This card was previously called 28 Degrees Mastercard.
94 questions from our users
I am interested in exchange rates....what are these based on for 28 degree card?
Check the providers website, but usually most cards like 28 degrees exchange is based on xe.com then they make their profits by 3 main means, very clever/greedy one is from interest if you don't pay on time, the other is from their new charge fee when you do pay, then they make even more money trading your debt in foreign money exchange markets from minor fluctuations during the currency trading day using their customers spending habits with foreign countries.
SO the more debt you accumulate the more they have to 'play' with your debt.
can the 28 degree card be used in italy and croatia?
Robyn It can be used in Italy in fact major Italian retailers in Milan will willingly accept your 28 Degrees Card even if you aren't the legitimate card holder and you aren't present as we discovered. Following a little incident and contact with their Indian Call Centre, you wont get to speak with an Australian, we discovered the cardholder details were changed the credit limit upped and the card cloned and shopping in Milan in the space of 24 hours. The people shopping in Milan or someone in their call centre then extracted $10,000 from our business account so they could go shopping again.
I had used their personal payments portal on their website to pay the monthly dues the first few times this was done I had to input all the data myself, Debit Account No, amount etc, the last time I paid the account the data was there already, they store your data and it appears it is open and accessible to all, it is certainly not secure. My partner now has a disputed $14,000 dollar debt hanging over her head. 28 Degrees are most unhelpful with this they will not communicate with us. They were super quick to give us back the $10,000 from the business account we suspect as they knew they were in the wrong. Be very careful with 28 Degrees and their card sign up for it at your own peril there are other options, Citibank has a card that can do all 28 Degrees can.
How do I contact 28 degrees by email (I am working overseas)
I dont have an email address, only these contact details;
Within Australia call 1300 552 079
When overseas call +61 3 9445 0189
Contact us on Skype1 (limited to voice calls only)
Contact us on Facebook
Contact us on Twitter
Fax 1300 369 905
I dont wish to be rude but "Good luck" with that one, you wont find an email address anywhere in fact other than using their Indian Call Centre "Dont" all calls to their 1300 number go through India, you may get stung, they are extremely difficult to contact. Our contact with them over a fraud we found them to be unwilling, evasive and unhelpful everything was directed to India. Good Luck. If you consider using snail mail they wont reply unless it involves a debt you owe them. We even wrote to their senior management about our matter and ares still awaiting a reply a month later. Nothing.
I have a 28 degrees credit card and it has a "pay pass " signal on it. If i pay pass a purchase, is the transaction treated just like purchasing on credit, or is it treated as a debit transaction?
So what is the 95c that is charged? How do you pay your bill for free. If you pay the full
amount owing after your holiday are there extra charges?
The 95 cent fee is for, I'm told, third party payments. Basically you need to pay the card off through the 28 degrees website. You are prohibited from paying more than you owe, thus preloading your card for cash teller withdrawal when overseas and using it as a cashcard will cost you 95 cents for the privlidge. I queried this with their customer service department because Paypal and outward going Bpay are also known as third part but they somehow allow it. The card has lost its advantages and its new parent Latitude Finance unfairly put in a sneaky fee, Its a terrible insult when you are penalised for actually paying off your credit card. Its a fee that should never be allowed in Australia.
The 0.95c fee if you pay by Bpay is a processing/handling fee as you are using a 3rd party ie your bank or another bank. It used to be that you could pay it directly through your own institution, they took that away so you have to use their Bpay facility on their website or use their personal payment portal in the same location be careful here though if you use the persona payment portal, they store your personal banking data and it is not secure it can be compromised as we discovered to our detriment. Its just another sneaky practice to make money. They are not trustworthy.
How can I get a 28 deg. App on my iPad?
As far as I can see there is no app. I just google 28 degrees and go to the login page. I then save this to my home screen. You can look at your accounts online and I then just BPay the account when it is due ( in full).
Hello, I have the just this 28 degrees MasterCard. I am going to spur east Asia and planning on putting the card into positive $5000, does anybody know if this is okay to do? I understand there is a 3% or $4 fee for withdrawing cash on the card but I am wanting to know if there are fees for putting the card in positive ( I will be using it through the negative if I need) thanks in advance!
I have been charged anything for loading the card. They advise against it in their promotional material but not sure why. Maybe they just want people to accrue a debt and then pay interest. It has never been a problem for me
can I use the loaded cash money only for withdrawing from ATM ,and the credit money for purchasing?
It was worth while doing this in the past before they started charging fees about two years ago for cash withdrawal. I believe it is still the best card to use as a credit card and we still use it when travelling, but we changed to the citibank plus debit card to load cash for cash withdrawals. It also offers no international exchange fees etc. This works well for us, we have had no problems. Many people did this swap when the 3% fee for cash withdrawals was introduced.
I made an ATM withdrawal from Nat West in the UK in October 2015 which did not issue any money. However my 28 degrees account was debited for the intended amount A$950. I contacted 28 degrees, and Nat West over this issue and initially the amount was reimbursed to my account. Yesterday 15/02/16 28 degrees have debited this amount from my ANZ account and claim that Nat West state the money was issued, that this is as far as they can go with this complaint. Who do I claim against to seek financial redress? Nat West, 28 Degrees or ANZ?
Hi Harrison ! If I was you , I would be contacting the bank which owns the ATM - In your case it is Natwest I assume . Also I would be checking with ANZ how they can direct debit without your authority / signature.
Hi Pratheep, I've already contacted Nat West and physically visited the branch the day after this occurred. However, they stipulate as I'm not a Nat West bank member that it is the responsibility of the provider. Since this was a mastercard I've submitted a dispute with them, along with Nat West, and ANZ since it seems all parties are attempting to absolve themselves of responsibility. From what I've learnt to date I believe the card provider would be the one to take to task with the ombudsman, though I'm hoping for a defined answer from this site. Thanks anyway. H
Hi Harrison, Sorry to hear this. I personally did not have any issue whatsoever using this card overseas, including in the UK, but we should all be aware that what happens to you can happen to anyone regardless of the card they use. When Europe changed to the Euro, a charge I made a few days before the switch (in German Marks) was debited to the card as the same numeric amount but Euros not Deutche Marks!!! This was about one and a half more than it was supposed to be! I took it up with the bank who issued the card at that time (It was long time ago before the Wizard came out). It took me a several months until they reimbursed me the difference.
I suppose in your case I would still go to NatWest as they must be able to tell from the ATM logs for that day that there was a surplus. Unless their employees stole that surplus (which is also possible, I guess)... They must have some records of that ATM from that day. I am not sure how to make them to release these records. Perhaps the Ombudsman will be able to help? Please post your story as it unfolds. It would be very useful to everyone. I really wish you good luck with this. It is a very nasty issue.
Is there a non-use charge or a charge to load/reload the card?
Nope. This is just like any other credit cards. You just log into your banking and then BPAY to transfer funds. No annual / dormant fee as well.
There is no non-usage charge. You can have the card without making any transactions on it.
There is no charge to load the card, either. But, once loaded, you can only use the loaded amount for purchases without incurring a charge. If you want to withdraw the loaded amount as cash, a cash advance fee of 3% or $4, which ever is greater, will incur.
I've applied for this card online about 8 days ago, received confirmation email but had to wait for my mail to verify ID. Still didn't get any mail for the last 7 days so I called customer service. They told me to go to Australia post (which I will tomorrow) but now that I'm a little worried if I'll be able to verify myself (form says up to 10 business days), get my card delivered (which may take up to 5-10 business days) on time. I'll be travelling to US and Canada on 8th October. Anyone have an experience getting through all these steps within 14 days max?
How do I find out the exchange rate they are using at a particular time?
Can I prepay the 28 degree CC, if so up to how much can I put on the card before I travel?
Hi there just wondering if the 28 Degrees Master Card can be used like a regular credit card at any time, or is it only for when you are traveling & overseas? I.e, can I use is to buy dinner at a restaurant / go shopping, while in my hometown?
I got the 28 Degrees MasterCard to pay for something overseas in euros online. My normal bank's card would cost a fortune with their fees and currency rate. I checked the MasterCard conversion rate and I would only be paying a couple of bucks more than the actual exchange rate. Am I missing any fees that I need to consider?
If you have checked the MasterCard conversion rate, there exchange rates are all that the bank charges. Make sure you ask the merchant to pay in the overseas currency not AUD. this is because merchants sometimes use lower rates and add fees eg PayPal
I'm going to Hong Kong and Vietnam with the intension to load up my 28 degree card with extra $$ so I don't get slapped with cash advance interest. Does anyone know what ATMs I can use without incurring fees for withdrawals in these 2 countries? Thanks
Now that 28 Degrees Mastercard will, from January 2014, be charging for cash advances (even if the cash is your own money that has put the account in credit), what advantage does this card have over any other "travel wallet" product? I have been a prophet about this card to other travellers, but am no longer sure it is worth using.
No advantage at all for cash advances. However, travel wallets have their own sets of fees (there is a website that compares the fees for different travel wallets) and you need to check exchange rate when loading your choice of foreign currencies. I think this is where they may 'hide' fees. Citibank Plus account with visa debit card appears to be fee free, but the reviews are very mixed. Am still going to try this one for trip next year and keep 28 degrees for credit transactions.
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