In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Frequently asked questions
  • Your reviews
  • Ask a question
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Latitude 28° Global Platinum Mastercard

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Latitude 28° Global Platinum Mastercard
Terms and conditions apply
Purchase rate
27.49% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 55 days

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.

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 $1.95 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.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Frequently asked questions
  • Your reviews
  • Ask a question

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 $45
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.

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.

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.

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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Frequently asked questions

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Mo

March 17, 2024

Those 55 days , are they counted from the new purchase dates ? Or from statment generating date ?


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Sarah Megginson Finder

March 25, 2024

Hi Mo, The 55 days are calculated from the first day of your statement period. For instance, if your statement period is March 1 to April 25 and you make a purchase on March 1, you have 55 days interest free if you pay for the item in full on April 25.


If you purchase something on March 10, then you have 45 days until April 25 to repay the item in full to avoid paying interest.


This is why it’s described as “up to” interest free days, as the date you make the purchase impacts the interest-free period.


Your statement will show a full closing balance, and if you pay this amount by the due date, you’ll avoid paying interset.


Hope this helps!


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Michele

February 12, 2024

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


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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.


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JM

December 13, 2023

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


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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?


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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?


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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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