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Pros

  • No Annual Fee

  • No International Transaction Fees



  • No Currency Conversion Fees

Cons

  • Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)



  • Website and app experience seen as sub-par

Reviews

(768)
(231)
(100)
(73)
(291)
  • Rewards
    3.1 (130)
  • Online Experience
    4.4 (780)
  • Transparency
    4.5 (798)
  • Customer Service
    4.4 (814)
  • Rates and Fees
    4.5 (833)
  • Card / Account Used For
    • Overseas/Travel (848)
    • Online Shopping (354)
    • Everyday Expenses (172)
    • Special Purchases (168)
  • Application Process
    4.5 (703)


Gareth

GarethGreater Melbourne (Inner), VIC

This company has lost the plot!

published

Had been a 28 Degrees Mastercard customer for close to ten years. Found a illegitimate charge of $508 on my credit card due to possible skimming. Reported it to Latitude financial and was told it was too late to refund and they didn't contact the merchant. There are no benefits to having this card any longer since other cards like ING waive International fees anyway. There are no points system either and Customer Service is now all offshore. They only just created a mobile app by the way!

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2009
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
  • Overseas/Travel
  • Special Purchases
See all answers

Renata Souto

Renata SoutoSydney, NSW

I love it, it’s so simple and helpful!

published

I felt safer and free to buy everything that I needed, without worries about exchanging money, and also I added it in my apple wallet, so it was perfect and I do recommend!



Transparency
Customer Service
Rates and Fees
Online Experience
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

Works when I want it

published

Zero transaction fees and easy ATM access. I accumulated all my overseas expenses and then made a single repayment when I returned after my overseas trip was over. So easy.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2018
Card / Account Used For
  • Overseas/Travel
  • Special Purchases
See all answers
Raymond

RaymondSouth East Queensland, QLD

  • 27 reviews

Great customer service

published
Transparency
Customer Service
Rates and Fees

Poor problem solving

published

Generally good ...... until you need help to resolve a problem. Tried to organise a supplementary card for my daughter who is travelling at short notice. Nobody cares about the timeframe. Nobody cares.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
See all answers

Llwe

LlweMoe

  • 2 reviews

Very useful card

published

Have used my card on many overseas trips. I have never had a problem with it. If you pay it on time it is good value. Charging for a setup to pay online was a money grabbing exercise as it was much more convenient than the direct payment for no charge. The extra such as airport lounge access is good but some lounges are not worth the time of filling in all the info. Over all I am happy with the card.


Great Card, Shocking Call Centre Backup.

published
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateDecember 2016
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers

Occassional Traveller

Occassional TravellerGreater Melbourne (Outer), VIC

Great for using overseas

published

Very convenient. I have compared the AUD amount offered by the hotel with the amount converted from the local currency on my card and have found it is always lower

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card / Account Used For
  • Overseas/Travel
See all answers
Hung B

Hung BSydney, NSW

Good card but you cannot pay for the expenses within 5 days

published

I transferred some funds to pay for expenses. I tried to use the card for further purchases but could not due to insufficient fund. When I transferred additional funds to the card for future expenses the system did not let me to transfer funds because I have already done a fund transfer in the last 5 days. That is ridiculous

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2012
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
See all answers

Perfect for overseas transactions

published

I have found this card to be really a cost saver, with the no fees feature, you are saving with every transaction, and the touch pay function works also in most places. I travel constantly overseas, and its almost accepted everywhere, even Singapore taxi . I have lost count of how much it has saved over the many years I have used it. Only thing is you need to pay it off within in the free interest time, otherwise the interest costs quickly will remove the exchange rate savings.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers

liz mac

liz macGreater Melbourne (Metropolitan), VIC

Great card for travelling overseas

published

Easy to use overseas as well as in Aust, the card is the first thing I pack when travelling. I have told a lot of my friends about what a wonderful card it is

Transparency
Customer Service
Rates and Fees
Online Experience
Card Start DateApril 2018
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Overseas/Travel
See all answers

Dave

Dave

  • 2 reviews

A fantastic card!

published

My wife and I both have 28 Degree Mastercards and use them when he travel overseas, which is regularly. We also use them for overseas bookings and purchases from Australia as the exchange rate is always better than any other method and there are no fees. They are invaluable!

Transparency
Customer Service
Rates and Fees
Online Experience
Card Start DateJune 2015
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers

Kevin S.

Kevin S.Greater Melbourne (Inner), VIC

Excellent credit card for travel

published

No transaction fees and excellent exchange rate overseas, making this my go-to card to use while travelling. It's also pretty decent for withdrawing cash, albeit there is 4% cash advance fee.

Make sure to pay in local currency if you are asked whether to pay in AUD or local currency.

The app is excellent and easy to use.

The only downside is that I'm not aware of any points at all.

Transparency
Customer Service
Rates and Fees

SAILESH S.

SAILESH S.Greater Melbourne (Outer), VIC

Really great service

published

Well they are transparent and straightforward when they say the do it, really happy with the service. Submitted the documents they clarified what they need and they verified and approved

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2020
Card / Account Used For
  • Special Purchases
See all answers
Roderick Tiernan

Roderick TiernanGreater Melbourne (Metropolitan), VIC

Excellent Exchange Rates and no fees on Latitude 28 degrees!

published
Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers
Happy

HappySpence 2615, ACT

  • 2 reviews

Terrific card for travellers

published

Our Latitude 28 Degrees Mastercard has been perfect for all of our travels overseas. It is easy to use, anywhere, and avoids transaction fees and exchange rate rip offs. The online payment facility is easy to follow and use. A very convenient card.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateOctober 2010
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers

Willi

WilliWide Bay-Burnett, QLD

Good for travelling overseas.

published

I haven't been overseas for over a year, but the convenience of the card and absence of transaction fees on all our previous trips, made it attractive. I use it exclusively on such trips.

Transparency
Customer Service
Rates and Fees
Online Experience
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

Robyn Clarke

Robyn ClarkeCentral Highlands and Goldfields, VIC

  • 3 reviews

a perfect card when travelling overseas

published

always use my 28 degreees card when making purchases overseas or travelling overseas. no exchange rate. best card for overseas purchases. Found the card accepted anywhere we went overseas. 28 degrees also kept in touch with me when overseas via email if they thought a charge may not have been mine.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateMarch 2015
Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
See all answers

Orb

OrbSydney, NSW

Effortless and trouble free.

published

Not used overseas in the past month, but previous experience earlier in the year was excellent and trouble free in four totally diverse countries -USA, Germany, Portugal and China where the card was accepted without question and the rates of exchange were very attractive

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

It is an excellent credit card. No fee.

published

I am only use the card for overseas transactions. $0.0 transiction fee.
Iam with 28degree MasterCard for at least 10 year I will recommended the card to any one buying from Oversees

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers

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Questions & Answers

Anne M Garfath

Anne M Garfathasked

I used my 28 degrees card at a ATM machine in bali and the machine took it and I couldn't get it back can I have a replacement card,

No answers

Triky

Trikyasked

hi,
Where (online) can I see the current AUD:USD conversion rate so I know how good it is compared to simply going to a currency converter and changed AUD to USD.
Thanks

1 answer
Rob R.
Rob R.

www.xe.com


Helena

Helenaasked

Just wondering how suitable this card is for use within Australia? I noticed that there are recommendations for using it for online international transactions but what about for AU sites? And just shopping in general? Thanks :)

No answers

Get an answer from our members and Latitude Financial representatives

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