- No annual fee
- No international transaction fees and currency conversion fees on overseas and online purchases
- Up to 55 days interest free on purchases
- 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
- Free comprehensive travel insurance; Limited time offer from 13 December 2021 to 31 July 2022. T&Cs apply.
- Latitude Pay Any Way offers you the convenience and security of paying with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay and Garmin Pay
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Latitude Financial Credit Cards
Latitude 28° Global Platinum Mastercard
Updated 5 July 2022
No annual fee. No fees on overseas purchases when traveling or when shopping online. 0% p.a. up to 55 days interest-free on purchases. Latitude Pay Any Way offers you the convenience and security of paying with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay, and Garmin Pay. Plus, existing customers can enjoy complimentary comprehensive travel insurance for a limited time offer.
T&Cs apply.
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
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline 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.
On top of that, existing customers can enjoy complimentary comprehensive travel insurance for a limited time offer however, it's important to note that there are some criteria that needs to be met to activate the coverage:
- Be a Latitude 28° Global Platinum Mastercard customer aged between 18 and 75 years old
- Spend at least $1,000 or more on flights directly with an airline or via a travel agent in a single transaction between 13 December 2021 and 31 July 2022 using your Latitude 28° Global Platinum Mastercard
Make sure you review the terms and conditions for the full details on the coverage so you can decide whether the insurance offered is suitable for you.
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.
What are users on Reddit saying?
- Just put everything on the 28 Degrees. This is what we do while overseas.
- Pay with 28 degrees wherever you can
- People usually recommend a credit card for things like hotels and car rentals as those sometimes to put a large deposit on the card (which are returned), but it means that you don't have access to your available balance during that time. For day to day either is fine (just make sure to pay off your credit card bill in full when you use 28 degrees!)
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 limit $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 8 at no extra cost
Foreign transaction fee 0%
Minimum repayment 3% or $25 (whichever is greater)
Cash advance fee 3% or $4 (whichever is greater)
Late payment fee $35
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
Free Global Wi-Fi
Flight Delay Pass
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
- Free comprehensive travel insurance; Limited time offer from 13 December 2021 to 31 July 2022. T&Cs apply.
- 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
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 a our credit card expert a question.
Ask a question403 questions (showing the latest 10 Q&As)
If I do not put cash in advance on the card can I while overseas borrow cash with the card? And if that is possible do I start to pay interest from the day I borrowed the cash?
Hi Maurice, it sounds like you’re aware that the “pre-loading hack” that was once available with this credit card no longer is a feature sadly. However, you can still use the Latitude 28° Global Platinum card to get cash while overseas. Just make sure you have enough credit limit on your card and you make the transaction at an ATM with a Mastercard logo on it. Please note though that even though there are no foreign transaction and currency conversion fees, you will cop a 3% or at least $4 ATM fee. Also, as you mentioned you’ll start accruing interest on the day you get cash out of the machine.
Hi Am I able to load Euros on the card before I purchase anything
Hi Francesca, any money you pay to the 28° card, will be in AUD. If you’re overseas and make a purchase in EUR, you won’t be charged a foreign transaction fee. If you’re travelling and want to preload funds to your card, you could consider the Citi Global Currency account. Have a great trip!
Hi, I need to pay a tuition fee of three times of my current credit limit for an overseas university. Can I just pay with my card details? Will there be any charges incurred?
Hi Rom, you can actually only use your card up to the current available credit limit at that time of transaction. If you’re maxed out, new or other transactions like your tuition fee, won’t go through.
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Sylvester V
19 September 2021When shopping online in any currency other than AUD, I get exactly the same or better rates than what google shows when searching conversion rates. Easily saving close to 4.5% in additional currency conversion fees that other providers charge. This makes up for lack of a rewards program by a huge margin. Latitude does run some promos now and then for cashback etc. which are quite good. A must have card in your toolkit if shopping in any currency other than AUD.
Recommends this cardJohn 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