Latitude 28 Degrees Mastercard reviewed by CreditCard.com.au

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

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.

Latitude 28 Degrees 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.

Latitude 28 Degrees 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

What's great...

What's not so great...

Overall

amith

7 September 2019

Would i be able to use this card in India and also use this for indian local apps like book my show,uber,swiggy etc Thanks

Roland

9 September 2019

Hi Amith, you can use this card anywhere that Mastercard is accepted. Therefore you should not have a problem when in India. In regards to the local apps. This should be fine as well. I assume you will take your phone with you. You can also use the 28 Degrees with Apple, Samsung and Google Pay.

Karen

5 September 2019

Can i still preload this credit card to pay for accommodation and hire a car in croatia

Hi Karen, you can prepay. Though when your card is in debit you lose the extra fraud protections. That is, if your cash is stolen when in debit on your card. You are not covered by the normal credit card protections. I myself, load cash on my 28 Degrees when I travel. Though I only load over just what I need, when I need.

Kandi Rahmat

28 August 2019

Iam student in Australia, can I apply?

Hi Kandi, if you have a job then you could be a student and qualify. You must be at least 18 years of age and a permanent resident of Australia. Able to supply a copy of your driver's licence, passport or proof of age card, details of your income, assets and debts plus employer’s name and contact details

Jill

26 August 2019

I’m The cons do you only pay if you get a cash advance

Hi Jill, you definitely pay that if you get a cash advance, even if you are in debit. If you pull out money from an ATM. This is a cash advance.

I’m confused about one of your answers. If I’m overseas and I use my card to To purchase a gift of $500 how much would it cost me in fees all up and if I pay my card of completely

Hi Jill, if its a purchase and not a cash advance. You should no fees. I use my 28 Degrees when I travel and purchase in overseas currencies. Make sure they don't try to get you to pay in AUD at the point of sale. Just pay in the local currency as this card is foreign / currency conversion fee free.

Bill

16 August 2019

Hi Ronald, How can I load money onto my 28 Degrees Platinum Credit Card to put it into Debit so that I can use it to withdraw cash?

19 August 2019

Hi Bill, you just do it like making any other payment off the card. You can bpay (at a fee of $0.95 online) or for fee free. Log into your 28 Degrees online service centre. From the My Account menu - click Pay my account. Provide your details of the bank account to transfer from. Then away you go.

Kat

14 August 2019

Hello, I am looking at an option of a card/travel card for going to Europe (UK, Poland, Romania, Hungary) with a stopover in Thailand. This seems really good in terms of putting things on credit and then paying it back within the days given before getting charged interest - totally doable. If not, is that the 21.99% purchase rate? I don't have a lot to do with these cards, so I'm confused about the rates charged when I would withdraw money - is this a cash advance at 21.99%? Also, as we're travelling to 4+ countries each with their own currency, can I just use the card here and charge everything to it and it won't charge conversion rates? Thanks in advance!!

15 August 2019

Hi Kat, yes cash advance rate when you take money out when in credit. Also cash advances attract interest from day 1. Plus you are hit with a 3% cash advance fee. All and all not great. I do sometimes load money on my 28 Degrees. Putting the card in Debit. Then I pull out cash. I still get hit with the 3% fee. Though I am not hit with high interest. 28 Degrees is a good option for travelling if you dont pay interest. At 21.99%, this is huge and would out weight any savings from no FX fees. The Bankwest Zero in its Platinum version also comes with overseas travel insurance. This makes it an even better card. It has a high minimum income of 65k though. Which puts it out of reach for many people.

Lorraine

13 August 2019

Can we get a 28 degree master card if we are retired. Thanks

Hi Lorraine, Latitude do not see the pension as income. Therefore you would need other income to apply for this card. I suggest sticking to the major banks. They can see the pension as income.

Nat

12 August 2019

Is this card underwritten by Bankwest?

Hi Nat, no this is Latitude Financial. They purchased the card a few years back from GE Money. They are backed by Värde Partners, KKR and Deutsche Bank.

Sandy

30 July 2019

If I make a cash withdrawal at an ATM overseas is there a fee? Using 28 degrees Platinum MasterCard

Hi Sandy, yes there is a fee and it applies whether you are in debit or credit. It is a cash advance fee, which is 3%. There would likely be foreign ATM fees as well. I have used my 28 Degrees card to pull out cash overseas myself. I load a bit of cash on and pull it out that way. Even with the fee, the much better exchange rate meant I saved over 5% when compared to pulling cash from my CBA keycard.

Pamela

23 July 2019

I have a personal 28degreescard. Are we able to get a 28degreescard for our business Await your reply

24 July 2019

Hi Pamela, this is a card for personal use only. A business cannot apply for this card. I have checked and I do not know any business card that has no foreign fees. You should just be able to use your 28 Degrees. Though you will be personally liable, rather than the business for any outstanding amount.

Suskia

18 July 2019

I am going overseas on a student working visa and I’m thinking about getting the 28 degrees card because I’m very impressed with it. I was wondering how long it would be valid for so I don’t need to worry about renewing it.

20 July 2019

Hi Suskia, they typically have around a 3-5 year expiry date. Checking mine in my wallet now. It expires late in 2022 and I received it some time ago. Therefore you should be good for a number of years.

Ian

17 July 2019

I am retired (since July 2018). Can I apply for a credit card

Hi Ian, I think its harder to get approved with the 28 Degrees but you could have a go. Bottom line is you need to at least meet the minimum income requirements to apply. They are unlikely to see the pension as income. Therefore it would need to be income from super payments or other forms of income.

Trish

5 July 2019

Hi, what is the minimum income needed for applying for this card ?

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

4 July 2019

is the 28 deg card accepting SMSF applicants

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

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

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

18 June 2019

How do l get a card please

19 June 2019

Hi Michael, you can apply directly through this link. Good luck with your application.

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.

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.

50%

Patrick

12 July 2018

88%

Jake

24 June 2018

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

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.

55%

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.

82%

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!

80%

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!

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

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
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

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Latitude 28 Degrees Global Platinum Mastercard

Purchase rate

Balance transfer

Annual fee

Pros & cons

No international transaction fees on purchases

No annual fee

Free Global Wi‑Fi

User reviews 33 reviews

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Latitude 28 Degrees Global Platinum Mastercard