This card was previously called 28 Degrees Mastercard.
No Annual Fee
No International Transaction Fees
No Currency Conversion Fees
Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)
Website and app experience seen as sub-par
|Category||No Annual Fee Credit Cards and Frequent Flyer & Travel Credit Cards|
|Benefits||No Foreign Transaction Fee|
|Minimum Credit Limit||$6,000|
|Additional Cardholder Fee||$0 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|
|Annual Fee||$0 p.a.|
|Foreign Transaction Fee||0%|
|Overseas ATM Withdrawal Fee||$0|
|Interest Free Period||55 days|
|Cash Advance Rate||21.99% p.a.|
|Release date||Aug 2006|
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Reviewer Photos & Videos
This card was fantastic - now not so good
This was my default travel card. However it is not nearly as good as previous. Previously there was no extra charge for withdrawing cash. They now charge. Also when travelling this card gets randomly rejected at some places, much more than other cards. Also most annoying is that they have introduced a charge for most ways of paying off this card. Since they introduced charging people to repay their debt I am now considering other options for travel.
Rejection of transactions
I have had some embarrassing moments when a transaction has been rejected. The first time I phoned UK to pay for a tour and the transaction was rejected as subsequent investigation indicated that the 28 Degrees thought it was fraud.I have had some embarrassing moments when the transaction has been rejected. The first time I phoned UK to pay for a tour and the transaction was rejected as subsequent investigation indicated that the 28 Degrees thought it was fraud.The second time I needed to pay the same company again I phoned the office to info...rm them of my intention and again the transaction was refused. The next morning I phoned and indicated my annoyance at this rejection and was then assured that there would be no trouble when I phoned the UK that night. There was always sufficient funds in the account for the transaction. 28 Degrees had not informed me that I would need to get clearance to make these transactions. I have never encountered this behaviour with any other credit card I have held.
Useful and fuss free but didn't like surprise payment fee
Very useful overseas, had it for years, would still recommend to others as a useful no-annual-fee card with no overseas transaction fees. I haven't compared their exchange rate recently though for a double check.
I was not at all happy to be charged recently for making a payment via bank transfer, guess I should have read about changes to my account, but I really never expected fees for making payments.
- Verified customer
28 Degrees Card, the best travel card
This is probably the best travel card out there. No annual fees, no currency fees and 4% cash advance rates are just some benefits. The only bad thing are the interest rates if you don't pay your balance on time, and they don't give much leeway. Set up a direct debit or pay your account online to avoid any extra fees.
Almost no fee credit card
No issue using the card as it’s accepted where ever mastercards are accepted.
Card started off as 100% fee free then changed not too long ago. Fees are charged if payment is made via BPay. Option to direct debit sometimes unavailable online. So to avoid fees you need to opt for the direct debit option.
Security Nightmare 2
I too experienced a similar nightmare with the Lattitude two step security system using security codes to personal mobile phones. Even though I rang 28Degrees/Lattitude before leaving Australia and gave them my European mobile number while on holidays, and the dates away, they still sent the security code to my Australian number and I had no way of contacting them. At no stage was I told they would not accept non-Australian mobile number. But their unhelpful, bordering on arrogant, disregard for the issue suggests they are keen to discourage the use of the card overseas or the problem is beyond their corporate expertise or will.
Good and bad...
No annual fee
No international exchange fees.
Generally on par with regular exchange rates.
Fees and high interest are how they make their money.
You can't pay your account with Bpay without incurring a 95c fee.
You can only make ONE direct debit payment EVERY FIVE DAYS.
Interest fee is horrendously high.
I signed up for the card because I do a lot of online shopping and I was sick of my regular bank double-dipping on exchange fees when the charge was made in Australian dollars but originated from an OS business (lik...e Amazon, etc). I do not pay off my card at the end of the month, I pay as I go and make multiple payments so I can see my outs/ins clearly and know what is still needing to be paid. 28Degrees makes this nigh impossible. The anti-fraud calls are also a huge time waster. Yes, I appreciate the security, but considering I was thinking about taking this card with me OS, now I am worried it won't work. I will probably end up cancelling this card in the not too distant future as it does not work for the way I do banking.
Good but not perfect
No annual fee
No international foreign transection fee
Cutomer service is ok
Free int. wifi is only through available hotspot which is not practically mostly so it is a lure.
No mobile app for banking
Only one free monthly bill payment allowed.If you pay more than once it will cost you fee.
Used to be good
We have had a 28 Degrees Card for many years - since back in the good old days when there was no fees for cash withdrawals or purchases overseas. There are lots of cards that now offer no fees on international purchases and this card has become very difficult to use. Every single overseas online purchase I have made this year has been flagged as fraud and I've had to spend ages of the phone each time. I don't mind them being cautious, but these were for things accommodation overseas with a worldwide hotel chain. My last two overseas trips t...he card was hit and miss as to whether it would work or not. The first time we were in Korea we had no problem with the card at all, but the last trip it worked less than 50% of the time. Just recently travelled to India, Sri Lanka and Maldives and it would not work in Sri Lanka at all. It's become so difficult we will be closing our account.
Usable but unreliable, limited Internet banking.
I have been using it for traveling for more than 7-years. I always needed to carry another card with me or some amount of cash because it fails every now and then at least once a week either during an EFTPOS payment or an ATM withdrawal. Once you deposited money to your account it is hard to transfer them to another account so bank transfer is impossible via their internet banking. You can only do it via phone (up to 2,000 as far as I remember) or send them a fax (which they surely loose) for higher amounts. They gradually introduce new fees.
Research other options if travelling to south america
Both my partner and I had one each for a recent 2 month trip to argentina and colombia. My partner's first got his card 10 years ago for a previous trip to south america. Back then it was possible to get a credit limit of $2000. After noticing on his statement the 0.95 cent charges introduced for Bpay payments over the last year, I contacted them and complained as we were not advised of this new charge. The fees were refunded..
I got my card just before the trip and I was given a limit of $10,000 - crazy. I reduced the limit. My partners ...card was chewed up by the ATM in argentina at the start of our trip. After several calls to customer service the emergency card never arrived to a hotel address in bogota,colombia and after following up again was apparently sent to our home in perth. Really useful. Cash withdrawals in both colombia and argentina are both limited to about $250 per withdrawal / per day by the local banks and being charged on average $5 to $8 per withdrawal over 2 months this has really added up. Yes there is no fee for credit card transactions however cash in king in both these countries for taxis, long distance buses, souvenirs, markets, tours etc Also a lot of places (supermarkets, clothing stores, fast food joints, restaurants etc) also require you to show ID (passport) when paying with credit card which is really annoying so again paying in cash is just easier. In buenos aires we found a lot of places didn't accept master card only visa and some only visa DEBIT not credit. The card did not work in a lot of the atm's in buenos aires. It did not work in the network of LINK atms most common in buenos aires. It worked fine in most atm's in colombia. Was useful for hotel bookings online. My recommendation if going to south america, take american dollars and exchange to local currency. Ensure you have both VISA and master card credit cards as a back up.
Sneaky 'Billed finance charges'
Even though my card has been completely payed off some time ago, I am still getting charged $5-$10 for BILLED FINANCE CHARGES each month. Despite claiming an interest free period, 20.99% interest is immediately charged on any cash withdrawals from ATM's (cash advance) - but I haven't withdrawn any money since July??
It's very sneaky and misleading!
Note - The card worked well while we we're overseas and we had no issues using it at all. Now we no longer need it and we are being charged these fees, I will cancel the account.
On a 5 week holiday to Europe our newly acquired 28 Degrees card performed well - we paid the balance and in fact pre-loaded it with cash before leaving.
28 Degrees would not give us a reasonable limit (saying our income was not high enough we are self funded superannuants) with the limit assessment based purely on income. We have another credit card with a limit 4 times what 28 degrees allowed..........Go figure
Questions & Answers
Can Latitude 28° Cards be used for Travel / Holiday Trips within Australia?
I have used it in Australia the same as my ANZ card paying at the supermarket even. Just pay account on time so no fees. Friend recommended it to me as best for overseas, in his opinion and he travelled extensively pre covid.
if the monthly repayment due date of 28-degrees card is on Weekend or on holiday, will it be extended to the next business day automatically?
if the monthly repayment due date is on Sunday or holiday, will it be extended to the next business day automatically?
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