This is just simple and no fee credit card and not really service from them. I don't like their webpage, internet banking and payment method. I have no problems in using it.

Good.

I was quite disappointed that I could not increase my credit limit before my travel even though I have never been late. So I had to get another card as well to use whilst in Europe.

Was always happy with the card, until shoppers protection fees increased and now there is a "transaction handling" charge to EFT balance payments. You are charged for paying your account on time, it's absurd.

I had no issues using my 28 Degrees card over seas. Note, however, that the rate is still way too high for my likely as such I only use the card when absolutely needed.

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.

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...

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.

It is an OK card. I have never been charged for making a payment before but hopefully the fee free overseas use will pay off in the long run. My current card has exorbitant fees for overseas use.

Fabulous to use overseas but the App and way to view is very user unfriendly and I can't work out how to print a statement. Can there please be an easy way to access statements and transactions

The good part about this card is that it doesn't have foreign transaction fees. The bad part is that if you want to make a payment through BPay you have to pay a fee.

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.

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.

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:
No annual fee
No international exchange fees.
Generally on par with regular exchange rates.
Bad:
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...

Pros

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.

Cons
No mobile app for banking
Only one free monthly bill payment allowed.If you pay more than once it will cost you fee.

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...

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.

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 ...

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