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Our verdict

Enjoy no fees on overseas purchases when you travel or shop online with the Latitude 28° Global Platinum Mastercard.

The Latitude 28° Global Platinum Mastercard is great for travellers looking to save with no foreign transaction fees on purchases and a $0 annual fee. You can benefit from up to 55 days interest-free on purchases and other perks such as a Flight Delay Pass.

The complimentary global data roaming 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.

Pros

Ongoing $0 annual fee
0% foreign currency conversion fees on purchases
Free global data roaming with Flexiroam
Complimentary Flight Delay Pass

Cons

High purchase interest rate of 26.99% p.a.
Charges a payment handling fee of $0.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude’s Online Service Centre or via direct debit.

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 on purchases and an ongoing $0 annual fee. You can also enjoy up to 55 days interest-free on purchases.

Details

Product details

Product Name	Latitude 28° Global Platinum Mastercard
Purchase rate p.a.	26.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	29.99%
Min credit limit	$1,000
Card type	Mastercard

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Bonus points

N/A

Fees

Annual fee	$0
Minimum monthly repayment	2.5% of the closing balance or $30, whichever is greater
Late payment fee	$35
Foreign currency conversion fee	0%
Cash advance fee	3% or $4, whichever is greater
Overseas cash advance fee	3% of transaction amount or $4 (whichever is greater)
Additional cardholder fee	$0

How to apply

You can apply for the Latitude 28° Global Platinum Mastercard online in under 10 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 legally have the right to work in Australia and intend to stay for at least 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.
Mobile phone with a camera. You may be required to complete a facial ID check.

Go to Latitude Financial's site More info

Card benefits

No foreign currency conversion fees on purchases. 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. You can also add an additional cardholder to this account for $0.

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.
Travel booking discount offers. You'll get a 10% discount on selected hotels booked through Expedia and Wotif when you pay with your Latitude 28° Global Platinum Mastercard before 30 September 2024 and stay before 31 December 2024.
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. Make sure your flight is registered for each leg, with multi-leg trips requiring separate registrations. The pass 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, Google, 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 Specials and Priceless Experiences.
Flexiroam global data roaming. This card offers complimentary global data roaming with Flexiroam, which offers access to hundreds of telco networks around the world. This service offers a choice of SIMs and one promotional data plan per year, which includes 3GB of free data for 15 days. There's also a 15% discount on additional data purchased with the Latitude 28° Global Platinum Mastercard.

Rates & fees

Purchase rate. The purchase interest rate is 26.99% 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 29.99% p.a. charged from the date of the cash advance.

Foreign exchange rate. Any purchases in a foreign currency will be subject to the exchange rate calculated daily by Mastercard. Unfortunately, you can't lock in an exchange rate to take advantage of competitive rates.
International ATM withdrawal fees. You can withdraw cash overseas from your card, but keep in mind these transactions are treated as a cash advance which carries a fee of 3% of transaction amount or $4 (whichever is greater).

Go to Latitude Financial's site More info

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.

Frequently asked questions

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)
- Australia Post (which comes with a $3.95 fee)
- Automatic monthly direct debit
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 8:30am-8pm on weekdays and 9am-6pm 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 +61 287 478 178 if you're overseas.

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Raj

August 24, 2023

Is there fee free ATM cash withdrawals in Australia and International?

Amy Bradney-George Finder

August 25, 2023

Hi Raj,

ATM cash withdrawals made with this card are treated as cash advances and attract a fee worth 3% of transaction amount or $4 (whichever is greater). These transactions also attract the cash advance interest rate. This is similar to other credit cards, so you may want to consider a prepaid travel debit card or regular debit card for cash withdrawals instead. Keep in mind individual ATMs may also charge fees, which will be displayed on the ATM. I hope this helps.

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Susan

August 01, 2023

I have a 28 degrees global platinum mastercard.

Why do I pay interest every month, and dont get the 55 days interest free credit?

Why am i charged insurance monthly also?

Amy Bradney-George Finder

August 07, 2023

Hi Susan,

Interest-free days are only available if you pay the entire closing balance listed on each statement by the due date. So if you carry a balance on the card from month-to-month, interest would apply. In regards to insurance, this card previously offered Shoppers Protection insurance, which attracted a fee based on the percentage of the account balance. According to the insurance policy document on the Latitude website, this insurance attracted a fee worth 1% of the card’s balance for policies purchased after 20 August 2019. You can contact Latitude on 1800 800 230 to discuss or cancel this insurance. I hope this helps.

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Loui Soravia

May 30, 2023

Dear Sir/Madam

I’ve tried to call the number 1300552079 and waited for quite some time 15 min or more no response..!! as I do travel overseas and use my Latitude Global Platinum credit card I’m concerned if I have a transaction problem I can’t wait that long for a response to resolve the problem is a different tel. for calling for problems thank you..

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Sarah Megginson Finder

May 30, 2023

Hi Loui,

We’re a review site and we’re not directly affiliated with Latitude, so we can’t provide any customer support.

For emergency issues or to report lost and stolen cards, their support line is open 24/7 within Australia: phone 1300 882 289.

Hope this helps!

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Liv

May 02, 2023

Can you use this card in Fiji with Fijian dollars?

Amy Bradney-George Finder

May 04, 2023

Hi Liv,

You can use this credit card in Fiji with any business that accepts Mastercard credit cards. Any transactions in Fijian dollars will just be converted to an Australian dollar amount before they are shown on the credit card account. I hope that helps.

Bernard

February 27, 2023

I have read that Latitude send sms messages when you are abroad to confirm purchases. If you don’t have international roaming, won’t this make the card unusable?

Amy Bradney-George Finder

March 07, 2023

Hi Bernard,

If you were overseas and suspicious account activity was detected, it’s likely that Latitude would send an SMS or attempt to make contact by phone. This is a security process that’s used by many other bank and credit card fraud detection services. Most cards include an international phone number that you can call when you’re overseas and something happens, such as the card being blocked. This card also offers global data roaming through Flexiroam, which could be another option to consider. You could also let Latitude know before you go overseas, so there’s awareness about where you’re going.

Hope that helps!

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Sally McMullen was a creative content producer at Finder. Sally wrote 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. See full profile

Latitude 28° Global Platinum Mastercard

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Can I load my card in credit to avoid being charged the cash advance interest rate?

What exchange rate will I receive when using this travel credit card overseas?

Does the pre-loaded AUD automatically convert to the currency of your current destination?

Can you use the Latitude 28° Global Platinum Mastercard in China?

How do I pay off my Latitude 28° Global Platinum Mastercard?

How can I cancel my Latitude 28° Global Platinum Mastercard?

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