Latitude 28 Degrees Global Platinum Mastercard

I'd leave no stars if possible. I initially applied for the Latitude card on the 25th of June. Despite me living in a Duplex and in application stating that my address had a letter after it, they sent my card twice to the wrong address. I had to call them twice to ask where my card is, the second phone call the realised it was the incorrect… Read more

address.

This company almost ruined our trip to Japan, luckily we just happened to bring our other bank cards with us. After activating the card back home in Aus on the 21st of September (and receiving the confirmation email), I felt that the card was ready to use, even set it up in my Google Wallet as the email suggested to do this. We attempted to use it once we arrived overseas only to have it declined. Then spent two hours of our trip, talking to customer support only to be informed it was not activated despite receiving confirmation on the 21sth of September. I spoke to a consultant who told me i had not activated the card, but somehow had set a pin number, i was assured all was good. Attempted to use it again on the 3rd of October to buy tickets online, I opted for it to send a confirmation number to my email for the purchase as I was using an E-Sim. I spoke to customer service, once again and was told my card was not activated, he also said that their company would be sending texts to comfirm the purchase. I again explained I am in another country and can do this over email. The consultation told me as per policy I should have contacted them and told them I was going to Japan and this is the issue. I had been told the consultant that she had updated i was in Japan and had also noted this when I spoke to the consultants, when my card was being sent to the wrong address. Support just kept trying to blame us for it not working and now required to have sms confirmation. Like so many travellers we are using E-sims so this is not possible. If you want a reliable card go else where this company is useless. This has caused do my unnecessary stress. I could have been stranded in another country with effectively no money, the company could not care less. How appalling!!!

DO NOT GET A CREDIT CARD WITH THIS COMPANY. 10 years ago they were reasonable but over the last few years have progressively got worse. Initially no monthly fees, then introduced a monthly 0.95 admin fee, then it goes up to $1.95 a month - ok that I could accept but then all of sudden and on top of these fees they introduced a monthly $8… Read more

charge. Today tried to check my balance on the app but now it's asking to link my existing credit card again? tried but does not recognize my email address? Call customer service, wait time says over 20 minutes, 10 minutes in on waiting on the phone, a robot comes on and says we are experiencing technical difficulties call back later and hangs up. Tried to call back several times and still says experiencing technical difficulties. All I want to do is check my balance, pay off this card and cancel the card, but I can't even do that because there is no access to my account and no customer service???? Judging by the previous reviews it's obvious they have lost many customers, I can't see this company being around much longer.

Fantastic – I was sceptical at first when I got this card was reading all the bad reviews so went overseas and was very worried it would not work First stop over was Doha used it and It worked no trouble second stop Italy used the card every day had not one ounce of trouble Restaurants, car hire,shopping,petrol,everything worked card was awesome Don’t know… Read more

what all the bad reviews are about My experience was fantastic will use it again Thank you latitude

Product fine. But no CSV statements or direct form contact – While I have no qualms about the product itself, some administration tasks need improving: 1. You can't download CSV statement data. You are stuck with PDFs. It's like being in 2003. 2. You can't contact Latitude via a form once logged in. Terrible. Show details

good experience – I've been using this for probably a decade. Compared to my other credit cards, no issues here, unless you forget to pay them back at the end of the month. But I suspect that's universal for all credit cards. I haven't actually had to interact with their customer service agents, so I wouldn't know about that side of the experience.

Do not get this card! I’ve had this card for almost 10+ years but: 1. They recently introduced a monthly card fee without proper notification to their customers. As I only use this for travel and not my everyday card, they charged me interest on the monthly card fee even though I made no purchases. 2. This happened on more than one occasion and… Read more

they blocked my card (just on 1 unpaid card fee of $8) and I was without a card while overseas! I called to make an urgent manual payment so the block could be removed, they were unable to do anything they said. 3. Finally, I later found out while refinancing, my credit score dropped 350 points from these unpaid/late card fees and now I’m in a position where my application which would otherwise go through easily is in question.

Latitude Financial in general has unclear, almost illegal fees, and they don’t care if it affects you even if you’re not at fault. I have now closed my card and will never entertain any of their products.

I've been a 28 Degrees customer for SIGNIFICANT years without any issues & it seems since Latitude took over, the systems for calculating payments & showing incorrect-not matching balances across their apps & online portals are fraudulent behaviour which has resulted in interest charges on numerous occasions which I have queried & disputed many… Read more

times. NOT HAPPY. I pay my card out early every time & keep a close eye on my available balance yet I still get slugged cash advance interest charges & do not get any benefit from any interest free period. Unscrupulous behaviour, just like the rubbish (probably illegal) rewards program introduced...charging a monthly fee to offer it as 'credit' which you can't even redeem. Didn't get a choice for this either nor were any better services introduced to warrant it.

Had a 28 degrees card for almost 20 years since it was called a Wizard card. Until 3 years ago 28 degrees was the best card available but then Laitude brought in monthly charges. I cancelled my card only to find out my wife was still getting the same card fee free. When I contacted Latitude I was told that they only offered a fee free cards to… Read more

random customers. I told them of my 20 years loyalty with 28 degrees but that meant nothing.i was told that they would reinstate my card as fee free for 24 months, this I agreed to. A few days later they withdrew my request to reinstated the card. Honestly, since Latitude has taken over 28 degrees they have become an awful financial company. I recommend not to deal with Latitude but to shop around, there are other banks that offer fee free Mastercard with much less interest charges than Latitude offer. I for one would certainly not recommend Latitude to anyone.

Been a customer for more than 10 years. Used to be good, but they've gradually stripped off all the original benefits, while also re-doing their website so it's now useless, removing any trace of customer service and leaking all my personal details when they got hacked a couple of years ago. As the final insult they've now slapped on a monthly… Read more

fee. Apparently I have accumulated $90 in 'Lattitude Rewards' - but after 20 minutes of trying, there doesn't seem to be any way to actually redeem them via their website, and they don't do customer service. Time to leave.

RUBBISH - This was the best card on the market for international travel / purchases. Seems everyone had one for the same reason, no exchange fees. They introduced a monthly fee without any fan-fare so we all go hit, and very upset, and to be fair, rightly so. So the nice lady in the Philippines closed the account and wiped the fees, which I guess… Read more

was their strategy, to get rid of all those mostly dormant accounts and it worked. THEN they send me an email 4 months later saying, "We want you back". I thought, OK, reactivate the account on the promise of 24 months fee free and then we'll see. BUT NO, you have to apply again for credit approval. And I never use credit, I pay up front. The thing that makes me really cranky about Lattitude is the lack of clear communications, dealing with agents that either can't understand you or you can't understand them. Lattitude MC need to sort out what they want to be before making customers jump through inconvenient hoops on a hiding to nowhere.

Despicable, dodgy company ran by shameless greedy people. Not only there is a lack of communication from them—that I had unpaid fees (since they introduced monthly fees) because the card had been free forever and I only travel a couple weeks each year—but also for no good reason they decided to give me bad credit, again without any communication… Read more

whatsoever, over less than $50 of unpaid fees. Now this $50 is costing me a credit card application and quite possibly a mortgage. Dogs.

$8 card fee. 27% interest rate. Takes 5 days for payments to clear and become spendable. $1.95 BPay payment fee. Annoying customer service phone options to talk to someone, with long wait times. I just cancelled my card and so should you. There are much better options out there. Show details

charging $8 per month for no customer service. I use the card for oversea purchase but the card does not work! Payment cannot go through! Even cannot buy a $5 coffee here. Called customer service few times, they only could say everything looks fine on our end, cannot fix the issue, no customer services. I'm closing this account, there are alot of card offer no international transaction fee and $0 monthly fee. Terrible! Show details

I’ve had this card for over a decade and used to really like it for international travel. However recently they’ve added a monthly card keeping fee on a card that was free when I signed up. As the card had no money owing on it I hadn’t checked in months to find many months of fees charged with no notice of the fees being applied. The interest on… Read more

the card has always been high, but it’s now over 27% which is much higher than most cards. Looking online I can get much better cards with no fees. With no help from customer service I have decided to cancel my card as have all my family members.

Stuck overseas without money. What a joke. Yes the card does not charge fees but the app only allows you to pay off amounts up to the current balance of the card. I am travelling though Italy and after 5 days of hotels, meals and hire cars my credit limit has maxed out and I can’t pay off the card as these transactions are mainly pending. It takes… Read more

3-5 days for the payment process to receive funds from my bank meaning there is no way to stay “ahead” of my current spending. I have been a customer for a long time and they have changed this process. Contacted them via chat and nothing they can do to help. App is a joke, and now I am faced with navigating travel without my planned travel card.

Apparently Latitude have introduced a $8.00 monthly fee, whether you use the card or not. When I called and asked if this can be waivered, the answer was short and sweet NO!. I paid the balance due in full and was advised I had to call back to ensure the payment cleared and close the account, which I did. Upon calling them I didn't allow for… Read more

the bpay fee and was charged ANOTHER $8.00. This was written off and I closed the account and cut up the card. Today I received a txt message offering me no monthly fees for 2 years, SORRY TOO LATE! There are so many other institutions and products available that dont have monthly application fees.

I wanted to help my mum close a credit card account with 28 degrees latitude, and explained my mum has brain cancer with two brain surgeries, and would need assistance. The customer service wouldn’t let me do a conference call, as we live in different states, and they called my mum who could not verify herself with customer service. My nephew had… Read more

to call back to assist my mum, and the customer service person said he can’t help my mum with the answers, as she kept getting the numbers confused. This is a disgraceful display of customer service, with a lack of compassion and understanding towards someone who now has a disability. This is could be considered discrimination. If there was a resolution, the customer service definitely didn’t show any other options. Or patience with my mum.

My mum has not used this card in more than five years and due to a change in policy, 28 degrees latitude have started charging card fees. She did not understand what the statement was for and had been charged a credit interest for payment, which was giving her stress.

I also had the same card, and last year on several occasions attempted to contact 28 degrees latitude to cancel my card, and was unsuccessful firstly getting through on the phone after waiting two hours, and also contacting them via email. I lastly went online to cancel my card and reconfirmed via email that I would not be paying the credit interest, and I did not get a response from customer service to this day.

NEVER EVER SIGN UP WITH THIS COMPANY – They're just a huge scam and basically a loan shark company. You end up trapped to them for decades trying to pay off a small debt, cause of their absurd $45 late fee and nearly $80, so every month you're being charged an extra $135, so if you're paying $100 every month, you're paying at a loss. They don't even notify you of any plan changes or… Read more

cancelations at all either, if you're on the hardship plan, and pay MORE than the agreed amount, they'll cancel your plan and charge you nearly $100 of interest more, and they charge interest rates at illegal percentages too.

If you were on the 60-month Harvey Norman deal from back in 2023, you should find out if your plan has been canceled without your notice too, cause that's exactly what happened to me, I was never notified at all, as it was last October, I should've been notified and never was, and they keep saying I was told when I wasn't told. When I was on the hardship plan, I was told if I paid more than the min, that would be fine. Apparently, it was not, cause that got canceled without notifying me as well

I have paid $510 to them and only roughly $120 out of all that was paid to my debt. Their customer service was so unhelpful. They just kept going in circles repeating and I guess they didn't understand what I was saying, they kept telling me to go to Harvey Norman about this issue and that makes no sense at all, cause the job isn't with them anymore, it's with LATITUDE!

They don't want you to pay off the debt/loan, they want you to stay in it for as long as possible, and its horrible for anyone who doesn't know any better. They're not like any other of those buy now pay later companies, like Zip or Afterpay, Latitude isn't transparent, they're sneaky and lie, and change everything behind your back without notifying you till you check, and see only 120 dollars was paid of the over 500 you paid over a few months.

Oh and if you pay via Bpay, guess what???? You STILL GET CHARGED LATE FEE'S!! Why? I really don't know, But I've been paying via Bpay and even though it's over the minimum amount, I'm still being charged their absurd late fees. This card ain't getting paid for at least a decade at this rate, maybe more

Well done Latitude, you've lost another Customer – After ten years of putting up with their appalling lack of customer service Latitude have now changed the rules and introduced a monthly fee making it an annual cost of $96. With one of the highest interest rates on the market why would they need to start gouging customers for an $8 monthly fee? It is clear with Latitude that the "cost of living… Read more

crisis" is falling on deaf ears. I will now be moving on to another credit card with the same features but no monthly or annual fees.

Disappointed – Some subscribers get charged $8 monthly fees but others don’t. Their customers service cannot tell me why. Seem a very unfair and discriminatory system. Show details

Latitude 28 Mastercard fees for a card I had a decade ago – I received a letter saying I owed money on a Latitude 28 Mastercard - I hadn’t had a card with them for over 10 years. I went on their online chat and they said my debit balance had actually increased. As soon as I said I would be complaining to AFCA they told me they would resolve the situation and waive the fees. What a waste of my time and theirs. I would never do business with them again.

FRAUD? By latitude 28? – Shocking, that still getting charges for a stolen card over Seven years ago. Which I did NOT re-issue. Is this fraud? I ask myself. update:- wrote to the AFCA asking them to sort it out, because repeated phones to Latitude 28 fell on deaf ears. I finally received through the AFCA a letter from Latitude 28 saying no more charges. go AFCA! THANKS

Terrible company, steer clear – terrible company. I was with them for eight years and cancelled my card when they introduced admin fees. I then reapplied and my application was declined even though I proved I am in the top 2 per cent income wise in Australia. No explanation. Go elsewhere. They are a disgrace.