Latitude 28 Degrees MasterCard

28 Degrees is a credit card product provided by Latitude Financial Services. Latitude Financial Services is also a provider of other credit cards, personal loans and car loans, personal insurance, and interest-free and promotional retail finance.
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If you’re considering a Latitude Financial card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

What is the 28 Degrees Mastercard?

28 Degrees Platinum MasterCardThe 28 Degrees credit card is a credit card designed for international travel and online shopping. It has no fees on overseas purchases, no currency conversion fee, and no foreign transaction fees. Even if you never leave the country, this card still offers benefits when making international purchases in your online shopping.

On top of all that, it has no annual fee.

This card won our CANSTAR 5-star rating for outstanding value travel credit cards in 2015 and 2016.

Source: 28 Degrees Platinum Mastercard

The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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About the 28 Degrees Platinum Mastercard

Features

  • Card type: Mastercard
  • Minimum credit limit: $6,000
  • Security: Card protected by Mastercard SecureCode for security verification of online shopping purchases, chip protection, anti-fraud protection, and The Falcon fraud detection system. Worldwide emergency credit card replacement for free.
  • International travel benefits: No overseas fees on purchases, no currency conversion fee, no foreign transaction fees (cash advance fees will apply at ATMs)
  • Concierge: 24/7 complimentary concierge service available to help book flights, accommodation, restaurants, travel tours, and more.
  • Contactless payments: Contactless payments are enabled via Mastercard PayPass for transactions under $100 without a PIN, and transactions above $100 with a PIN.

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CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

Latitude Financial FAQs

To apply for the 28 Degrees Mastercard product, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Good credit rating.
  • If self-employed, you will need your accountant’s phone number.

For more information on eligibility requirements, refer to the Latitude website.

First, check whether you are eligible to apply for a 28 Degrees Mastercard. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

You can expect to receive a response in less than 60 seconds (Latitude Financial Services). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 1300 764 454.

Your official card will take approximately 5-10 working days to arrive after your card is approved (Latitude Financial Services). When it arrives, you will have to activate the card through online banking before you are able to use that card.

You can manage your 28 Degrees MasterCard through online banking on the 28 Degrees website. Use online banking to do things like view your recent transaction history, view your balance, request a change in credit limit, and more.

When interest is charged

Interest is charged when you carry a balance on your 28 Degrees Mastercard. Interest is charged on cash advances (local and international) from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to 28 Degrees Mastercard purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a 28 Degrees Mastercard will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits that apply to this card. Find out more about how credit limits are determined here.

You can close your 28 Degrees Mastercard account at any time by contacting 28 Degrees:

  • Customer Solutions: Phone 1300 552 079 (within Australia) or +61 3 9445 0189 (from overseas) (open 7 days Mon-Sun)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Customer Solutions team to get help in making repayments.

If you are closing your 28 Degrees Mastercard because you’re not satisfied with it, consider your other options when it comes to credit cards:

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28 Degrees MasterCard is a credit card product provided by Latitude Financial Services, a financial institution in Australia and New Zealand that offers credit cards, personal loans and car loans, personal insurance, and interest-free and promotional retail finance.

Latitude Financial Services has more than 3.1 million customers and employs more than 4,600 employees.

SourceL 28 Degrees Platinum Mastercard

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28 Degrees Platinum MasterCard

CANSTAR Research
Rating:
Award: 3 Star Rating - Credit Card

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Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

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Written by: TJ Ryan | Last updated: