In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Frequently asked questions
  • Your reviews
  • Ask an expert
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Latitude 28° Global Platinum Mastercard

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Latitude 28° Global Platinum Mastercard
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Terms and conditions apply
Purchase rate
26.99% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Enjoy no fees on overseas purchases when you travel or shop online with the Latitude 28° Global Platinum Mastercard.

The Latitude 28° Global Platinum Mastercard is great for travellers looking to save with no foreign transaction fees on purchases and a $0 annual fee. You can benefit from up to 55 days interest-free on purchases and other perks such as a Flight Delay Pass.

The complimentary global data roaming 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.

Pros

  • Ongoing $0 annual fee
  • 0% foreign currency conversion fees on purchases
  • Free global data roaming with Flexiroam
  • Complimentary Flight Delay Pass

Cons

  • High purchase interest rate of 26.99% p.a.
  • Charges a payment handling fee of $0.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude’s Online Service Centre or via direct debit.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Frequently asked questions
  • Your reviews
  • Ask an expert

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 on purchases and an ongoing $0 annual fee. You can also enjoy up to 55 days interest-free on purchases.

Details

Product details

Product Name Latitude 28° Global Platinum Mastercard
Purchase rate p.a. 26.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 29.99%
Min credit limit $1,000
Card type Mastercard

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $0
Minimum monthly repayment 2.5% of the closing balance or $30, whichever is greater
Late payment fee $35
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)
Additional cardholder fee $0

How to apply

You can apply for the Latitude 28° Global Platinum Mastercard online in under 10 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 legally have the right to work in Australia and intend to stay for at least 12 months.

Card benefits

  • No foreign currency conversion fees on purchases. 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. You can also add an additional cardholder to this account for $0.

Rates & fees

  • Purchase rate. The purchase interest rate is 26.99% 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 29.99% p.a. charged from the date of the cash advance.

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.

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Frequently asked questions

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Sally Finder

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Raj

August 24, 2023

Is there fee free ATM cash withdrawals in Australia and International?


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Amy Bradney-George Finder

August 25, 2023

Hi Raj,

ATM cash withdrawals made with this card are treated as cash advances and attract a fee worth 3% of transaction amount or $4 (whichever is greater). These transactions also attract the cash advance interest rate. This is similar to other credit cards, so you may want to consider a prepaid travel debit card or regular debit card for cash withdrawals instead. Keep in mind individual ATMs may also charge fees, which will be displayed on the ATM. I hope this helps.


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Susan

August 01, 2023

I have a 28 degrees global platinum mastercard.


Why do I pay interest every month, and dont get the 55 days interest free credit?

Why am i charged insurance monthly also?


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Amy Bradney-George Finder

August 07, 2023

Hi Susan,

Interest-free days are only available if you pay the entire closing balance listed on each statement by the due date. So if you carry a balance on the card from month-to-month, interest would apply. In regards to insurance, this card previously offered Shoppers Protection insurance, which attracted a fee based on the percentage of the account balance. According to the insurance policy document on the Latitude website, this insurance attracted a fee worth 1% of the card’s balance for policies purchased after 20 August 2019. You can contact Latitude on 1800 800 230 to discuss or cancel this insurance. I hope this helps.


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Loui Soravia

May 30, 2023

Dear Sir/Madam

I’ve tried to call the number 1300552079 and waited for quite some time 15 min or more no response..!! as I do travel overseas and use my Latitude Global Platinum credit card I’m concerned if I have a transaction problem I can’t wait that long for a response to resolve the problem is a different tel. for calling for problems thank you..


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Sarah Megginson Finder

May 30, 2023

Hi Loui,


We’re a review site and we’re not directly affiliated with Latitude, so we can’t provide any customer support.


For emergency issues or to report lost and stolen cards, their support line is open 24/7 within Australia: phone 1300 882 289.


Hope this helps!


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Liv

May 02, 2023

Can you use this card in Fiji with Fijian dollars?


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Amy Bradney-George Finder

May 04, 2023

Hi Liv,

You can use this credit card in Fiji with any business that accepts Mastercard credit cards. Any transactions in Fijian dollars will just be converted to an Australian dollar amount before they are shown on the credit card account. I hope that helps.


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Bernard

February 27, 2023

I have read that Latitude send sms messages when you are abroad to confirm purchases. If you don’t have international roaming, won’t this make the card unusable?


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Amy Bradney-George Finder

March 07, 2023

Hi Bernard,

If you were overseas and suspicious account activity was detected, it’s likely that Latitude would send an SMS or attempt to make contact by phone. This is a security process that’s used by many other bank and credit card fraud detection services. Most cards include an international phone number that you can call when you’re overseas and something happens, such as the card being blocked. This card also offers global data roaming through Flexiroam, which could be another option to consider. You could also let Latitude know before you go overseas, so there’s awareness about where you’re going.

Hope that helps!


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