Latitude 28° Global Platinum Mastercard

Enjoy 0% fees on overseas purchases when you travel or shop online with the Latitude 28° Global Platinum Mastercard.

Designed to help you save on credit card costs both overseas and at home, the Latitude 28° Global Platinum Mastercard offers no foreign transactions fees and a $0 annual fee. You can also enjoy up to 55 days interest-free on purchases.

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Sally McMullen

Last Updated Nov 9, 2020

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Details

Product Name	Latitude 28° Global Platinum Mastercard
Purchase rate	21.99% p.a.
Annual fee	$0
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.99% p.a.
Min credit limit	$6,000
Card type	Mastercard
Foreign currency conversion fee	0%

Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

Ongoing $0 annual fee
0% foreign currency conversion fees
Free global wifi with Boingo
Complimentary flight delay passes

Cons

High purchase interest rate of 21.99% p.a.
Charges a payment handling fee unless you pay by mail, direct debit or through the online service centre.

Bonus points	N/A

Annual fee	$0
Minimum monthly repayment	2.5% of the closing balance or $30, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	0%
Cash advance fee	3% or $4, whichever is greater
Overseas cash advance fee	3% of transaction amount or $4 (whichever is greater)
Overseas ATM withdrawal fee	$0

How to apply

You can apply for the Latitude 28° Global Platinum Mastercard online in around 10-15 minutes and should get a response within 60 seconds of submitting your completed application. Before you apply, make sure you've met the eligibility requirements and have the necessary documents on hand.

Eligibility criteria

Age. You must be at least 18 years of age to apply for the Latitude 28° Global Platinum Mastercard.
Residency status. Available to citizens and permanent residents of Australia, as well as temporary residents who hold a visa that is valid for at least the next 12 months.

Required documents

Proof of identification. A driver's licence, passport, Medicare card or proof of age card must be provided.
Financial details. You must submit details about your annual income, assets and liabilities, so have bank statements and payslips ready.
Employer information. You'll need to include your employer's details including address and contact number.
Contact details. You'll be asked to provide contact information such as your email address, residential address and contact number.

Card benefits

No currency conversion fees. This card can save you money with 0% currency conversion fees when you use the card to make a purchase in a foreign currency overseas or online.
$0 annual fee. Not just for the first year, the Latitude 28° Global Platinum Mastercard does not charge an annual card fee.

Up to 55 days interest-free. This card offers up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.
Free global wifi. Thanks to a complimentary Boingo account, get access to over 1 million wifi hotspots around the world when you register your card.
Flight Delay Pass. If an airline announces a delay of more than two hours on your registered flight, you and up to four travel companions will receive a complimentary LoungeKey pass. This can be used whenever you travel, not just once or twice per year.
Mobile payment compatibility. Enjoy the convenience of making contactless payments when you shop just by tapping your qualifying Apple, Android, Samsung, Fitbit or Garmin device on a contactless terminal.
Mastercard benefits. As this is a Mastercard, it can be used at tens of millions of locations in Australia and abroad. Just look for the Mastercard logo at an ATM, over the counter or on the payment page of the merchant's website. You can also enjoy contactless payments through PayPass and access a range of exclusive travel, dining, entertainment and lifestyle offers through Mastercard Priceless Cities.
Insurance. While this card doesn't offer complimentary insurance, you can apply for shopper's protection (including price, merchandise, stolen card and repayment protection) or travel insurance via Southern Cross Travel Insurance with this card.

Rates & fees

Purchase rate. The purchase interest rate is 21.99% p.a.
Cash advances. The usual cash advance fee is 3% of transaction amount or $4 (whichever is greater) and is charged when the card is used to withdraw money from an ATM or for any other cash-equivalent transactions. Interest on cash advances will apply at 21.99% p.a. charged from the date of the cash advance.

Foreign exchange rate. Any purchases in a foreign currency will be subject to the daily exchange rate. Unfortunately, you can't lock in an exchange rate to take advantage of competitive rates.
$0 international ATM withdrawal fees. You can access cash overseas with a $0 international ATM withdrawal fee.

Frequently asked questions

We've answered the most frequently asked questions about the Latitude 28° Global Platinum Mastercard from our users. If you still have a question please leave a comment in the box below.

Preloading funds to your Latitude 28° Global Platinum Mastercard into a positive 'credit balance' is allowed. The cash advance interest rate will not be charged on ATM withdrawals if your account is in a credit balance, however the cash advance fee of 3% of transaction amount or $4 (whichever is greater) will still be charged on any ATM withdrawals. It is important to note local ATM fees may also apply.
To load your account in credit, simply deposit funds from a bank account to your Latitude 28° Global Platinum Mastercard via BPAY. You will need to repay any outstanding credit card debt in order to reach a credit balance.
You have four options when repaying your Latitude 28° Global Platinum Mastercard:
- Use the Online Service Centre (OSC) to debit a payment from your bank account.
- BPAY (which attracts a $0.95 fee from 11 July 2016 onwards)
- Cheque
- Automatic monthly direct debit
All payments will be allocated to outstanding debt. If you've paid your balance in full any additional repayments will be added to your account as 'credit'.
If you no longer want to use your Latitude 28° Global Platinum Mastercard, you can cancel it by calling the customer service team on 1300 552 079 between 8am-9pm on weekdays and 8:30am-8pm on weekends. To make the process easier, ensure your entire balance is paid off prior to cancelling. If you want to cancel your card because it's lost or stolen, you can call customer solutions 24 hours a day, 365 days a year on 1800 005 809 (within Australia) or +61 1800 005 809 if you're overseas.

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Latitude 28° Global Platinum Mastercard is designed for travellers looking to save with no foreign transaction fees and a $0 annual fee. While you won’t be charged ATM withdrawal fees overseas, these transactions still attract cash advance interest rate and fee.

The complimentary global wifi access is another perk that will help you cut travel costs. But unlike some other cards that are designed for travellers, it doesn’t offer complimentary travel insurance.

This card charges a higher purchase interest rate compared to some other cards in this category, so it’s best suited to people who can pay their balance in full and take advantage of the interest-free days.

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284 Comments

Tony
September 18, 2019

What is the minimum value of this credit card

Nikki
September 18, 2019

Hi Tony,

Thanks for your message. The minimum value of this card is 6,000. This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.

Hope this helps!

Best,
Nikki

Sally
September 2, 2019

If I loose or have a Latitude 28 credit card stolen overseas, am I covered for any purchases that are made on it?

finder Customer Care

Jeni
September 3, 2019

Hi Sally,

Thank you for getting in touch with Finder.

Latitude 28 Degrees MasterCard doesn’t cover any lost or stolen items purchased entirely with your card.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

shri
August 28, 2019

Is there a fees for a second card for my spouse?

finder Customer Care

Jeni
August 29, 2019

Hi Shri,

Thank you for getting in touch with Finder.

Latitude 28° Global Platinum Mastercard doesn’t allow an additional cardholder. If you’re looking around, you may check out credit cards with free additional cardholders.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

John
May 15, 2019

What details do you require for an applicant who has retired and has no employer?

Can I get a second card for an additional cardholder?

finder Customer Care

Jeni
May 16, 2019

Hi John,

Thank you for getting in touch with Finder.

You may show some financial documents like proof of savings to show your source of income. Once you click on the green Go to Latitude Financial Services’ website button on this page, you will be redirected to 28 Degrees’ official application page. After you finish encoding your personal details, you will be asked for your financial details such as your annual income, assets and liabilities.

You may request for a card for your chosen additional cardholder by completing their online application form or calling their customer service team to ask for an additional cardholder application form.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

Jae
May 7, 2019

Hi,
Can I use this card in South Korea or Japan?
Thanks in advance

Nikki
May 8, 2019

Hi Jae,

Thanks for getting in touch! Yes, you can use the 28 Degrees Platinum Mastercard can be used in Seoul or Japan. Mastercard will convert your AUD to the domestic currency at the daily exchange rate with 0% conversion fee. There are no fees or charges for making purchases overseas or online (in a foreign currency), making the 28 Degrees Platinum Mastercard ideal for traveling or online purchases. You can also take advantage of up to 55 interest-free days to make purchases with zero interest whilst traveling.

Hope this helps!

Best,
Nikki

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Latitude 28° Global Platinum Mastercard