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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

3.8

1,572 reviews
5
(844)
4
(245)
3
(108)
2
(75)
1
(300)
  • Transparency
    4.4 (885)
  • Customer Service
    4.4 (901)
  • Rates and Fees
    4.5 (922)
  • Rewards
    3.1 (138)
  • Online Experience
    4.4 (870)
  • Card / Account Used For
    • Overseas/Travel (941)
    • Online Shopping (381)
    • Everyday Expenses (183)
    • Special Purchases (179)
  • Application Process
    4.5 (774)
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Reviewer Photos & Videos

CherryB

CherryBSydney, NSW

Good for overseas travel

published

I mainly use the card to pay for accommodation and meals when overseas. It's very convenient, and great that there are no conversion fees. It's also useful for online purchases in foreign currency. Highly recommend it.

Rates and Fees
Online Experience
Card / Account Used For
  • Overseas/Travel
Boxhead

BoxheadSydney, NSW

Great & Easy to use.

published

We have used the card on 2 overseas trips (one to China/HongKong & the other to Dubai/Norway/Iceland) & had no problems at all. We are Happy about the "No Fees" on purchases.



Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
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Perfect for me

published

Latitude Mastercard has been a great card for me for over 10 years and numerous overseas trips. I love the fact that they don't add any "extras" to your purchases when using overseas.

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

MervSouth East Queensland, QLD

  • 2 reviews

Great when travelling or purchasing from overseas

published

Have never had any problems and we have been going overseas at least once a year. The fact that there is no overseas surcharge and the exchange rate is fair makes it an excellent card to use.

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

Terrible!!! Need help!!!

published

I have been unable to call for weeks you have been closed and now you have different staff telling me my account is fine and ITS NOT!!! My physical card declines and the card number declines online and over the phone. And when you're operater asked for my card number she said mine is different!!! The online account has my available credit as over $3000 and my app says it's $0. CLEARLY! There is an issue in your end please fix it.

Transparency
Customer Service
Online Experience

Great for Travel

published

I saved $97 in currency conversion fees in a 3 week holiday! A brilliant travel card, I won't travel without it and I won't bother taking wads of cash with me when I travel.

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

MarilynSydney, NSW

Great card

published

Have in the past used it overseas and found it was accepted everywhere.Felt that it was a secure way of using credit card for purchasing and the charges on the card are reasonable.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateSeptember 2016
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
See all answers
Anne Ryan

Anne RyanGreater Melbourne (Outer), VIC

  • 3 reviews

Great for overseas use as no international fees

published

Seamless use overseas the only negative is you get slugged 95cents transaction fee when you make a payment.That is the only downside to this card which I find very annoying

Transparency
Customer Service
Rates and Fees
Online Experience
Card Start DateNovember 2014
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers

Very happy customer

published

I used my card to purchase an overseas airfare from an online travel agent. After the agency went into liquidation, I thought I had lost the money. After contacting latitude and asking for assistance based on what my friends had told me I needed to do, I have to say I was extremely impressed with the outcome. The staff i spoke to were friendly compassionate and understanding and the companys response was fairly quick once the information requested by them was provided. My last dealing with 28degrees was a very different experience and I have to say I was happy to be customer and would recommend latitude based on this experience.

Transparency
Customer Service
Rates and Fees
Online Experience
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers
No Annual Fee Credit Cards

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Chris W

Chris WSydney, NSW

Awesome credit card

published

I was recommended the 28 Degrees credit card for travels. I have had it now for about 5 years. It has been invaluable for travel (no OS charges and a good/comparable rate). Also has the Shoppers INsurance, which I haven't used, but is there if I need it.
The new app is great and simple to use. Overall, a very positive experience.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2015
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers
Rudy

RudySydney, NSW

Perfect company when travelling overseas

published

I have been using this card for about 5 years already and I did not experience a single problem with all my transactions. I highly recommend this to overseas travellers to consider having this card in their wallet. Very safe to use. As long as you advise them of the inclusive dates of travel you could be sure and confident that this card will not spoil your holiday.

Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
Justine

JustineNorth Western Region, NSW

  • Verified customer

Best card I have ever used!

published

I applied for this card as I was traveling to the US. The procedure was efficient and easy. I used my 28 degrees card several times and I was thrilled to see how everything was nicely listed and the amount spent was in AUS $$ so the repayment was so easy to do.
Keeping track of my spending, my balance and not having to worry about extra fees and charges was great. I will use this card so much more now I know how good it is!

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers

I have used 28 degrees card for years now and really like it

published

I always use my 28 degrees card overseas it is excellent I would be lost without it as I travel a lot when i check the conversion rate it has always been accurate

QLD traveller

QLD travellerSouth East Queensland, QLD

Ease of using

published

I’ve used it overseas and I don’t have any problems in purchasing goods I bought. There are no questions or whatsoever when using it because it’s MasterCard. I also like the card because your don’t have to pay extra foreign fee like other credit card normally has.
Overall I wouldn’t use any other card when I’m overseas!

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2022
Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
See all answers
Adenia Felsinger

Adenia FelsingerGreater Melbourne (Outer), VIC

International travel? then dont leave home without this card

published

Used with ease no fuss in India, accepted in all stores..always request for a international swipe machine not the local one. Travelled worldwide & this is the best card We ve ever used.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2016
Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
See all answers
No Annual Fee Credit Cards

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Faye Taylor

Faye TaylorSouth East Queensland, QLD

  • 2 reviews

Excellent card for travelling and online purchases.

published

I have used the card while travelling in multiple overseas countries. I have had no issues as the 28 Degrees card has always been readily accepted for transactions. I also use the 28 Degrees card for online purchases even been contacted directly when making a first time transaction with a new company to ensure I have personally authorized the purchase.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2016
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers

Using overseas

published

Was very easy to use in canada and usa and the web site is excellent. We were away for over a month and used it many times and was always accepted

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2020
Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
See all answers
Shanrob

ShanrobSouth East Queensland, QLD

  • 2 reviews

Love this card for travelling overseas. It is accepted nearly everywhere and has no currency conversion charges.

published

I only use the card when I travel overseas. It's brilliant, accepted in most countries and does not attraction charges. DO NOT use the card on ATMs though, you will have charges.

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

AndrewCentral Highlands and Goldfields, VIC

Very convenient when traveling

published

Makes things easy, we use when traveling on family holidays through Europe and Asia, currently enjoying Japan. Online App allows you to track the purchases and make payments in an easy manner.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2016
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers
MACB

MACBGreater Melbourne (Outer), VIC

Great user friendly product

published

Used card in Iceland did not carry any cash and it was accepted everywhere. Used it in the UK and New Zealand without any problems and best of all no strange fees and charges.

Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Overseas/Travel
Page 2 of 79
See all Latitude 28 Degrees Global Platinum Mastercard reviews

Questions & Answers

Deborah Stinson

Deborah Stinsonasked

My husband and I have 28 degrees platinum mastercards, my husband and recently passed away and the mastercards have a credit balance of of over $1800 i was told 10/2/2020 that after sending death certificate and waiting 3 weekes a cheque would be issued, it is now 27/3/2020 and still no cheque ....where do I go from here.

No answers
Shell R.

Shell R.asked

Can u use this card for paying bills and other purchases not just overseas

No answers
Ravi teja

Ravi tejaasked

How long it takes to get the card after submitting proof of residence and proof of income? And if approved how long it takes get card to home?

No answers

Get an answer from our members and Latitude Financial representatives

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