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

Preloading funds to your Latitude 28° Global Platinum Mastercard into a positive 'credit balance' is not recommended. The cash advance fee will apply when you withdraw funds whether or not the account is in credit. It is important to note local ATM fees may also apply.

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

Any transactions made in a foreign currency will be converted at the daily Mastercard exchange rate . To find out the exchange rate for your destination, select the base currency as 'AUD' and the full list of exchange rates will be provided for the specified date.

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

Yes. Mastercard will convert your AUD to the domestic currency at the daily exchange rate with 0% conversion fee.

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

Yes. Banks that accept Mastercard include the Bank of China, Bank of Beijing, Standard Chartered, Travelex, China Merchant Bank and Industrial and Commercial Bank of China.

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

You have four options when repaying your Latitude 28° Global Platinum Mastercard: Use the Latitude Service Centre to debit a payment from your bank account BPAY (which attracts a $1.95 fee) Australia Post (which comes with a $3.95 fee) Automatic monthly direct debit

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

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.

Latitude 28° Global Platinum Mastercard

Our verdict

No international transaction or currency conversion fees on purchases when you travel or shop online with the Latitude 28° Global Platinum Mastercard.

The Latitude 28° Global Platinum Mastercard is great for travellers and shoppers looking to save with no international transaction or currency conversion fees on purchases. Shop and be rewarded with the Latitude Rewards Program to spend at a wide range of retailers. Shop with confidence with complimentary E-commerce and Purchase Protection Insurances.

You can benefit from up to 55 days interest-free on purchases and other perks such as a Flight Delay Pass. Global data roaming will help you save on travel costs.

Pros

$0 first-year annual fee
0% international transaction or currency conversion fees on purchases
Shop and be rewarded with the Latitude Rewards Program
Complimentary E-commerce and Purchase Protection
Free global data roaming with Flexiroam
Complimentary Flight Delay Pass

Cons

Purchase interest rate of 27.99% 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 Service Centre or via direct debit.

Details

Product details

Product Name	Latitude 28° Global Platinum Mastercard
Purchase rate p.a.	Purchase rate p.a.27.99%
Interest-free days	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

Rewards program	Latitude Rewards
Bonus points	N/A

Fees

Annual fee	$0 first year ($96 after)
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% of transaction value or $4, whichever is greater
Overseas cash advance fee	3% of transaction value 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.

Card benefits

Annual fee waiver. New and approved applicants receive a $0 annual fee in the first year (normally $96 p.a.). The fee will also be waived in the second and subsequent years when you spend at least $12,000 on eligible purchases in the previous year.
Up to $340 Latitude Rewards. Earn $100 bonus Latitude Rewards when you apply by 28 August 2025 and spend $1,000 or more on eligible transactions each statement period in your first 3 months of approval. You'll also get $10 Latitude Rewards per month when you spend $1,000 or more on eligible purchases and an extra $10 Latitude Rewards per month when you spend the equivalent to AUD$1,000 or more on eligible purchases in a foreign currency within the statement period (up to $240 per year). T&Cs, card fee, and other charges apply. New and approved customers only.

0% international transaction or currency conversion fees on purchases. This card can save you money with no international transaction or currency conversion fees on purchases overseas or online.

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.
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.
Great foreign exchange rates. You can get competitive exchange rates set by Mastercard.
Additional cardholder at no extra fee. Share all the features and benefits without needing to open a second account.
Shop with confidence with complimentary E-Commerce and Purchase Protection Insurances. Get cover for the damage or theft of purchases and from non-delivery or incomplete delivery of online purchases.
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 make contactless payments through PayPass and enjoy a range of credit back offers, discounts and deals from big brands at home and abroad, like Mastercard Priceless Specials, Booking.com, Expedia and Wotif. Exclusions and T&Cs apply.
Flexiroam global data roaming. This card offers complimentary global data roaming with Flexiroam, which offers access to telco networks in countries across the world. You can also get 3GB of free data each year, and 15% off any extra data purchased in over 150 countries. T&Cs apply.

Rates & fees

Annual fee. Outside of any promotions, the Latitude 28° Global Platinum Mastercard charges a $96 annual fee.
Purchase rate. The purchase interest rate is 27.99% 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 .

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 Latitude Service Centre to debit a payment from your bank account
- BPAY (which attracts a $1.95 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.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Latitude 28° Global Platinum Mastercard information PDF
2. Latitude 28° Global Platinum Mastercard TMD

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Mel

May 10, 2025

Is travel insurance included?

Tim Bennett Finder

May 12, 2025

Hey Mel – thanks for the question. No, the Latitude 28° Global Platinum Mastercard doesn’t come with complimentary travel insurance, despite offering perks for overseas purchases.

If you’d like to have a look at credit cards that do offer complimentary travel insurance, you can have a look on this page.

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Tom

April 22, 2025

Are the monthly rewards capped?

Sarah Megginson Finder

April 22, 2025

Hi Tom,

With this card, you don’t earn points. Instead, you can get up to $120 worth of Latitude Rewards each year, which you can redeem for e-gift cards from participating retailers when you spend $1,000 or more on eligible transactions in every statement period for 12 months. So the cap is essentially $120 worth of rewards per year.

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Andrew

April 19, 2025

The customer receives $10 Latitude Rewards for each month they spend $1,000 (effectively a 1% purchasing discount)

However is there a maximum limit of only that $10 reward per month, even when higher spending has been made in that month?

Sarah Megginson Finder

April 22, 2025

Hi Andrew,

Yes that is correct, the maximum amount of rewards is $120 per year. If you spend more than $1000 per month routinely and you’re looking to get more rewards from your spending habits, you could look at a different type of rewards card – you can check out some options here. You can get bonuses of up to 150k points, which can be worth thousands of dollars worth of flights or gift cards.

Hope this helps!

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Steven

April 16, 2025

I’m interested in your latitude 28° global platinum mastercard. In your eligibility, you want employer details. I’m a retiree with self funded income. My rental income is over $100k a year. Do I qualify for this card?

Steven Lau

Sarah Megginson Finder

April 22, 2025

Hi Steven,

We’re a review and comparison site, we’re not affiliated with Latitude directly. Your best bet is to contact their customer service team directly to enquire about your eligibility. You can reach them on: 1300 552 079

kylie

September 05, 2024

Hi, will the monthly fee be charged at $8 each month or in a bulk payment of $96 when you first get issued your card please

Sarah Megginson Finder

September 09, 2024

Hi Kylie, The fee will be issued and payable every month.

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?

Sources

Your reviews

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