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Latitude 28° Global Platinum Mastercard
Latitude 28° Global Platinum Mastercard

Latitude Financial Credit Cards

Latitude 28° Global Platinum Mastercard

Updated 4 November 2019

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

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 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

  • 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. 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 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

Latitude 28° Global Platinum Mastercard ( based on 34 Creditcard.com.au user reviews )

74% rating based on 34 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

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
  • 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
  • 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
  • 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.

304 questions (showing the latest 10 Q&As)

Anuj Bhandari

Anuj Bhandari

4 November 2019
Hi There, I am a temporary resident (living here since last 8 months and for at least 3 years). Am I eligible to apply for this? While attempting to apply, it asked for previous address which i don't have. Since i need to be on travel to United States next week, just wanted to know if this can be my option. Thanks, Anuj
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 November 2019
    Hi Anuj, I think this card may be hard to get approval as a temp resident. You would need at least 9 months left on your Australian visa. If you have and meet the other minimum income requirements. You can apply for the ANZ Rewards Travel Adventure. Great bonus points and points earning on your spend. Extra benefit of no overseas cash advance fees.
s

s

25 October 2019
how can i apply for this Latitude 28 Degrees Global Platinum Mastercard
Rob

Rob

18 October 2019
Can a self funded retiree apply for a Latitude 28 Degrees Global Platinum Mastercard?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 October 2019
    Hi Rob, I think it would be difficult to get approval with Latitude. I would stick with the bigger banks for approval. Have a look at the ANZ Rewards Travel Adventure. I know the annual fee is there. Though this can be easily offset by the return Virgin Flight. The benefit hear is the huge bonus points and points earning on spend as well.
Vicky

Vicky

2 October 2019
Can I disable international purchases on line for this card? I like that safety feature that I have with another supplier and wondering if this is possible?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 October 2019
    Hi Vicky, I have not heard of being able to disable international purchases on a credit card. Especially this card which is designed for international purchases. I would give Latitude 28 Degrees customer service a call and discuss with them. I assume that it should be possible to block. Though will depend on how they can do it. Some merchants in Australia still process their card overseas. So being successful may make it not possible to make some payments with merchants here if international transactions are blocked. This can be more the case when buying online.

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