28 Degrees Platinum Mastercard

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Enjoy $0 fees on overseas purchases when you travel or shop online with the 28 Degrees Platinum Mastercard.

Designed to help you save on credit card costs both overseas and at home, the 28 Degrees Platinum Mastercard offers no international currency conversion fees and a $0 annual fee. You can also enjoy up to 55 days interest-free on purchases and a platinum concierge service to help you plan your next trip.

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
Card TypeMastercard
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
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$0 p.a.
Minimum Monthly 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 ATM Withdrawal Fee$0
Foreign Currency Conversion Fee
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

Pros

  • $0 annual fee
  • 0% Foreign Currency Conversion Fee
  • Concierge service
  • Free global Wi-Fi with Boingo

Cons

  • High purchase rate of 21.99% p.a.
  • ATM cash withdrawals attract a cash advance fee
  • No interest-free days if you carry a balance
  • Lack of complimentary travel insurance

Latitude 28 Degrees Platinum Mastercard review

Thinking of taking a credit card overseas? While many charge additional fees for international transactions, with the 28 Degrees Platinum Mastercard you'll pay 0% foreign currency conversion on international purchases and $0 for international ATM withdrawals. It also offers worldwide acceptance through the Mastercard network and exclusive travel, entertainment and lifestyle offers through Mastercard's Priceless Cities program. The card's $0 annual fee also means you can use it internationally or at home 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.
  • Concierge service. The 28 Degrees Platinum Mastercard gives you access to a personal concierge service. So, whether you need help booking your flights or accommodation for your holiday or need to organise a restaurant reservation, this concierge is a free service that you can use 24/7.
  • Free global wifi. Thanks to a complimentary Boingo account, get access to over 1 million wifi hotspots around the world when you register your 28 Degrees Platinum Mastercard.
  • 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.
  • Up to 55 days interest-free on purchases. This card also offers up to 55 days interest-free on purchases if you pay your balance in full by the due date on each statement.
  • Eligible for Samsung Pay. Enjoy the convenience of making contactless payments when you shop just by tapping your qualifying Samsung device on a contactless terminal.

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.
  • 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 or for any other cash advance 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.
  • 28 Degrees Platinum 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.
  • 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

You can apply for the 28 Degrees Platinum Mastercard online in around 10 minutes and should get a response within 60 seconds of submitting your completed application. Before you apply though, 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 28 Degrees Platinum Mastercard.
  • Residency status. You must be a citizen or permanent resident of Australia to apply.

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.

With no fees on overseas purchases made when you're travelling or shopping online and a $0 annual fee, the 28 Degrees Platinum Mastercard can stay in your wallet without burning a hole in your hip pocket. Compare this credit card to others so you can find one that suits all your needs.

Frequently asked questions

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

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274 Responses

  1. Default Gravatar
    RaeleneMay 3, 2018

    Is 28 Degrees MC linked to any Frequent Flyer programmes?

    • finder Customer Care
      JeniMay 3, 2018Staff

      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

  2. Default Gravatar
    BelindaApril 24, 2018

    Where does this card sit with frequent Flyer points?

    • finder Customer Care
      AshApril 24, 2018Staff

      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

  3. Default Gravatar
    JamesFebruary 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.

  4. Default Gravatar
    BradOctober 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

    • Default Gravatar
      JonathanOctober 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

  5. Default Gravatar
    JanineAugust 29, 2017

    We are travelling to Sri Lanka … can 28 Degrees’ be used in this country for their currency. Thanks Janine

    • finder Customer Care
      HaroldAugust 30, 2017Staff

      Hi Janine,

      Thank you for your inquiry.

      Yes you can use this card in Sri Lanka, find out more here.

      I hope this information has helped.

      Cheers,
      Harold

  6. Default Gravatar
    caponeMay 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 ?

    • finder Customer Care
      MayMay 16, 2017Staff

      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

  7. Default Gravatar
    MerleApril 19, 2017

    Can this card be used in Iceland and Greenland?

    • finder Customer Care
      HaroldApril 20, 2017Staff

      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

  8. Default Gravatar
    ConApril 6, 2017

    which bank is this card with

    • finder Customer Care
      LouApril 6, 2017Staff

      Hi Con,

      Thanks for your question.

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

      Cheers,
      Anndy

    • Default Gravatar
      MerleApril 19, 2017

      Is 28 Degrees Mastercard accepted in Iceland and Greenland

  9. Default Gravatar
    karenMarch 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?

    • finder Customer Care
      MayMarch 31, 2017Staff

      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

  10. Default Gravatar
    KenFebruary 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.

    • finder Customer Care
      LouFebruary 14, 2017Staff

      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

Credit Cards Comparison

Rates last updated August 17th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
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14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

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