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
Great because no fees. Used to have instant help via phone but the last time I rang I was put on a big hold and then they wanted my 16 digit number etc. so I hung up and used the chat line. I just wanted to know how to download transaction data so I could analyse my expenses. After identifying myself and giving my email and typing in my question I was told I was 1 in the Queue. Then I was told they were busy and then I was asked to state my email and to type in my question and they would get back to me sometime. ANYWAY they finally got back to me to say they DO NOT support download of transaction data.
Worst experience and going to close account
I was unable to get a refund for cancelled flights and the charge back process was appalling that I now have to direct matters to FOS. The handling of the process is in breach of MasterCard scheme regulation and will be reported for investigation.
Only the one Flaw
My wife and I have used this Mastercard for the past 15 years both within Australia and Overseas. Until last week, we have found this card brilliant - it was accepted everywhere we used it here in Australia and overseas and so long as it was paid off at the end of every month (via Direct Debit), you never paid interest. There is also no annual fee nor overseas transaction fees with the card which also makes it very attractive. The only downfall I have so far experienced with the card was with remotely located fuel stations in Australia where th...e only way to pay for your fuel is via a credit card. There were two Caltex Fuel stations that didn't accept it that I have so far found. They were at Gascoyne Junction and Yalgoo (both in Western Australia). Luckily I was with someone else who had a credit card that was accepted but if I was by myself, I could have been left totally stranded in the middle of nowhere - this would not have been a very comfortable experience.
Hassle of verification
Ive found it very difficult to proceed successful transactions because of the verification system. Places like Las Vegas won't allow a second trial of the same card if declined on first go. Even after notifying the bank of my travel destination, Im still unable to make convenient transactions first go.
- Verified customer
The best card I have encountered
great experience and acceptable anywhere but the ex former states of Russia e.g. Turkmenistan to Kazakhstan (all Stan countries) Print a receipt button or History transfer reference module could be useful and a faster transfer time would add a great plus to the card.
Too many declines!!!!!
It was terrible. I travel frequently (well, at least when COVID lets me) and I almost always have trouble where my card gets declined because it is "suspicious". So I am in a shop trying to pay and I can't. Some time later I have to respond to a text saying "no, it is valid". Meanwhile the card is locked and I can't do anything. This happens multiple times per trip. I have previously spoken to someone and said that I travel a lot and not everything I do is suspicious. This time, I had a lot of trouble getting through on the phone. I found someone to email and he kept pointing me at a website with COVID hardship. It's like he didn't even read what I wrote - nothing to do with COVID.
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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