Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

N/A
Latitude 28° Global Platinum Mastercard
Latitude 28° Global Platinum Mastercard

Latitude Financial Credit Cards

Latitude 28° Global Platinum Mastercard

Updated 9 June 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

$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 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 42 Creditcard.com.au user reviews )

64% rating based on 42 reviews

Rates
Fees
Rewards
Customer Service
Value
98%

josh

6 February 2020

Being 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 card
38%

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
97%

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
99%

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
50%

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 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 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 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

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.

357 questions (showing the latest 10 Q&As)

Mal

Mal

8 July 2020
Hi Andrew, Can I have additional card holders?
Andrew

Andrew

6 July 2020
I just saw that I have been changed a late fee for not paying on time. I have never missed a payment before, I just had my 3rd child and my wife was in hospital for a longer then expected time and I has been running around with the other 2 kids. Are you able to remove this late fee?
Terry

Terry

22 June 2020
Hi, can you confirm if I am able to reduced my 28 Degree Credit card limit to $5000 if it is a platinum mastercard? I am applying for HL finance and they have confirmed this is the maximum i can have as a c/card Limit
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 June 2020
    Hi Terry, the 28 Degrees has a minimum $6,000 limit. As a minimum limit, this is the lowest it can go. The only solution would be to cancel your Latitude Card. Then look to get another card in the future to replace it. Or go back to HL and let them know that the minimum is 6 and that is all you can do.
Hira Mehra

Hira Mehra

16 June 2020
How to log in your account
Gerhard

Gerhard

6 June 2020
Hi I´m Gerhard I live in Germany an visit my family in Camberwell every year. i´ve an account at an australian Bank and look for a fee free international credit card. Is it possible to get your card in connection with ma australian account ? thanks for answering Gerhard
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2020
    Hi Gerhard, you need to be residing in Australia to apply for an Australian credit card. Additionally you would need income from Australian sources. Having an Australian bank account is not a minimum requirement for any credit card. This card requirements are. To be eligible you must be: At least 18 years of age and a permanent resident of Australia.
Shane taylor

Shane taylor

27 May 2020
What is the tap and go limit .how long before I receive my card after I apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2020
    Hi Shane, application processing has slowed in covid-19. I would expect 5-10 working days from approval. Tap and go limit is current still $200 with a range of major stores. Many stores are still on $100.
Maxwell

Maxwell

21 May 2020
Where do I apply
Rashmin

Rashmin

7 May 2020
I am an international student, can I apply for this?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 May 2020
    Hi Rashmin, you need to be a permanent resident to apply for this card.
Debbles

Debbles

2 May 2020
Hi Roland, I booked over $10k on my card for a group to go to Bali this month and paid the card off straight away. Now with Covid19, all the accommodation and flights are being refunded to my card. Am i able to withdraw that money without being penalised with cash advance charges ??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 May 2020
    Hi Debbles, you still get hit for the cash advance fee even if you are in debit. I have tried this before on my 28 Degrees card. The only have to use it without charges would be make further purchases on the card.
David Booby

David Booby

30 April 2020
I need a email address to send my tax return to , to verify my income
Rhona Carlson

Rhona Carlson

29 April 2020
I am already a current cardholder. It wont accept my password and even though I have tried to reboot is as instructed I have had no reply. My account is due on 1st May and I would like to pay it. Please advise.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 April 2020
    Hi Rhona, you can make payment via bpay - Use biller code 150615. Then as reference use your card number. This does attract a $0.95 fee. Though this is much better than a late payment. You can try and get hold of latitude through their customer service. Though I know they are struggling with COVID at the moment.
Neil

Neil

22 April 2020
I would like to pay someone online into their bank account from my 28 degrees account.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2020
    Hi Neil, this would be a cash advance. There is no way to do it through your 28 Degrees card direct. You would need to go to an ATM or bank. Then pull out the cash. Then put it into their bank account. Or longer, put in your bank account, then transfer online to them.
Michael Haroway

Michael Haroway

15 April 2020
I have a CREDIT balance in my 28Degree credit card. How can I TRANSFER this credit balance to another bank's everyday account??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 April 2020
    Hi Michael, not sure. You can go into your bank and get cash out from the card. Then deposit that into the bank account you wish. When you say credit, I assume that you mean debit. That is you have more money on the card than your credit limit. All cash transactions will be hit with cash advance fees. You could reach out to 28 Degrees credit card customer service. Then see if they could put any amount you are in debit to another bank account.
Melissa

Melissa

14 April 2020
How do I find the BPAY details for my 28 degrees mastercard?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 April 2020
    Hi Melissa, To make a payment, use the Latitude 28° Global Platinum Mastercard Biller Code (150615), and your credit card number as the reference number.
Barry

Barry

6 April 2020
What is the current limit on any tap and go purchase? .
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 April 2020
    Hi Barry, I read that they have increased the tap and go limit to $200 now. This is just while Convid19 is active.
Regina

Regina

2 April 2020
How long does it take to get the refund from 28 degrees credit card to a bank account? It already appeared in my credit card statement as an EFT refund dated March 20, 2020 but I have not received the money in my bank account yet.
Peter

Peter

27 March 2020
Which bank atms can I use to withdraw money from card. My card is currently in credit regards
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 March 2020
    Hi Peter, any ATMs that accept Mastercard which tend to be nearly all of them. You can also go into the bank and pull money out. Best to go to a branch where you bank at to ask them but any should do it.

Similar Credit Cards

ANZ Low Rate Credit Card – 0% Balance Transfer

60 reviews
$0 saved over 22 months
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.