28 Degrees Platinum Mastercard

Last updated:  

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 foreign transactions fees and a $0 annual fee.

21.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period


Details

Product Name28 Degrees Platinum Mastercard
Balance Transfer Revert RateCash Advance Rate (21.99% p.a.)
Purchase Rate21.99% p.a.
Annual Fee$0
Interest Free Period55 days
Cash Advance Rate21.99% p.a.
Minimum Credit Limit$6,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)0%
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

Pros

  • Ongoing $0 annual fee
  • 0% foreign currency conversion fees
  • Concierge service
  • Free Global Wi-Fi with Boingo
  • Complimentary Flight Delay Pass

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.
Annual Fee$0
Minimum Monthly Repayment2.5% of transaction value or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (Visa/Mastercard)0%
Cash Advance Fee3% or $4, whichever is greater
Overseas Cash Advance Fee3% or $4, whichever is greater
Overseas ATM Withdrawal Fee$0

Expert review

Sally McMullen

Review by


Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The 28 Degrees 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 rates and fees.

The complimentary global Wi-Fi 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 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, 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. 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 transaction overseas or online.
  • $0 annual fee. Not just for the first year, the 28 Degrees Platinum Mastercard does not charge an annual card fee.

Rates & fees

  • Annual fee. This card charges $0 annual fee.
  • Purchase rate. The purchase interest rate is 21.99% p.a.

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.

Back to top

Ask an expert

To ask a question simply log in via your email or Facebook or create an account.

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, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

280 Comments

  1. 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?

    • AvatarStaff
      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

  2. Default Gravatar
    Jae
    May 7, 2019

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

    • AvatarStaff
      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

  3. Default Gravatar
    Stephen
    October 14, 2018

    Hi,

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

    Thanks.

    Stephen

    • AvatarStaff
      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

  4. Default Gravatar
    Raelene
    May 3, 2018

    Is 28 Degrees MC linked to any Frequent Flyer programmes?

    • AvatarStaff
      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

  5. 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 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

  6. 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.

  7. 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.

      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

  8. Default Gravatar
    Janine
    August 29, 2017

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

    • AvatarStaff
      Harold
      August 30, 2017

      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

  9. 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 ?

    • AvatarStaff
      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

  10. Default Gravatar
    Merle
    April 19, 2017

    Can this card be used in Iceland and Greenland?

    • AvatarStaff
      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

Ask a question
Go to site