roland can you advise why three times now I have tried to pay off my card using my bank account only to be advised “this feature is not current toy available” try agai later. It is very frustrating to have to rememb to log in again, possibly get the same response and run the risk of paying late. Cheers Sharon
Hi Sharon, you would need to reach out to 28 Degrees customer service on this one. I can understand how it can be frustrating. I myself have not had a problem with this feature but use the card very infrequently.
I just want to check I understand this card right as Ive been looking into travel cards to go to america in a couple of weeks (i may have left it too late to apply?) So with this card I dont need to worry about the current daily exchange rates? My bank accounts are NAB- do I just transfer into this card the amount I estimate paying whilst away? Or use it as a CC and wait for my statement at the end of the month? If so what will my credit limit be?
Many thanks
Hi Amanda, it will be tight to apply, get approval and have the card delivered but its still possible. This card using the Mastercard exchange rate. I have found it always is a very good rate. You can login online to see your transaction and pay them off when you can online also. I would check every few days online when away (if possible). 1, to monitor your own spending and 2, to check for any unauthorized transactions. Your credit limit is provided at the time of application based on the details provided. The minimum limit you can get approved for is $6,000.
I have a 28 Degrees Mastercard. If I make an ATM cash withdrawal overseas does interest get charged immediately or only after the 55 days have elapsed and I have not paid the account balance in full?
Hi Bill, any cash advances made on a credit card will attract interest from day 1. If you are in debit balance at the time though. Then no interest is charged on the cash advance. Though you would be still hit with the cash advance fees. I typically load a bit of extra money on the card to pull out cash when I arrive.
Hello i am intrested in the card. I will be going overseas on july. If i do get the card know will i be charged if i dont use it by July?
Hi Gabriel, this is a no annual fee card. You will not be charged if you don't use it by July. Best of luck with your 28 Degrees credit card application.
Is there any complimentary travel insurance coverage for domestic travel (within Australia) when airfares are paid with the 28 degrees platinum mastercard?
Hi Damien, there is no travel insurance with the 28 Degrees card. You will need to look outside of this credit card for overseas travel insurance.
Please advise the salary I must earn to be approved for this card
Hi Yan, there is no minimum income requirement guidance provided by 28 Degrees Mastercard for credit card applications. You must be at least 18 years of age and a permanent resident of Australia to apply. Provide the following:
Email address, Your employer's name and contact number, Driver’s licence, passport or proof of age card Details of your income, assets and liabilities.
Are there any charges for setting up direct debit I.e using the card to automatically pay my bills ?Also is there a charge for the balance to be paid automatically from my bank account?
Hi, the 28 Degrees Mastercard has some standard payment handling fees of $2.50 (in person), $0.95 (online). You can avoid this fee by making your payments via mail, direct debit or via the Online Service Centre. There is no fee from 28 Degrees for using to pay your bills. Though your bill provider may charge a fee for using a credit card with bpay.
I'm still confused about cash advance withdraws? Is it a normal cash withdraw from a ATM? Could you please give me an excample? If I withdraw 100€ how much on top of that will I pay? Thanks
Hi Mary, yes it is a normal ATM withdrawal. The fee is 3% of the transaction value. So in your example it would be 3€ with the 28 Degrees. If you are looking for a card that waives cash advance fees overseas plus has no foreign fees. Check out the ANZ Rewards Travel Adventure credit card. It also includes travel insurance plus has a rewards program with points earning. This is my favourite card right now for travel.
Similar Credit Cards
Apply by 30 Apr 19
Peter Smith
17 March 2019Roland
18 March 2019Taylor
13 March 2019Roland
14 March 2019Narelle
27 February 2019Roland
28 February 2019SharonJ
23 February 2019Roland
25 February 2019Amanda
18 February 2019Roland
18 February 2019Bill P
5 February 2019Roland
5 February 2019Gabriel Magiakis
2 February 2019Roland
4 February 2019Damien
2 February 2019Roland
4 February 2019Yan
10 December 2018Roland
11 December 2018S.atkinson
10 November 2018Roland
12 November 2018Mary Giakoumelos
22 October 2018Roland
22 October 2018