- No international transaction fees
- No currency conversion fees
- No annual fee
- Flight Delay Pass gives you and four friends access to airport lounges, drinks and Wi-Fi if your flight is delayed
- Free to pay off when using the ‘transfer from my bank’ option
- Free Global Wi-Fi at more than 1 million hotspots worldwide
- Free emergency card replacement worldwide
- Latitude Pay Any Way offers you the convenience and security of paying with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay and Garmin Pay
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Citi Simplicity Credit Card
0% p.a. on Purchases and Balance Transfers
No annual fee or late fees. No BT fee applies, reverts to the cash advance rate.
Latitude Financial Credit Cards
Latitude 28° Global Platinum Mastercard
Updated 21 January 2021
No fees on overseas purchases when travelling or when shopping online. Latitude Pay Any Way offers you the convenience and security of paying with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay and Garmin Pay.
Purchase Rate (p.a)
21.99%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$0
Pros and 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
Creditcard.com.au review
Editor Review
Latitude 28° Global Platinum Mastercard
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
Latitude 28 Degrees Global Platinum Mastercard
The Latitude 28 Degrees Global 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 a Flight Delay Pass gives you and four friends access to airport lounges, drinks and Wi-Fi if your flight is delayed.
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 Latitude 28 Degrees Global Platinum Mastercard.
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
Rates and fees
Interest rates
Purchase rate 21.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period 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 1 at no extra cost
Foreign transaction fee 0%
Minimum repayment
Cash advance fee 3%
Late payment fee $30
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
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
Flight Delay Pass gives you and four friends access to airport lounges, drinks and Wi-Fi if your flight is delayed
Eligible with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay and Garmin Pay
Overview
Latitude 28° Global Platinum Mastercard
The Latitude 28 Degrees Global 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 Latitude 28 Degrees Global Platinum Mastercard also comes with Mastercard PayPass, CHIP technology 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
- Flight Delay Pass gives you and four friends access to airport lounges, drinks and Wi-Fi if your flight is delayed
- Free Global Wi-Fi at more than 1 million hotspots worldwide
- Free emergency card replacement worldwide
- Latitude Pay Any Way offers you the convenience and security of paying 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
-
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 question363 questions (showing the latest 10 Q&As)
Just wondering if the card provides Internation travel insurance when used to purchase flight tickets.
Thanks for your assistance in advance.
Susan
Hi Susan, the 28 Degrees has no domestic or international travel insurance available. Have a look at the Bankwest Zero Platinum. It has a high income requirement to get Platinum but is the best card in market with its features.
Does the Latitude 28 Global Platinum Mastercard have a chargeback facility and what is the allowable time period after the transaction date. (in relation to a purchased flight not able to be taken due to COVID-19)
Hi Vanessa, yes, all credit cards have ability to charge back. Reach out to 28 Degrees customer service to dispute the charge and go through the process. The time period, I am not sure of. This is something that they can look into.
Looking to get a credit card. I am an Australian resident. I require an addition card linked to my credit card for my wife who is in Vietnam (not an Australian resident yet), is this possible?
Hi Graham, assume you live in Australia and are earning income here. You should be able to get a card for your wife (additional card holder). Her residency status should not be a problem. I would not mention that she is currently overseas when you apply. I assume they would want her to reside with you and will send the card there.
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John Nguyen
13 July 2020I 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 cardShoaib
10 June 2020I travel a lot. Love the no annual fee and no overseas fees. Great card if you clear the balance off within 55 days
Recommends this cardjosh
6 February 2020Being a no annual fee & no foreign transaction fee card make it a no brainier choice. Be careful about the high interest rate though.
Recommends this cardPatrick
12 July 2018Been 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 cardJake
24 June 2018This 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 cardGreg
18 May 2018Can’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 cardCreditcard.com.au Visitor
7 December 2017ABSOLUTELY EXCELLENT FOR OVERSEAS. PAYING IN LOCAL CURRENCY. 95c charge when I pay off full balance when I get home, BIG DEAL! HOWEVER !!!!!!!! The online 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 cardCreditcard.com.au Visitor
23 September 2016I 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 cardCreditcard.com.au Visitor
11 September 2013Fantastic 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 cardCreditcard.com.au Visitor
14 May 2013This 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 cardFrancine Smart
28 January 2013I 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