This card was previously called 28 Degrees Mastercard.
|Category||No Annual Fee Credit Cards and Frequent Flyer & Travel Credit Cards|
|Benefits||No Foreign Transaction Fee|
|Minimum Credit Limit||$6,000.00|
|Additional Cardholder Fee||$0.00 p.a.|
|Contactless Payments||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||21.99% p.a.|
|Cash Advance Fee||3%|
|Late Payment Fee||$30.00|
|Annual Fee||$0.00 p.a.|
|Foreign Transaction Fee||0%|
|Overseas ATM Withdrawal Fee||$0.00|
|Interest Free Period||55 days|
|Cash Advance Rate||21.99% p.a.|
Reviewer Photos & Videos
Disgusting customer service
I called them 3 x today to make a payment. Each time involved me waiting for 30-40 min for connection to a customer service representative, and then being put on call waiting again. The first time for another 30 min until it hung up. The 2nd time for 5 min then it hung up. I am currently waiting again….I’m so close to cancelling this account!
Worst customer servixe
Good service overseas.
Fraudulent activity on my card with completely out of character purchases (I only use my card for travel, and haven’t used it in 2 years due to COVID then has some random Microsoft store purchases).
Latitude’s system did not pick up the fraudulent activity.
When I reported the fraud, it was not made clear that I still had to make the minimum repayments and, hence, have been charged late fees and now my credit rating has taken a massive hit.
My replacement cards have still not been received. I’m
All staff seem to be reading from a script and struggle to talk off script. Bad service fr what seems like a massive call Centre. Avoid!!!!!!
2 tier security system trap!!!
My wife and I are in Europe with our 28 degree Mastercard. We have tried to book various bus and train trips on line using the card BUT a security code is being sent to our Australian phone number which we are NOT using in Europe!! Therefore we cannot access the code to complete the payment!! This renders the card USELESS for online payment here!!!The security code should be sent to email which would remedy this problem as we do have wifi access. Master card senior and technical management need to immediately fix this problem But don’t seem to be listening!!!!
Worst customer service
Cancelled my account without any notification due to inactivity during covid. Travel in 3 days and told I’d have to reapply as a customer. Worst customer service when trying to resolve the issue. In addition took an hour to get through.
Worst customer service
I have been applying for a supplementary card since 15th may. Submitted all documents, and called them after 2 weeks, the operator asked me to reapply again which I did. 30th May I called to check, my call was cut off many times. I have been using 28 degrees for years and it used to ne good but not the customer service has done down hills. I can hardly understand them since most of calls centre are either from India or Philippines. Very disappointing.
Horrible customer service and fraud department
I've used this card for years during travel. last two years due to COVID, i stopped using the card. Only to realise there was fraud activity on my account 1/2022. I contacted the fraud department and was reassured everything would be taken care off. Instead April 2022, i receive a letter of late payment notification, only to realise, they've only cleared half of the fraud amount and cumulated the rest as late payment fee. Contacted them again, and manage to sort things out eventually. June this year, another late payment fee, this time o...nly 50 dollars remained on my account costing me to have a BAD CREDIT PROFILE with my other bank .....I contacted 28 degrees to rectify the issue, they instantly relieve the money away from my account, but then, can not find anyone who can help me to rectify my credit profile!!!! I've spoken to customer service daily, and each they, they lie to me about they'll call me back, which they never do. I get hung up half way through conversation. Some of them are extremely rude, no one is held accountable for this "system error', it is almost as if it's MY FAULT, i'm not patient enough to wait for them to get to me through thousands of phone calls they receive. It is the most incompetent fraud dealing I've ever encountered. Their customer service is absolutely ridiculous, sometime I dont even think the other person understand English. Utterly disappointed with this company, hopeless now
Go with ING instead
I’ve used this card for over five years and it has gone downhill as a foreign transaction card. Firstly, their online and app offerings are the worst! All their services are useless once your leave australia, especially if you don’t use your Australian phone number while abroad. You can’t add a non-Australian phone number to your account, so if you want to change your SIM while overseas or turn off your roaming, you then can’t purchase things online that require text verification codes (a lot of things do now, like a lot of plane and train tick...ets). I have also gone through seven rounds of emails with three different people to try and sort an issue while I am travelling, and each new person has no idea what is going on. It’s been ongoing for over four weeks. There’s no online chat and very simple questions can’t be answered.
Look for another alternative, terrible app and customer service
The web client and app is terrible and basic. You would think it would improve over the years, but no. Attempts to make payments via the app fail constantly. The ability to pay via the web client from the bank account has been removed. BPAY payments cost $0.95. In order to pay my outstanding balance I had to spend an awful amount of time on hold (32 mins) before a human picked up, in 2022 this is not acceptable.
Once speaking to a human, it was not any better. I was told on a Thursday business day that an upgrade was taking place hence why the payment ability on the app and web portal was down. Seriously!? Who does an update to a financial application during business hours?! Stay way!
Poor customer ‘service’
Had an issue with the account not updating after making a payment. After spending an hour on hold and trying the online service ‘chat’, was unable to speak with a person.
Worst experience ever
The call centre experience was woeful - the staff put you on hold repeatedly to find out basic information. One didn’t know what a debit or credit was. Others hang up on you when you ask for a supervisor. From the onset, I had issues with card activation, then they suspended my card after I’d provided all my ID at the application stage. All this one week before holidays. I have no confidence this card will work overseas at all or that I can reliably ring someone for help. And the global roaming hotspots offer and access to lounges due to flight delays now look like they are not available…. Sigh.
Used to be a great card for overseas, now no customer service and misleading travel insurance
This used to be a great card for overseas transactions. They advertise now complimentary travel insurance with certain conditions etc. I have met them and been trying to contact them for over a month to see if I have travel insurance but no replies. Customer service also used to be great with online chat feature etc but now it appears to be non existent.
Look around for a better product
It seems only the primary card holder can register to use the app. That's no good when the primary and secondary card holders are both travelling and both need access to the app. The call centre agent had no idea and cut the call and the chat option no better. I was advised the secondary holder needs to log in under my name and password to access the app. Does not sound right to me and I'll be looking for a better product
Free Travel Insurance?
The card is promoting free travel insurance if you spend over $1000 on Platinum Card. I spent $4000 with United Airlines, there was NO automatic issuance of travel insurance. I should have abandoned follow up then and there, however wasted time on many , many phone calls to people who in some instances were vague (knowledge about product) or unable to communicate in English. They also got me to send several emails backing up my purchase and ID. That was 3 months ago, still no reply about if or when I may be covered by insurance, reportedly AIG. I treed calling them too, what a joke and a complete bunch of amateurs! I have since paid to obtain travel insurance from a reputable company - 0/10 for everything. Will be cancelling the card.
Terrible process to get the card and we were forgotten
Really unhappy with the team. I started my process to get a credit card more than a month before my trip. I submitted the documents required on 17/04, and I got a message saying that I would get an answer in 2 business days. After 10 business days, I had to contact Latitude 28 to see if my card was on the way ... when I was told that they need more documents from me. Why wasn't it asked before? I also sent an email before chasing them. The customer service attendant didn't even say sorry for my waste of time in trying to buy their product... really didn't care about how bad it was handled.
Good features; terrible customer service and app
The card itself is good - no annual fee, good for use overseas, high interest rate but offset but no annual fee. Their app is terrible and buggy. Their customer service is non-existent, bordering on hostile. They mistakenly took over $4,000.00 out of my linked bank account and getting it refunded has been an ordeal. I used to recommend this card to others, but could no longer do so, and am in the process of cancelling the account now.
Questions & Answers
How to change pin of supplementary card
Online access website seems to go on maintenance more these days. Is this a way to push people to use their mobile app?
I only use the card intermittently and therefore not using the app to any great extent. I usually go to website as a first resort as this gives me a better experience. Not sure about ongoing maintena...nce issues due to lack of use. Prefer other cards as product and experience with apps better, plus other cards have less fees.
Can I load funds on top of my credit limit & use as cash withdrawals when OS? Or will I be charged a fee to do this? Anne
Latitude won’t allow deposits above current balance owing. They don’t want you to use as a debit card. They charge a relatively high fee to make cash withdrawals from the account. Citibank Plus debit ...MasterCard is a better card which allows you to buy currencies at a competitive rate and use when travelling. It’s a debit card, unlike 28 Degrees which is a credit card.
Get an answer from our members and Latitude Financial representatives
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.