28 Degrees Platinum Mastercard

28 Degrees Platinum Mastercard Find out more Go to site

Don't worry, by clicking "Go to site" this won't leave a mark on your credit file. An enquiry will only appear on your file once you have submitted a credit card application.

What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Access your cash worldwide, shop online and make overseas purchases without paying any extra fees or charges.

Made to be used overseas or at home, the 28 Degrees Platinum Mastercard offers fee-free international transactions, which can be used on a holiday or for shopping online. Combined with an annual fee of $0 and up to 55 days interest-free on purchases, the 28 Degrees Platinum Mastercard can stay in the wallet without burning a hole in the hip pocket.

Product Name28 Degrees Platinum Mastercard
Balance transfer rate (p.a.)4.99% p.a. for 6 months
Purchase rate (p.a.)21.99% p.a.
Annual fee$0 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.99% p.a.
Min credit limit
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.
$6,000
Minimum Monthly Repayment2.5% or $30 (whichever is greater)
Card TypeMasterCard
Late Payment Fee$20
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
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.
$6,000
Annual Fee$0 p.a.
Minimum Repayment2.5% or $30 (whichever is greater)
Late Payment Fee$20
Cash Advance Fee3% of the cash advance or $4 (whichever is greater)
Overseas Cash Advance Fee3% of the cash advance or $4 (whichever is greater)
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Gambling Transactions AllowedNo

Latitude 28 Degrees Platinum Mastercard review

Thinking of taking this card overseas? Pay 0% foreign currency conversion on international purchases and $0 for international ATM withdrawals with the 28 Degrees Platinum Mastercard. Plus, with international acceptance via Mastercard, up to 55 days interest-free on purchases and a $0 annual fee, you can use this card internationally without the standard costs you'd expect from most cards.

Benefits of the 28 Degrees Platinum Mastercard

  • No currency conversion fees. This card comes with 0% currency conversion fees when you use the card to make a purchase in a foreign transaction overseas or online.
  • No international ATM withdrawal fees. You can access cash with convenience overseas with a $0 international ATM withdrawal fee.
  • Mastercard acceptance. 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.
  • Up to 55 days interest-free on purchases. This card also offers up to 55 days interest-free on purchases so long as you pay your balance in full before the statement period ends.

Features of the 28 Degrees Platinum Mastercard

  • Annual fee. $0 annual fee for every year using this card.
  • Purchase rate. The purchase rate is 21.99% p.a. and is charged when you are carrying an outstanding purchase debt.
  • PayPass payment technology. Make payments the faster way for purchases under $100, allowing you to make contactless payments with Mastercard PayPass contactless technology.
  • Cash advance rate. The usual cash advance fee is 3% of the cash advance or $4 (whichever is greater) and is charged when the card is used to withdraw money from an ATM. 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.
  • 28 Degrees Mastercard online account. You can manage your 28 Degrees account on the go with the online account. Login using your username and your password to access your statements, view your transactions, personalise your PIN, set your credit limits, add additional cardholders, access your concierge service and more.
  • Concierge service. Cardholders have access to their own personal concierge service. So, whether you need help booking your flights or accommodation for your holiday or need to organise a restaurant reservation, your concierge is a free service that you can use 24/7.
  • 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.

How to apply for the 28 Degrees Platinum Mastercard

To apply for the 28 Degrees Platinum Mastercard, you can complete the online application within 10 minutes. Before you apply though, make sure you've met the eligibility requirements and have the necessary documents on hand:

Eligibility criteria

  • Age. Applicants need to be over the age of 18.
  • Residential status. You must be a permanent resident of Australia to apply, as temporary residents and people visiting Australia on a long-stay visa are not eligible to apply for this product.
  • Good credit history. Only applicants with a healthy credit score and no recent evidence of bankruptcy or defaults will be approved.

Required documents

  • Proof of identification. A drivers licence, passport or proof of age card must be provided.
  • Financial details. You must submit details about your annual income, assets and liabilities.
  • 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.

Frequently asked questions

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

Prepaying funds to your 28 Degrees Mastecard 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% or $4 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 28 Degrees Mastercard via BPAY. You will need to repay any outstanding credit card debt in order to reach a credit balance.

Any transactions made in a foreign currency will be converted at the daily Mastercard exchange rate. To find out the exchange rate for your destination, select the base currency as 'AUD' and the full list of exchange rates will be provided for the specified date.

Mastercard exchange rates

Yes. 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 Mastercard ideal for travelling or online purchases. You can also take advantage of up to 55 interest-free days to make purchases with zero interest whilst travelling.

To find out which banks you can withdraw from at your travel destination, use the Global ATM Locator from Mastercard.

Yes. Banks which accept Mastercard include the Bank of China, Bank of Beijing, Standard Chartered, Travelex, China Merchant Bank and Industrial and Commercial Bank of China.

You have four options when repaying your 28 Degrees Mastercard:

  • Use the 28 Degrees 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'.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

265 Responses to 28 Degrees Platinum Mastercard

  1. Default Gravatar
    capone | May 16, 2017

    Say I have done shopping for $3000. Before the grace period of 55 days is over, I make additional purchases of say another $1000 so that the balance is in red for $6000. However before the 55 days is over for the $3000, I clear this amount leaving me with a debit amount of $1000 which I hope to pay before the 55 days grace period comes into effect. In effect I am not totally clearing my debt of $6000 ie I am clearing only the first amount of $3000. What would your charge be if any ?

    • Staff
      May | May 16, 2017

      Hi Capone,

      Thank you for your inquiry. Just to confirm though that finder.com.au does not represent 28 Degrees or any company we feature on our site.

      By paying your account in full by the due date each month, you would be able to avoid paying interest for all your purchases. So as stated by 28 Degrees on their website: with the 55 days interest-free on purchases, you must pay the full balance of the account (excluding unexpired Interest-Free promotional plans) both for the statement before the purchases were made and for the statement on which the purchases are listed.

      For a clearer explanation what does 55-day interest-free really mean and how it works, please check this page.

      Cheers,
      May

  2. Default Gravatar
    Merle | April 19, 2017

    Can this card be used in Iceland and Greenland?

    • Staff
      Harold | April 20, 2017

      Hi Merle,

      Thank you for your inquiry.

      In general, 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 always clarify with the provider if this card can be uses in Iceland and Greenland.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    Con | April 6, 2017

    which bank is this card with

    • Staff
      Anndy | April 6, 2017

      Hi Con,

      Thanks for your question.

      The credit facility of 28 Degrees is provided by Latitude Finance Australia.

      Cheers,
      Anndy

    • Default Gravatar
      Merle | April 19, 2017

      Is 28 Degrees Mastercard accepted in Iceland and Gteenland

  4. Default Gravatar
    karen | March 29, 2017

    if you pay your card balance in full by the due date on the statement do you not get charged any interest on the purchases you make??
    In other words do you not get interest on the card if it is paid out in full??
    Do you get charged any interest on any purchases when they get charged to your card?

    • Staff
      May | March 31, 2017

      Hi Karen,

      Thanks for your question.

      The 28 Degrees Platinum MasterCard has actually an interest free period of up to 55 days on purchases that you can take advantage if you pay the full balance of the account both for the statement before the purchases were made and for the statement on which the purchases are listed. So, if you will pay your balance by the due date in full, you won’t get charged interest.

      Cheers,
      May

  5. Default Gravatar
    Ken | February 13, 2017

    1) Can I use your card in the Czech Republic and Russia?
    2) Also I am a self funded retiree can I still apply
    3) can I preload the card for $5000 Aust dollars.

    • Staff
      Anndy | February 14, 2017

      Hi Ken,

      Thanks for your questions.

      The 28 Degrees Platinum MasterCard is accepted in millions of locations overseas. You can use it where there is a MasterCard logo at an ATM, over the counter or on the payment page of the merchant’s website.

      A retiree may apply for this credit card, provided that you submit a recent superannuation statement. If you have a term deposit account, you’ll have to provide your term deposit statement. If you have an investment property, provide rental income statements for 3 months. Please note that there are other eligibility criteria to apply for this credit card.

      You can preload the card so that 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% or $4 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 28 Degrees MasterCard via BPAY. You will need to repay any outstanding credit card debt in order to reach a credit balance.

      Cheers,
      Anndy

  6. Default Gravatar
    Priya | February 9, 2017

    Hi, Can I use this card for day to day shopping in Australia? Example: Buy groceries from Woolworth?

    • Staff
      Anndy | February 9, 2017

      Hi Priya

      Thanks for your question.

      Yes, you can use the 28 Degrees Platinum MasterCard for daily shopping in places where MasterCard is accepted. Please do note that it has 21.99% p.a. interest on purchases.

      Alternatively, you may also check this pagefor credit cards with 0% purchase rate for a limited time.

      Cheers,
      Anndy

  7. Default Gravatar
    Susan | February 9, 2017

    1. Which day of the month does the statement cycle start?
    2. Can I use BPAY to pay the outstanding amount on my credit card statement?
    3. Can I log in to my online account to check my statement when I am overseas?

    • Staff
      May | February 17, 2017

      Hi Susan,

      Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      1. Which day of the month does the statement cycle start?
      Basically, the statement period/cycle is listed on the top right corner of your statement. As to the date when it starts and ends will be determined by the bank. If you wish to know more how to read a credit card statement, please click this link.

      2. Can I use BPAY to pay the outstanding amount on my credit card statement?
      Yes, you can pay your 28 Degrees card bills through BPAY. Your card number can be used as the reference number and it is recommended that you update this to the account number when your statement has been received. Please note though that there will be a payment handling fee of $2.50 when you pay in person and
      $0.95 through online (this excludes payments made via the Online Service Centre).

      3. Can I log into my online account to check my statement when I am overseas?
      Typically, you’ll receive a statement every month and you can choose to receive email alerts to remind you when your payments are due. Simply log-on to the Online Service Centre to set-up alerts. Please get in touch with the service centre if they can send you a paperless statement.

      Cheers,
      May

  8. Default Gravatar
    Bob | January 17, 2017

    Not so much a question as a warning.

    Discovered the hard way, I used BPay to pay off the 28 Degrees balance and they have a processing fee when you give them money, very annoying. The whole point of the 28 Degrees card is that there is ABSOLUTELY no link back to my normal banking when I use it outside Australia so I didn’t really want to use any payment method that involved entering my main banking details into their system.

    • Staff
      May | January 17, 2017

      Hi Bob,

      Thank you for your comment and feedback.

      With 28 Degrees, when paying your credit card bills through a direct debit arrangement from your nominated bank account, you won’t be charged anything. You would need to phone 28 Degrees to set up this type of payment method.

      If you do not want to give your banking details to them (through direct debit), other options would be through BPay and Australia Post (in person). Unfortunately, these two methods would mean that you pay for the payment handling fee of $2.50 (in person) or $0.95 via online.

      Cheers,
      May

  9. Default Gravatar
    kim | January 5, 2017

    can a self funded retire qualify for a 28 degree credit card?

    • Staff
      Anndy | January 5, 2017

      Hi Kim,

      Thanks for your question.

      Yes, you can apply for a 28 Degrees Platinum MasterCard if you are a self-funded retiree provided that you submit a recent superannuation statement. If you have a term deposit account, you’ll have to provide your term deposit statement. If you have an investment property, provide rental income statements for 3 months. Please note that there are other eligibility criteria to apply for this credit card.

      You may also want to visit this page to check for other credit card brands that accept applicants who are self-funded retirees.

      Cheers,
      Anndy

  10. Default Gravatar
    aldo | December 1, 2016

    Can I deposit money into a bank?

    • Staff
      May | December 1, 2016

      Hi Aldo,

      Thanks for your question.

      If you’re planning on loading your 28 Degrees account to make it in credit, simply deposit funds from a bank account to your 28 Degrees MasterCard via BPAY. You will also need to repay any outstanding credit card debt in order to reach a credit balance.

      Cheers,
      May

Credit Cards Comparison

Rates last updated May 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback