Latitude 28° Global Platinum Mastercard - review | finder.com.au

Latitude 28° Global Platinum Mastercard

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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

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Details

Product NameLatitude 28° Global Platinum Mastercard
Purchase rate21.99% p.a.
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$6,000
Card typeMastercard
Foreign currency conversion fee0%
Available to temporary residentsYes - Conditions apply
Joint applicationNo

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.
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment2.5% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee0%
Cash advance fee3% or $4, whichever is greater
Overseas cash advance fee3% of transaction amount or $4 (whichever is greater)
Overseas ATM withdrawal fee$0

Expert review

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Review by


Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally 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.

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.

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.

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.

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.

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284 Comments

    Default Gravatar
    Tony
    September 18, 2019

    What is the minimum value of this credit card

      Default Gravatar
      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

    Default Gravatar
    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?

      Avatarfinder 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

    Default Gravatar
    shri
    August 28, 2019

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

      Avatarfinder 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 credit cards with 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

    Default Gravatar
    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?

      Avatarfinder 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

    Default Gravatar
    Jae
    May 7, 2019

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

      Default Gravatar
      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

    Default Gravatar
    Stephen
    October 14, 2018

    Hi,

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

    Thanks.

    Stephen

      Avatarfinder 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

    Default Gravatar
    Raelene
    May 3, 2018

    Is 28 Degrees MC linked to any Frequent Flyer programmes?

      Avatarfinder 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

    Default Gravatar
    Belinda
    April 24, 2018

    Where does this card sit with frequent Flyer points?

      Default Gravatar
      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 our guide to know what does Mastercard’s Priceless Cities program entails you.

      Lastly, kindly look at our list of Qantas credit cards that will let you earn Qantas points for every dollar you spent on eligible purchases. Please use our comparison table to help you find the card that suits you. When you are ready, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

    Default Gravatar
    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.

    Default Gravatar
    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

      Default Gravatar
      Jonathan
      October 9, 2017

      Hello Brad,

      Thank you for your inquiry.

      Apparently, this card requires a good credit score. Usually, a card application would require a good score or better so I would recommend you to improve your scores before applying for a credit card. If you’d like to apply for credit now, you can check your alternative lending tools.

      Take note that eligibility requirements and product terms vary, so it is important to read the Product Disclosure Statement prior to application.

      Hope this helps.

      Cheers,
      Jonathan

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