Latitude 28° Global Platinum Mastercard

Last updated: Jan 23, 2020

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.

21.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period

Details

Product Name	Latitude 28° Global Platinum Mastercard
Purchase rate (p.a.)	21.99% p.a.
Annual fee	$0 p.a.
Interest free period	55 days
Cash advance rate (p.a.)	21.99% p.a.
Min credit limit	$6,000
Card type	Mastercard
Foreign currency conversion fee (Visa/Mastercard)	0%
Complimentary travel insurance	No

Minimum age	18 years of age
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.

Annual fee	$0 p.a.
Minimum monthly repayment	2.5% of the closing balance or $30, whichever is greater
Late payment fee	$30
Foreign currency conversion fee (Visa/Mastercard)	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

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She 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.

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.

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284 Comments

Tony
September 18, 2019

What is the minimum value of this credit card

Reply
- 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
  
  Reply
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?

Reply
- 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
  
  Reply
shri
August 28, 2019

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

Reply
- 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 this page for credit cards that offer 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
  
  Reply
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?

Reply
- 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
  
  Reply
Jae
May 7, 2019

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

Reply
- 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
  
  Reply
Stephen
October 14, 2018

Hi,

I am self employed. What information is required when applying for 28 Degrees MC?

Thanks.

Stephen

Reply
- finder Customer Care
  
  Jeni
  October 14, 2018
  
  Hi Stephen,
  
  Thank you for getting in touch with finder.
  
  You may prepare proof of savings since you’re reliant on different sources of revenue as a self-employed. Make sure that your financial records are available for at least up to six months. When you click on the Go to site button on this page, you will be redirected to 28 Degrees’ official page and proceed with the online application. After you finish encoding your personal details, you will be asked for your financial details such as your annual income, assets and liabilities.
  
  I hope this helps.
  
  Please feel free to reach out to us if you have any other enquiries.
  
  Thank you and have a wonderful day!
  
  Cheers,
  Jeni
  
  Reply
Raelene
May 3, 2018

Is 28 Degrees MC linked to any Frequent Flyer programmes?

Reply
- finder Customer Care
  
  Jeni
  May 3, 2018
  
  Hi Raelene,
  
  Thank you for getting in touch with finder.
  
  As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.
  
  This card doesn’t allow you to earn any reward points but with the 28 Degrees Platinum Mastercard you’ll pay 0% foreign currency conversion on international purchases and $0 for international ATM withdrawals.
  
  I hope this helps.
  
  Have a great day!
  
  Cheers,
  Jeni
  
  Reply
Belinda
April 24, 2018

Where does this card sit with frequent Flyer points?

Reply
- Ash Munoz
  April 24, 2018
  
  Hi Belinda,
  
  Thank you for visiting finder.
  
  The Latitude 28 Degrees Platinum Mastercard will not let you earn Qantas Frequent Flyer points. Some of its advantages are 0% foreign currency conversion on international purchases and $0 for international ATM withdrawals.
  
  Moreover, you may visit this page for what does the Mastercard’s Priceless Cities program entails you.
  
  Lastly, kindly look at this page for the list of Credit Cards that will let you earn Qantas points for every dollar you spent on eligible purchases.
  
  I hope this helps.
  
  Let us know if there is anything else that we may assist you with.
  
  Cheers,
  Ash
  
  Reply
James
February 14, 2018

Quote”Can I load my 28 Degrees Mastercard in credit to avoid being charged the cash advance interest rate?”

This is not advised. People have asked 28° and the response was ‘dont do it’. You also get charged if you pay off your account from your bank. You won’t be charged if you retrieve funds from the 28° web site (take money from your account, instead of paying via your bank site). You’ll be hit with a 95c BPay fee for paying it off.

Reply
Brad
October 9, 2017

Hey there,

I am looking for a card to take overseas and this sounds like the perfect one however I’m unsure if I’ll receive approval for it as it requires a ‘healthy’ credit score and I have little to no credit score.

What are the chances of me receiving approval for this card? Or what are my other options?

Thank you for your time,
Brad

Reply
- Jonathan
  October 9, 2017
  
  Hello Brad,
  
  Thank you for your inquiry.
  
  This card requires a good credit score and it is important that this is taken into account, as multiple credit inquiries may further decrease your score.
  
  Usually, a card application would require a good score or better. You can check your alternative lending tools on this page.
  
  Take note that eligibility requirements and product terms vary, so it is important to read the Product Disclosure Statement prior application.
  
  Hope this helps.
  
  Cheers,
  Jonathan
  
  Reply

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