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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 27.49% 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.	27.49%
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	3.5% 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 27.49% p.a.
Cash advances. The usual cash advance fee is 3.5% 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 3.5% 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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Michele

February 12, 2024

Can I use this card in South Korea. Travelling to Japan and South Korea next month

Sarah Megginson Finder

February 15, 2024

Hi Michele, As a 28° Global Platinum Mastercard® cardholder, you can use your card overseas where-ever Mastercards are accepted. You will also benefit from paying no international transaction or currency conversion fees on purchases made online or in-store overseas.

December 13, 2023

I am retired and a part pensioner. Will my application be considered?

Sarah Megginson Finder

December 14, 2023

Hi JM, We’re a review site and not directly affiliated with Latitude, so we’re not licenced to provide personal advice about your application chances of approval. To contact Latitude directly, you can click the green ‘go to site’ button to check eligibility or call 1300 363 269.

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Ashwin Kumar

November 27, 2023

Do I need to book my flight with latitude card to avail benefit of Flight Delay Pass?

Amy Bradney-George Finder

December 07, 2023

Hi Ashwin,

No you don’t need to book the flight with this credit card. You do need to register your card and the flight details through the Latitude website, and if the flight is delayed more than 2 hours details of the benefit options will be sent by email and SMS. I hope this helps.

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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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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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