- Limited-time offer: For new customers approved by 30 September 2025, the card comes with $0 annual card fee in the first year (normally $96), plus up to $340 in Latitude Rewards. This includes a $100 bonus when you spend at least $1,000 on eligible purchases per statement period in the first 3 months, plus ongoing rewards of up to $240 each year when you spend on eligible international and local purchases.
- Waived fees: No international transaction fees or currency conversion fees on overseas and online purchases. No annual fee in the first year under the current offer (normally $96). No fees for online payments except BPAY.
- Travel perks: Flight Delay Pass gives you and up to 4 companions access to LoungeKey lounges with food, drinks, and WiFi if your registered flight is delayed by at least 2 hours. If no lounge is available, you may receive airport dining credit instead. Foreign exchange rates are set by Mastercard, giving competitive rates worldwide.
- Shopping perks: Access Latitude credit-back offers, discounts, and promotions from major brands in Australia and overseas.
- Freebies: Flexiroam global roaming with 3GB free data for 15 days each year, plus 15% off additional data plans purchased with the Latitude 28° Global Platinum Mastercard.
- Discounts: Access Mastercard Priceless Specials and Priceless Experiences, offering discounts and deals across travel, dining, shopping, entertainment, and more. You can also receive 10% off selected hotels at Expedia and Wotif (exclusions and T&Cs apply).
- Extras: Add an additional cardholder at no extra cost. Free card replacement is included. Instant digital access is available via the Latitude App once approved. Compatible with Apple Pay, Samsung Pay, Google Pay, Garmin Pay, and Fitbit Pay. Comes with complimentary E-Commerce and Purchase Protection insurance.
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Latitude Financial Credit Cards
Latitude 28° Global Platinum Mastercard
Updated 1 September 2025
Save on every trip with no international transaction or currency conversion fees on purchases, plus Latitude Rewards when you shop at participating retailers. New customers approved by 30 September 2025 will receive the following combined offer:
$0 Annual Card Fee – First year annual fee ($96) waived for new customers.
Up to $340 Bonus Latitude Rewards – Includes $100 bonus when you spend at least $1,000 on eligible purchases per statement period for the first 3 months, plus ongoing rewards of up to $240 each year when you spend on eligible international and local purchases.
Plus, enjoy credit-back offers, discounts from big brands, and travel perks like free global data roaming (3GB for 15 days per year) and the Flight Delay Pass, giving you airport lounge access when your flight is delayed.
Terms and conditions, card fees, and other charges apply. New customers only.
Purchase Rate (p.a)
27.99%
Balance Transfer (p.a)
6.99% for 12 months
3% balance transfer fee applies.
Reverts to 29.99% p.a.
Annual Fee (p.a)
$0 first year. Then $96 p.a.
Pros and cons
- High interest rates of 27.99% p.a. on purchases and 29.99% p.a. on cash advances
- Annual card fee of $96 applies after the first year (waived in year one under the current offer)
- BPAY payments attract fees ($1.95 online, $3.95 in-person) unless paid via direct debit or Latitude Service Centre
- Cash advance fees of 3.5% or $4 (whichever is greater) apply
Creditcard.com.au review
Editor Review
Latitude 28° Global Platinum Mastercard
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Editor’s Overall Rating
The Latitude 28° Global Platinum Mastercard is suited to frequent travellers and online shoppers who want to avoid paying extra for spending overseas. New customers approved by 30 September 2025 will receive $0 annual card fee in the first year (normally $96), plus up to $340 in Latitude Rewards. This includes a $100 bonus when you spend at least $1,000 per statement period in the first 3 months, and ongoing rewards of up to $240 each year when you spend on eligible international and local purchases.
Extras include shopping discounts and credit-back offers, Flight Delay Pass for lounge access when flights are delayed, and Flexiroam global data roaming. It suits cardholders who frequently travel or shop online internationally and want fee savings combined with perks.
Editor’s Review: What I love about the Latitude 28° Global Platinum Mastercard
The Latitude 28° Global Platinum Mastercard’s main strength is saving money on international purchases. It charges no foreign transaction or currency conversion fees, and also comes with extras like travel discounts and insurance. New customers get both $0 annual fee in the first year and up to $340 in Latitude Rewards – made up of a $100 bonus for meeting spend criteria in the first 3 months and up to $240 each year from eligible purchases.
The high interest rate might seem off-putting, but it only takes a little bit of savvy to avoid interest by using the 55 days interest-free and paying the card off each month. I'll talk more about the interest rates further on.
First, I’ll go through all the extras and how to use them to save money and get better deals.
Get rewarded with e-gift cards. You can earn Latitude Rewards redeemable for eGift cards when you spend at least $1,000 on eligible transactions in each statement period. New customers can choose to earn up to $340 in Latitude Rewards as part of a limited-time offer, but this means forgoing the no-monthly-fee option
✏ Just note: Latitude says "Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Shopper’s Protection premiums, interest and balance transfers into an account". Also note Latitude Rewards expire after 18 months, and you won't earn e-gift cards if your account is in default.
Savings on international fees. You won’t pay any international transaction or currency conversion fees on purchases whether you’re buying something online or in person. You’ll pay as if you’re a local anywhere around the world.
Competitive exchange rates. The foreign exchange rates are set by Mastercard, so you'll access the same competitive rate.
Free global data roaming. This card comes with Flexiroam Global Data Roaming, which is a bundle of perks to keep you connected as soon as you step onto international soil. You’ll get:
- Access to over 580 telcos in 150+ countries
- A Promotional Data plan with 3GB of free data for 15 days every calendar year (and you can share with a fellow Flexiroamer)
- A 15% discount on extra data plans when you pay with your Latitude 28° Global Platinum Mastercard
- 3 SIM options including eSIM, so you never have to take out your Aussie SIM card
Flight Delay Pass. This is a first-class extra that lets you and up to 4 travel buddies use airport lounges (think nibbles, drinks and WiFi) in the LoungeKey network if you register your flight before your flight’s scheduled departure and your flight is delayed by at least 2 hours. Make sure you register your buddy's flights, too.
If there isn’t a lounge, you can instead get a dollar amount off eligible airport dining. The amount varies because of exchange rates, but as an example, you could get AUD$36 off per person at Sydney Airport.
Mastercard uses a third-party flight data tracker called FlightStats to monitor delays. Once your flight hits the 2-hour mark (even if it’s accumulated over several delay announcements) your lounge pass is triggered, which is pretty cool.
Access to specials and cashback. You’ll be able to access Mastercard Priceless Specials and Priceless Experiences, which are discounts and cashback on worldwide brands that include travel, entertainment, art, shopping and sports. Many of these offers are exclusive to Latitude 28° Global Platinum Mastercard cardholders, which is a nice touch.
Travel discounts. You can access 10% off selected hotels at Expedia and Wotif all-year round. Exclusions and T&Cs apply.
55 days interest-free. As long as you pay off the full closing balance on your statement by the due date, you'll be able to use 55 days interest-free on purchases you make from the start of each statement period.
What’s not so great
As much as this card ticks a ton of boxes for travellers, it does have some important terms you need to know about.
First is the interest rate. It’s possibly one of the highest rates out there at 27.99% p.a., but let’s keep it in perspective: this card isn’t designed as a line of credit for large purchases like a dishwasher or 4K tv. It’s a travel tool, and the goal should be to use it to save money while shopping and travelling and pay it off each month. It does that job well.
Next, cash advance fees are charged on international ATM withdrawals even if your card is in a positive balance. Pre-loading your card with cash isn’t a helpful strategy. Pro tip: just avoid withdrawing cash from credit cards in general.
If you’re keen on using the Flight Delay Pass, be aware that you have to register your trip for yourself and you companions before your flight's scheduled departure, and your companions must be on the same flight. You'll need to register each leg of a multi-leg journey separately. You won’t be able to use the lounge if your flight is cancelled or rescheduled because your airline will look after you from there.
Also, note that the current introductory offer combines both: $0 annual fee in the first year and up to $340 in Latitude Rewards. After the first year, a $96 annual fee applies.
Other extras
The Latitude 28° Global Platinum Mastercard comes with E-Commerce and Purchase Protection insurances, which may cover you for the damage or theft of purchases, and from non-delivery or incomplete delivery of online purchases.
Applying for the Latitude 28° Global Platinum Mastercard takes under 10 minutes and you’ll get a response from Latitude within 60 seconds. Once you’re approved, you’ll be able to access your digital card and all the perks instantly using the Latitude App.
User reviews
Rates and fees
Interest rates
Purchase rate 27.99% p.a.
Cash advance rate 29.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 6.99% p.a. for 12 months
Balance transfer revert rate 29.99% p.a.
Balance transfer from personal loan N/A
Balance transfer fee 3% one off
Balance transfer limit N/A
Brands you can't balance transfer from N/A
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $96 p.a.
Additional cardholder fee $0
Foreign transaction fee 0%
Minimum repayment 3% or $25, whichever is greater (Gem Visa, Go Mastercard & Low Rate Mastercard); 2.5% or $30, whichever is greater if closing balance is $30 or more (28° Global)
Annual fee the first year $0
Cash advance fee 3.5% or $4, whichever is greater
Late payment fee $45
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
Flight Delay Pass
Global Data Roaming
Credit back and discounts through Mastercard Priceless Specials and Priceless Experiences
Overview
Latitude 28° Global Platinum Mastercard
The Latitude 28° Global Platinum Mastercard is designed for frequent travellers and online shoppers, offering $0 international transaction and currency conversion fees. For a limited time, new customers approved by 30 September 2025 will receive $0 card fee for the first year, plus up to $340 in Latitude Rewards.
Key features
- Introductory offer for new customers approved by 30 September 2025: $0 annual card fee in the first year (normally $96), plus up to $340 in Latitude Rewards – $100 bonus when you spend at least $1,000 on eligible purchases per statement period for the first 3 months, and up to $240 each year when you spend on eligible international and local purchases
- No international transaction fees or currency conversion fees on purchases
- Flight Delay Pass gives you and 4 friends access to airport lounges, drinks, and WiFi if your flights are registered beforehand and are delayed for at least 2 hours
- Earn Latitude Rewards to spend at a wide range of retailers
- Free 3GB data for 15 days every year plus 15% discount on additional data when you buy it with the Latitude 28° Global Platinum Mastercard
- Complimentary E-commerce and Purchase Protection insurance included
- Instant digital access after approval and sync with Apple Pay, Samsung Pay, Fitbit Pay, Google Pay and Garmin Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident and supply a copy of your driver's licence, passport or proof of age card, details of income, assets and debts, and employer name and contact details
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question36 questions (showing the latest 10 Q&As)
I have $50k in my savings. I have excellent credit rating. I am looking for a Credit card with high limit.
Hi Mo, thanks for sharing a bit about your situation. If you’re after a card with the potential for a higher credit limit, there are a few types of cards you might want to explore. Premium cards, such as platinum or black cards, often come with higher minimum credit limits, though approval and the actual limit set will always depend on the issuer’s assessment of your income, expenses, and overall profile. You can check out our platinum credit card guide and black credit card guide to get a sense of what’s on offer. For the Latitude 28° Global Platinum Mastercard, just hit the “Go To Offer” button to see the full details and next steps directly with the issuer.
I wanted to apply for the 28degree credit card, but I can't find the application form
Hi Sara, We're currently not partnered with Latitude. To apply, you can visit their official website. Thanks!
I cannot log into my account. I need to pay mob account
Hi Anne, you can give Latitude a call at 13 10 24. Thanks!
I regret to inform that I cancelled my 28 degree credit card on 17 September 2024 without a careful consideration. I actually was very happy with this credit card during my trip in
Europe in 2018 and recent trip in four South American countries, etc. Now I am going to some Asian countries in the middle of November, so I would like to know if I could bring my credit card back. If not, how long does it take to reapply for this card?
Hi William, it can take anywhere from 3 to 10 business days to hear back about an application, depending on the volume of applications and if the bank needs further information from you. You’d have about a month if you needed to travel in November and applied soon. Safe travels, all the best!
how do I close this account
Hi Inez, You may want to contact Latitude directly at 13 10 24. Thanks!
Which credit cards give you 6 months travel insurance
Hi Donna, good question! You can check some of the credit cards with free travel insurance that offers 6 months of travel insurance. Thanks!
How do I cancel this card?
Hi Maurice, you’ll need to call Latitude directly. The customer service number is 1800 005 809.
hello pauline
i applied for the card 28 global platium but rejected by it
i am wodering why?
How much limited should i apply for ?
Hi Jia, I’m sorry to hear that your application wasn’t approved. There could be a few reasons why this happened. It may be because your credit history is still building, or you might have a high amount of existing debt compared to your income. Or it could be something simple like missing information on your application or having a VPN switched on. It might be worth checking with Latitude directly about your application.
With the phone roaming, is it 3GB per day?
Hi Shaz, upon checking, it states that you receive 3GB once per year, usable for up to 15 days. You can check the official Latitude page for more information about the flexiroam feature.
how to apply for the latituude 28 global platinum card?
Hi Jia, unfortunately, we’re currently not partnered with the Latitude 28° Global Platinum Mastercard. You can go to the official Latitude website to apply. Alternatively, you can check out some of the no annual fee cards for options.
How does it rate with the fee changes?
Hi Clayton, the interest rate on this card was already one of the highest rates out there, so that hasn’t changed the way this card needs to be used (which is, paid off every month!). It’s still got some really great features like no currency conversion or foreign transaction fees, but now you have to weigh up if that’s worth $8 per month. Having said that, you can get $10 back in gift cards each month, which does offset the monthly fee. So really it’s all about how you’ll use the card.
do i receive a physical card?
Hi Eckhard, yes, once approved for the Latitude 28° Global Platinum card, you should receive the physical card in 7-10 business days.
Does the Latitude 28° Global Platinum Mastercard still include Complimentary International and Domestic Travel Insurance?
If so what does this cover when traveling?
Hi Nick, unfortunately, the Latitude 28° Global Platinum Mastercard does not have travel insurance included, but they have the flight delay pass feature.
With the global 28degree credit card, would hiring a car with it be used as a cash advance
Hi Aaron, cash advances are usually withdrawals, transferring money from your credit card to another account or sometimes using BPAY. If you’re paying a merchant for goods or services (like hiring a car), it’s highly likely to be a regular transaction. Happy travels!
I am retired. My income comes from superannuation your application questions suggest this is not a suitable card for me. Is that so? for example I havent worked for 2o years or more. I have a drivers licence buty it has no card no.
Hi Sue, Latitude doesn’t give any information about eligibility if you’re on a superannuation income, but it does seem to point to employment as being a factor. It might be a good idea to look for cards that are a better fit for retirees (here are some ideas, and here is a blog that might help, too). Thanks Sue!
Hello,
Do I have this right- there are no overseas Fees for overseas purchases - but if I withdraw cash whilst overseas - the charge will be either 3.5% or $4.00 - whichever is higher.
thanks
Janine
Hi Jenine, yep that’s correct! There’s no foreign transaction fees charged for purchases made outside Australia (or overseas merchants within Australia). As for cash advances (whether in Australia or overseas), there’s a fee of 3.5% or $4 whichever is greater.
Ross
28 January 2025Many benifits are limited for most travel needs. The exchange rates are good bu if you travel once a year then who cares if its $96 per year in costs. I have held it for now but the costs of holding it will mean Im out soon as only two trips planed this year. Shame as I used ot a lot.
Recommends this cardMichael
24 August 2024The introduction of a monthly fee is the straw the broke the camel's back... Even if it was lower fee it's an insane product decision when customers have all signed up expecting no annual fees. After 14 years as a customer (before Latitude took over), it's time to shut this one down. Their previously introduced fee to pay your credit card with bpay was bad enough but they had an alternative of paying via app at least. Customer service is limited, for what was an international travel card primarily it seems like another bad product decision. I've had to ring Latitude only to realise their call centre is during business hours when I'm at work ? I'd be less fun dealing with this if overseas in another timezone.
Does not recommend this cardNicole
20 August 2024This card used to be gold standard of credit cards with no fees including no international transaction fees. Served me very well for 6 years. I will now be closing this card as they have introduced a $8 monthly fee which is the worst business decision they have ever made. Everyone I know is now closing their cards with Latitude. No longer recommended. I have now switched to Bankwest Zero Platinum credit card as it has everything that Latitude used to offer.
Does not recommend this cardLaurie
7 August 2024I received the following email today from Lattitude 28 Degree Mastercard: "A card fee of $8 per month will be introduced. You will see this fee being charged on your first statement from 17 September 2024." This card is no longer has 'no yearly' fees at $8 per month.
Does not recommend this cardJohn Nguyen
13 July 2020I use this card for overseas purchase and travel. It is great as it does not incur expensive international fees. I pay by the due date so don\'t have to incur any interest rates. Recently due to CoVid disruption, I had to submit a number of transaction disputes to claim back services/bookings which were cancelled. Latitude processed these requests promptly and efficiently within 30 days. In the meantime, my trxn dispute with NAB has been outstanding for 4 months now !
Recommends this cardCreditcard.com.au Visitor
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 card