- Zero fees: No annual fee and no international transaction fees or currency conversion fees on overseas and online purchases. No fees for online payments except BPAY.
- Travel perks: The Flight Delay Pass gives you and 4 friends access to global LoungeKey lounges, drinks and WiFi if your flight is delayed by 2 hours or more (or dining discounts if no lounge is available)
- Freebies: Free global data roaming with 3 GB free data each year for 15 days plus 15% off extra data when you pay with the Latitude 28° Global Platinum Mastercard (conditions apply).
- Discounts: Use Mastercard’s Priceless Specials and Priceless Experiences to get discounts on hundreds of brands including travel, experiences, dining and merchandise. You can also get 10% off Expedia and Wotif accommodation on selected hotels when you book before 30 September 2024 and stay before 31 December 2024 (conditions apply).
- Extras: You can add an extra cardholder free and sync your card with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay. Card replacement is free and you can access your new card instantly after approval via the Latitude App.
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Latitude Financial Credit Cards
Latitude 28° Global Platinum Mastercard
Updated 17 April 2024
Travel virtually fee-free! 🛩 You’ll have more money for adventure with no annual fee and no currency conversion or international transaction fees on purchases. And, you can instantly access telcos in 150+ countries and use 3GB of free data for 15 days each year.
You can chill out at spiffy airport lounges with complimentary nibbles and free WiFi if you use your Flight Delay Pass and your flight is delayed by at least 2 hours. This card is a winner for globetrotters or overseas spenders who want to save money and get some fun travel perks including discounts and credit back.
Terms and conditions apply.Purchase Rate (p.a)
27.49%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$0
Pros and cons
- Interest rates are high at 27.49% p.a. and a cash advance rate of 29.99% p.a.
- BPAY payments are charged at $0.95 online (effective 10 April this will increase to $1.95) and $3.95 for in-person payments (but you can avoid these fees by making your payments via direct debit or Latitude's Online Service Centre)
- Cash advance fees are charged at 3.5% or $4, whichever is greater.
Creditcard.com.au review
Editor Review
Latitude 28° Global Platinum Mastercard
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the Latitude 28° Global Platinum Mastercard?
 Globetrotter: You love travelling and look for cards with extras that make globetrotting cheaper and easier. |  Deal Digger: You're always on the lookout for freebie perks like cashback, discounts and fun ways to adventure. |  Money Geek: You’re money-savvy and want ways to save and earn, including discounts, cashback and travel extras. |
Editor’s Overall Rating
The Latitude 28° Global Platinum Mastercard is a travel buddy for backpackers, bum-bagged tourists and wandering nomads who want to explore the world cheaper. You won’t pay annual fees or international transaction or currency conversion fees on purchases, which can add up to some enormous savings.
You’ll also get a bundle of extras that feature discounts and cashback, lounge passes if your flight is delayed, and free data roaming. It has a low credit limit and suits those with wanderlust or who frequently buy overseas and want something easy to tap-and-go or make payments online.
Editor’s Review: What I love about the Latitude 28° Global Platinum Mastercard
The Latitude 28° Global Platinum Mastercard has a big superpower: it effortlessly saves money on card costs like annual fees and international transaction and currency conversion fees on purchases while juggling a bunch of free perks.
It isn’t a rewards card but does have several discounts and cashback opportunities that are as good as points any day.
The high interest rate might seem off-putting, but it only takes a little bit of savvy to avoid interest and use the card 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.
No annual fee. This card has no annual fee, ever.
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.
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 when you book before 30 September 2024, and stay before 31 December 2024.
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 27.49% 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 overseas and pay it off each month. It does that job incredibly 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.
Other extras
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 27.49% p.a.
Cash advance rate 29.99% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee $0
Foreign transaction fee 0%
Minimum repayment 3% or $25, whichever is greater (Gem Visa & Go Mastercard); 2.5% or $30, whichever is greater if closing balance is $30 or more (28° Global)
Cash advance fee 3.5% or $4, whichever is greater
Late payment fee $35 (effective 10 April 2024, this will increase to $45)
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
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 suits those looking for a credit card that they can use overseas and save on costs. It comes with a range of extras that make travel easier, cheaper and even provide credit back. Terms and conditions, fees, and charges apply. Approved customers only.
Key features
- No annual fee
- 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
- 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
- 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 8 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 question18 questions (showing the latest 10 Q&As)
If I top up the card with euros,so am in credit, and I do an atm cash withdrawal,will this still incur the 3.5% or $4 transactions fee?
Hi Bill, yes if you withdraw cash from an ATM whether you're in credit or not, you'll incur the applicable fees. There are other debit card alternatives for withdrawing money overseas without being slugged with fees. Hope this has helped.
Maximum Credit Limit $1000 , seems a bit low if your going to be overseas for 6 weeks
Hi Atonietta, the $1000 credit limit is a minimum, which means its the lowest amount available. How much you actually get will depend on your application; you'll find out once you're approved (and you can request a higher credit limit if you need it). Thanks!
i have an existing 28 degrees platinum card, I am exploring if there are any balance transfer promotions that would allow me to consolidate balances across my other credit card.
Hi Rushith, you can reach out to Latitude directly at 1300 552 079 for offers they may have for you as an existing customer. However, if you’re looking for a new card to do a balance transfer to, you can explore some of the balance transfer credit cards we have available to compare.
I lost my 28 degree platinum Mastercard, please send me a new card
Hi Ying, we're a credit card comparison site. You'll need to contact Latitude directly for a new card - in the meantime, make sure you cancel your card via the app. The customer service number is 1800 800 230 or you can report your card as lost through the app as well. Good luck!
I received a 28 degree global platinum Mastercard today, and cut it up. Please cancel any account in my name. Thank you, Michael John Hawkins PO Box 931 Innaloo WA 6918
Hi Michael, thanks for your message however, you’re actually on Creditcard.com.au, Australia’s leading credit card comparison site. Please give Latitude a call directly at 1300 552 079 for your request.
How to apply for Latitude 28 credit card?
Hi Wil, we’re currently not partnered with the Latitude 28° Global Platinum Mastercard but you can go to their official website page to apply.
What is meant by the $0.95 for bpay payments, and $3.95 for in person payments? Is that paying for a purchase? Or does that mean paying off the amount owed to Latitude? Thanks
Hi Karina, those are fees you’ll pay for using those services. So, if you pay your energy bill by BPAY from your Latitude card, you’ll pay a $0.95 fee. Instead, Latitude suggests that you use direct debit or its Online Service Centre, which doesn’t charge for payments. Thanks Karina!
I have neglected to renew my new credit card. Am I still able to activate it ? The old card expired on 05/23.
Hi Stella, replacement cards are usually given out by the card issuers a few weeks before the expiration. I strongly suggest contacting Latitude directly at 1300 552 079 about this to be sure.
When I log into my account for my mastercard I cant see any balances etc? How do I keep track of my spend etc.
Hi Suzelle, you’ve actually reached Creditcard.com.au, Australia’s top credit card comparison site. You can contact Latitude directly at 1300 552 079 so this can be checked as soon as possible for you.
how to apply
Hi Antoinette, currently we don’t have an active partnership with the Latitude 28° Global Platinum Mastercard. You can however go to their official website page to apply.
Does the Latitude 28 Plat have a monthly fee ? And although it says no annual fee, is there a fee after a certain time eg 2 years ?
Hi Pamela, currently, the Latitude 28° Global Platinum Mastercard offers a no monthly or annual fee forever.
How do access the free phone roaming service when overseas
Hi Rob, I see you’re referring to the Global Data Roaming feature of the Latitude 28° Global Platinum Mastercard. To enjoy this feature, you just need to register your credit card to create a Flexiroam account. To do this, just enter your card number when prompted in the Flexiroam Mobile app and follow the prompts. Once successfully enrolled, your phone will automatically be connected to the WIFI nearby. For more information about this feature, you can visit Latitude’s official Global Data Roaming page here. Hope this helps!
how many additional card holders can you have?
Hi Tania, I see that you can add one additional cardholder.
going to vietnam and querying if Latitude 28 global has any fees, is it used like a credit card and if I pay account on time I will not pay any extra?
Hi Lynley, yes, Latitude 28 Global Platinum card is a travel credit card and functions just like standard credit cards. This doesn't have foreign transaction fees and as long as you ensure timely payments, you won't encounter any extra charges. Hope this helps and safe travels Lynley!
Before I travel can I make a deposit and put the card into a credit balance so that cash out at ATM is pre paid, and so avoid the 22% fee.
Hi Ted, this used to be a feature of this card many many years ago, but Latitude has now scrapped it. You won’t be able to avoid the fees or interest rates if you withdraw cash sadly.
Why is my 28 degrees platinum card not working for a transaction on a French website?
Hi, I’m sorry to hear about your experience. I suggest contacting Latitude directly at 1300 552 079 to address the issue right away.
I apply a mastercard on 14/7/2023, how long I can I get the answer?
Hi Lynette, you’ve actually reached Creditcard.com.au, Australia’s top credit card comparison site. I suggest calling Latitude directly at 1300 552 079 to check the status of your application.
Is there a minimum credit limit? Is there a minimum amount spend on the card?
Hi Dirk, if your application for the Latitude 28° Global Platinum Mastercard is successful, the minimum credit limit you can get approved for is $1,000 (this is dependent on several factors like your annual income, credit rating, ability to pay, etc.). Also, there’s no specified minimum spending amount for this card.
John 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