50% Patrick | 12 July 2018
Been using this card for years all over the world. Works perfectly. Now also use it using Samsung Pay without any issues. Customer Service is a call away with reasonable call response times.
Recommends this card
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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 currency conversion fees
No annual fee
Shoppers Protection option
Free to pay off when using the ‘transfer from my bank’ option
Free Global Wi-Fi at more than 1 million hotspots worldwide
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 21.99% 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 1% 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
- Price Protection: If you buy an item in Australia with your 28 Degrees Platinum Mastercard and within 12 months the item is available at a lower price in the same retailer or any other Australian retailer, we’ll pay the difference between the purchase price and the lower price to your account, up to $1,000 per item
- Merchandise Protection: This means if your item is lost, stolen or damaged within 12 months of its purchase, we'll pay the cost of repair or replacement to your account, up to $2,000 per item.
- 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.
- 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. Add an additional card holder at no extra cost.
Free Global Wi‑Fi
Enjoy fast, premium quality Global Wi-Fi at more than 1 million hotspots worldwide
74% of customers who have rated this card would recommend it
88% Jake | 24 June 2018
This card is still great for travel assuming normal use. I can't speak for the preloading and cash withdrawal aspect, but I use another bank for this anyway, so don't need it. It's a little odd that a few people havent quite worked out how to pay their balances off without incurring the $0.95 fee, but there are options such as direct debit/ account transfer. It's dead simple to avoid any fees. Have used the purchase protection several times in Aus on large items which later went on sale that year. Saved about $200 each time, so well worth having.
Recommends 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. |
| Additional cardholder fee | Up to 9 at no extra cost |
| 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 | Yes |
| 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 at more than 1 million hotspots worldwide | |
| Eligible with Apple Pay, Samsung Pay and Google Pay |
28 Degrees Platinum Mastercard
The 28 Degrees Platinum Mastercard won the 2015, 2016, 2017 and 2018 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 1% (max of $50) of your closing balance. You get price protection (up to 12 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.
285 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 responsePros and cons
- One of only a few that offer no international transaction or currency conversion fees.
- Platinum Concierge Service 24/7
- No currency conversion fees
- No annual fee
- Shoppers Protection option
- Free to pay off when using the ‘transfer from my bank’ option
- Free Global Wi-Fi at more than 1 million hotspots worldwide
- 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 21.99% p.a.
- 3% or at least $4 ATM Fee when travelling internationally and taking as a cash advance, even if in debit
Creditcard.com.au review
Editor Review
28 Degrees Platinum Mastercard
The 28 Degrees Platinum Mastercard won the 2015, 2016, 2017 and 2018 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 1% (max of $50) of your closing balance. You get price protection (up to 12 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.
User reviews
Been using this card for years all over the world. Works perfectly. Now also use it using Samsung Pay without any issues. Customer Service is a call away with reasonable call response times.
Recommends this cardThis card is still great for travel assuming normal use. I can't speak for the preloading and cash withdrawal aspect, but I use another bank for this anyway, so don't need it. It's a little odd that a few people havent quite worked out how to pay their balances off without incurring the $0.95 fee, but there are options such as direct debit/ account transfer. It's dead simple to avoid any fees. Have used the purchase protection several times in Aus on large items which later went on sale that year. Saved about $200 each time, so well worth having.
Recommends this cardCan’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 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 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 cardRates and 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 Up to 9 at no extra cost
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 Yes
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 at more than 1 million hotspots worldwide
Eligible with Apple Pay, Samsung Pay and Google Pay
Overview
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 1% 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
- Price Protection: If you buy an item in Australia with your 28 Degrees Platinum Mastercard and within 12 months the item is available at a lower price in the same retailer or any other Australian retailer, we’ll pay the difference between the purchase price and the lower price to your account, up to $1,000 per item
- Merchandise Protection: This means if your item is lost, stolen or damaged within 12 months of its purchase, we'll pay the cost of repair or replacement to your account, up to $2,000 per item.
- 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.
- Stolen Card Protection: If your 28 Degrees Platinum Mastercard is stolen, you will get $200 to your account for the inconvenience.
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
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 Questions
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question285 questions (showing the latest 10 Q&As)
Hi, what is the minimum income needed for applying for this card ?
Hi Trish, they do not provide us with guidance on this. I would suggest at least $25,000 in income to apply for this card.
is the 28 deg card accepting SMSF applicants
Hi John, I assume you are asking whether the 28 Degrees can see SMSF income as income? Provided that you meet all minimum requirements. They should be able to see your SMSF payments as income. Though I am not sure particular with the 28 Degrees. You can have a go and see. Then if not you would need to look at more mainstream banks. With no foreign fees, I like the ANZ Rewards Travel Adventure. The extra features such as reward points earning and overseas travel insurance. Drive then better value than the no frills 28 Degrees. ANZ are much more likely to take the SMSF payments as income as well.
I will b travelling internationally for 8 months, what would be a good card to get to book flights, accommodation etc preferably one with no international transaction fee but has decent rewards for using the card? Thanks
Hi Luke, have a look at the ANZ Rewards Travel Adventure. Good rewards program, no foreign fees and has up to 6 months travel insurance. With the 28 Degrees, you get no extra features or rewards points earning. With the Travel adventures you also get no cash advance fees while overseas which can be a real bonus.
How do l get a card please
I'm still confused re interest on "cash advances'.
If I add say $5000 onto my card, and withdraw $1000 from an ATM- I get that I pay 3%, but 28 Degree card perswon told me I still pay interest from the date that transaction is posted, even though it is my money. Is this different depending on whether I have made any purchases and thus are using up some of my credit limit? The customer service person ket repeating that it is a credit card, and thus regardless, interest is charged on ANY cash withdrawal from the moment that even is posted.
Hi Margaret, the customer service person just didn't understand how interest works. Naturally you will not pay any interest on a debit balance. If you pull out cash from your card, as I have many times overseas. You will be charged the cash advance fee on the amount. Though as you are in debit and if you are still in debit post the cash advance. Then you will not pay any interest on it. As it is like you paid if off straight away. You can only be charged interest when in credit.
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