28 Degrees Platinum Mastercard

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
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 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.
  • 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 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 Mastercard from our users. If you still have a question please leave a comment in the box below.

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

Ask an Expert

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

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

269 Responses

  1. 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

  2. Default Gravatar
    JanineAugust 29, 2017

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

    • Staff
      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

  3. 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 ?

    • Staff
      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

  4. Default Gravatar
    MerleApril 19, 2017

    Can this card be used in Iceland and Greenland?

    • Staff
      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

  5. Default Gravatar
    ConApril 6, 2017

    which bank is this card with

    • Staff
      AnndyApril 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

  6. 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?

    • Staff
      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

  7. 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.

    • Staff
      AnndyFebruary 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

  8. Default Gravatar
    PriyaFebruary 9, 2017

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

    • Staff
      AnndyFebruary 9, 2017Staff

      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

  9. Default Gravatar
    SusanFebruary 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
      MayFebruary 17, 2017Staff

      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

  10. Default Gravatar
    BobJanuary 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
      MayJanuary 17, 2017Staff

      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

Credit Cards Comparison

Rates last updated November 23rd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

Compare up to 4 providers

* 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