- 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
- 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
- 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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Latitude Financial Credit Cards
Latitude 28° Global Platinum Mastercard
Updated 23 January 2020
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.
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 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
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 9 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 Yes
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, 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
- 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
- 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.
- 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.
- Fraud Protection Cover
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 question327 questions (showing the latest 10 Q&As)
I am trying to become an ADDITIONAL CARDHOLDER but for 2 days your website will not accept the form, error message keeps showing. When will the site be up & running?
Hi David, we are not Latitude Financial. We are a credit card comparison site. Reach out to them directly and they will be able to assist. https://28degrees-online.latitudefinancial.com.au/access/cards/28DegreesMasterCard/contactus.html
do I put different currency's on the card or just aud and it automatically changes the currency to which country I'm in?
Hi Trevor, just AUD and it automatically change the currency to which country your in.
What conversion rates will be applied to convert my overseas purchases, in any country, into Australian dollars, for payment?
Secondly, how do I know how your daily conversion rate compares to the Australian dollar?
Hi Barbara, have a look at the Mastercard exchange rate - https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html
If I do a cash advance while overseas does this incurr a fee?
Hi Vicki, yes, you always pay fees on cash advances and start paying interest from day 1 until paid off.
how does Samsung pay work?
Hi Vicky, check this page on the Samsung site. https://www.samsung.com/us/support/answer/ANS00045102/. It works similar to say PayWave but works through the mobile.
is it possible to load money onto the card prior to departure
Hi James, you can load money on the card anytime. Even when you are overseas through bpay or through the online service centre (no $0.95 fee).
Hi I am already with the 28 degree credit card(normal card) can I change to this card.
Hi Sharath, it is the same card, just rebranded. Once your current card is close to expiring. You will be issued with the new look card. Both have the same features.
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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.
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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
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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 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.
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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.
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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!
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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
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