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Purchase rate

21.99% p.a.

Balance transfer

N/A

Annual fee

$0 p.a.
0% Complete (success)

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.
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No international transaction fees on purchases

Pay no fees on overseas purchases when travelling or when shopping online

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No annual fee

With this card you also pay no annual fee ever. Add an additional card holder at no extra cost.

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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
  • Rates
    60%
  • Fees
    71%
  • Rewards
    N/A
  • Customer Service
    68%
  • Value
    65%
Overall user rating 68%
23 reviews

50% Patrick

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

88% Jake

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)

Trish

Trish

5 July 2019
Hi, what is the minimum income needed for applying for this card ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2019
    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.
john

john

4 July 2019
is the 28 deg card accepting SMSF applicants
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 July 2019
    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.
Luke

Luke

3 July 2019
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 July 2019
    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.
Michael Briffa

Michael Briffa

18 June 2019
How do l get a card please
Margaret

Margaret

16 June 2019
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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 June 2019
    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.
  • 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
28 Degrees Platinum Mastercard
28 Degrees Platinum Mastercard

28 Degrees Platinum Mastercard

Updated 18 June 2019

Purchase Rate (p.a)

21.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros 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

28 Degrees Platinum Mastercard ( based on 23 Creditcard.com.au user reviews )

68% rating based on 23 reviews

Rates
Fees
Rewards
Customer Service
Value
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
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
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
66%

CreditCard.com.au Visitor

7 December 2017

ABSOLUTELY 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 card
55%

CreditCard.com.au Visitor

23 September 2016

I 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 card
82%

CreditCard.com.au Visitor

11 September 2013

Fantastic 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 card
80%

CreditCard.com.au Visitor

14 May 2013

This 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 card
74%

Francine Smart

28 January 2013

I 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

Rates 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

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.

285 questions (showing the latest 10 Q&As)

Trish

Trish

5 July 2019
Hi, what is the minimum income needed for applying for this card ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2019
    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.
john

john

4 July 2019
is the 28 deg card accepting SMSF applicants
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 July 2019
    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.
Luke

Luke

3 July 2019
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 July 2019
    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.
Michael Briffa

Michael Briffa

18 June 2019
How do l get a card please
Margaret

Margaret

16 June 2019
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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 June 2019
    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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