Latitude 28° Global Platinum Mastercard

By far, the best and only travel card you need (in fact, I would have two just in case you lose one and have to use an inferior card)! There are no fees when using international. None. All you pay is interest on purchases, which is admittedly high but as long as you stay on top of your balance, it’s not an issue. Or even better, get yourself in debit (that is pre-load with your own cash) and then you’re not even paying interest on purchases or withdrawals. It doesn’t get better!

Have been using this 6 months and have found no faults yet. The 28 Degrees is an online credit card. They provide excellent information, details of purchases, payment and answer emails and phone calls promptly. This is a brilliant card to take overseas. There are no international usage charges, no currency charges or other hidden charges. The only charges, if you pay on time, are those charged by banks if you use their ATM.

Have been using this card for quite a number of years and have always found it to be very easy to use and never had any problems. Being able to pay for international purchases without a fee being charged for conversion from Australian currency to a foreign currency makes this card very worthwhile.

Very easy multi-currency credit card to use. Exchange rates are as close to market rates as possible with a retail credit card! Setup is conducted entirely online and is easy to manage. Only downside is the customer service is not open 24 hours, which makes it difficult to resolve issues in different countries.

I originally signed up for this card as I was doing a lot of travelling. It doesn’t charge to change currencies (which is great for travel and online purchases). No account fees, interest is only charged if you don’t pay off the card each month rather than as soon as you make a purchase. No frills, easy to use card.

Rates and charges are the killer, but the card is not so bad because the charges are everyday and keeps on adding interest. Rewards are not too bad. Customer service is not great, but fairly good. It’s there when you need it.

If you’re planning an overseas holiday with your family, the 28 degrees MasterCard will save you a small fortune compared to the big banks’ credit cards—actually even compared to every credit card available to the Aussie consumer. It is a front runner for value for money and ease of use.

As someone who has never been completely on top of my game in the credit card department, I take responsibility over being stung by the high rates post-introductory phase. However, this doesn’t excuse how incredibly high the subsequent interest rates were compared to other credit cards.

I initially chose this credit card before I moved overseas, as it didn’t have the high fees (such as international exchange fees) that many other cards do when using them overseas. I also chose this card because at the time, I could take money out as a cash advance from ATMs for very minimal fees—super helpful when living or travelling abroad. Whilst I benefitted from this for a few months, this changed whilst I was away and new fees were introduced, making it just a marginally better international card than other standard credit cards.

Now that I am home and the fees have added up over the past six months as I’ve been in a position where I haven’t been able to make regular repayments, I’ve recently made a balance transfer to a 0% interest card for 21 months whilst I try and catch up on my debt.

If you’re just hoping to use this card for it’s international benefits, then so be it, but, if not, there are plenty of other day-to-day cards with better rates and additional benefits.

I have never been turned away from making a purchase anywhere in Australia with this card. They called once to let me know that some strange activity was occurring. It was only a few cents worth, but they picked up on it.

Loved the zero percent interest on balance transfers, which initially made us make the decision to go with this card. I’m not loving the interest rate right now and am currently searching for a way to cut some costs. Paper statement fee of $2 is a wrought just like the other cards charging this fee. We should not be 'softly bullied’ by big companies to accept this charge when they make a profit off the consumer to begin with.

Not everyone wants to deal with a screen—some people like to actually speak to people face to face. I don’t enjoy making phone calls to them for help and then getting help from someone with a heavy accent. I like to be able to understand those I speak to, especially when it is not face to face.

Statements always arrive on time. I have been charged a $25 late fee for not making the minimum payment on time, which I think is incredibly rude and also a way to softly bully the consumers into the direct debit option or of course run the risk of forgetting.

All in all, there has not been any major issues with this card, but that will not stop me from looking to see if I can save a penny for a change as with all these extra charged on top of the actual bill for the services supposedly used, it adds up and will eventually make us use the product less and less.

I’m so glad to have this card. We travel to Asia quite a lot and this card gave us a great rate and didn’t charge much for the overseas transactions. There’s no annual fee to have the card. It’s very easy to manage and their customer service staff are friendly and helpful when I rang to increase or decrease my credit limit.

Overall, it’s a fantastic card to have.

I use this card overseas all the time when on holidays in the UK, France, Brazil, Peru and Vietnam. I also use it on the internet when buying from overseas sites.

There are no overseas fees at all in 6 years of use. It’s very convenient and I recommend it to all. Once, when the card was compromised, customer service took care of it and I received a replacement quickly.

I use this a lot when I have holiday in another country. I have a low limit of $10,000, which is enough if I have trouble anywhere. There are no frequent flyer points with this card, but no fees until now. Now they want to charge for making a payment. That is not good. The card itself is good though.

This card has been handy when travelling or for online purchases for the past eight or so years. The exchange rates have been about the best so far and without fees. For the very few times I’ve called their centre, the staff have been great.

The new 'fee for paying us’ concept won’t be liked by many.

This is honestly the best card on the market. There are no fees and there are no foreign currency fees to pay even when used overseas. I have used it in England and Africa, for example, and there were no exchange rate fees at all.

I have had this card for about ten years now and have never regretted having it as my main credit card. It is used extensively and will continue to be used.

This is a great card for travelling overseas. It has no exchange rate, conversion, withdrawal, or international fees. You can go to multiple countries with it and use it like you’re a local. I think it’s best used in developed countries where you have access to EFTPOS and ATMs rather than third world countries that do not have the same accessibility.

The application was quick and easy. I was given a limit of more than $10

You might be surprised to find when you make a purchase online from what appears to be an Australian site that your transaction takes place offshore. As a result, most credit cards will charge you a foreign transaction fee, even though you believed you were dealing with an Australian business. Not so with the 28 Degrees MasterCard. This card has no foreign transaction fees, so you can confidently shop online knowing you won’t be charged these fees. For the same reason, it’s also a great card to take on holidays with you. This is actually the original reason I got the card. It was really helpful on my USA trip!

I love my card as it does everything that I want it to do and then some. I have used it everywhere and I have had no problems with it. It has been widely accepted anywhere I have tried to use it. I have this card as it meets my needs at the moment.

This is a great credit card to use when travelling as it has no transaction or currency conversion fees when spending money overseas. I also like that there’s no annual fee—I refuse to use any card that charges an annual fee actually. The interest rate is fairly high, but I always pay on time anyway so this doesn’t affect me.

This is a good card for overseas travel. The foreign exchange rate is fantastic, but unfortunately it has a high interest rate. There’s great online banking, which is convenient. There is no complimentary insurance and the card does not come with an app. Only good to use overseas because of its foreign exchange rate.

This is a great card with no annual fee and no international transaction fees. It’s great to travel with or use when you shop online in other currencies. It also has the security of MasterCard. I highly recommend this card. The only drawback is that there are no reward points, but I still use it all the time.

I picked up this card a few years ago for overseas travel. Before then, I hadn’t even owned a credit card. The card gave me such peace of mind with hassle-free transactions all over the world and no constant worrying about exchange rates or fees. I thought when I arrived home I wouldn’t have the need for the card, but I use it all the time. It’s convenient with no hidden fees, and as someone who is quite sensible with their money, the long interest-free period each month gives me ample time to make sure I pay it off in full.

Love this card as it does not have extra charges for overseas transactions, which is great as there are no surprises when you get home. It’s easy to use and accepted anywhere. I’ve had no issues at all and would recommend it as a great travel partner. It has become my only card when travelling overseas and at home.

Helpful, and approved when i most needed it. That is why i will be forever grateful. Charges are reasonable, approval was not complicated and quick, the card was sent really fast and was much appreciated. Hopefully the same will be said if i apply for a credit increase.

A cash advance was also available, allowing me to shop at markets.

Got the card to purchase a fridge under finance, but no longer need it and would like to close this off. It’s been convenient, however, expensive to run and I now have a different card that gives me points when I make purchases.

I obtained the 28 Degree MasterCard because I do a lot of overseas travelling and purchases. A MasterCard appears to be a very favourable card for purchases and a lot of hotels etc accept credit card in favour of a debit card. I have experienced no problems with 28 Degree MasterCard and find the conditions of the card suit my expenditure.

I use this card whenever I purchase items in a foreign currency. I was tired of paying excessive fees on my other credit cards, and I didn’t want to shell out even more money for a travel card from other banks or Australia Post. With the 28 Degrees card I can purchase items over the internet and in other countries when I travel, safe in the knowledge that I will pay what I thought I would pay with no hidden fees.

Great card to use for overseas travel as there are no international card fees. However, there are no rewards available. Also, cash advances from ATMs cost money.

Much easier than using cash, accepted by most hotels and restaurants around the world.
Customer service has been good so far, with regular statements available online. Direct debit is also available from your bank account.

There are savings to be had if you are travelling across multiple countries and cannot be bothered changing multiple cash currencies.

This card is useful for overseas purchases (online and in-country).

There are some fees (e.g. when you add cash to your account not using their 'pay my account’ function). However, there are no account-keeping fees.

It’s very easy to use and has a clear online account layout and display. I would recommend this card.

This card offers lots of beneficial points, like no annual fee, long-term interest-free periods, international travel services, account security, low interest rates, no overseas fees on purchases, no currency conversion fees, no foreign transaction fees and the ability to withdraw cash overseas without fees.

It has worldwide emergency card replacement, a 24/7 helpline and a concierge service.

This is the best credit card i have ever had. It’s the only card i know of that you can take overseas to withdraw money that doesn’t charge conversion fees.

It has low fees and is the only credit card that i would ever own. The interest rates are OK, but it’s more about the convenience and bonuses.

I read reviews and applied for the card for a Japan trip. But later I found that the exchange rate conversion date was not the transaction date, but the date when the record was posted into their system, therefore not the expected rate.

There is also a payment handling fee of $0.95 charged to pay online, which i think is too much.

This card has no account-keeping fees, foreign currency conversion or transaction fees. The only extra charge is for withdrawing cash at an ATM

I have had the 28 Degrees Platinum MasterCard for about eight or nine years now. The charges are very fair and there is no annual fee. Not long ago I received an offer from them to upgrade to Platinum at no cost to me and gratefully accepted their offer.

I have used the card overseas in the UK and Africa and there are no foreign exchange rate charges at all. I don’t know of any other card that offers this advantage.

There is no rewards feature but who cares? I will never consider changing from the card that is simply the best!

After doing some research, I chose this card as the best option for use overseas while travelling, as (unlike most other cards) it has NO currency conversion fees.

The downside is that you can’t earn any frequent flyer/reward points, but I believe the advantages outweigh the disadvantages. Also, there’s no annual fee!

I have this card because there are no annual fees. It is a great card for overseas travellers as there are no extra transaction fees.

I always pay off my credit card on time so cannot comment on the interest rate. But it’s a perfect card for overseas travellers who pay their account on time.

A great card for travelling — no currency conversion fees. The exchange rates are pretty reasonable as well.

This card has no annual fee, which is great. The interest rate on this card is pretty terrible, however.

Customer service has usually been friendly and helpful. I would recommend this card to people thinking about going abroad.

This card is great for travel and buying goods online, as there are no extra costs associated with different currency transactions.

The security is amazing and so you feel reassured that you are protected. Their fraud squad are communicative and investigate and refund any costs that were not incurred by you. They also call you if they detect any activity that they think is concerning.

It’s a great card, but quite often have a problem understanding the dreadful English some of their operators speak. Sometimes there is an issue and they usually deal with it fairly well.

The card is quite convenient because everyone accepts it and if you use it wisely and pay full balance each month you can actually end up saving heaps of money.

I never usually use a credit card and signed up for this to use for overseas travel. If you 'pre-pay’ it with your own cash, you can effectively withdraw money and spend it without fees and currency conversion costs at overseas ATMs and stores/train stations/whatever. You’ll pay $1 to pay money onto it, and the interest rates are not flash if you actually use it for credit, but overall it’s a handy way to avoid the overseas transaction fees you’d pay on a normal bank card.

The 28 degrees Platinum MasterCard is a fantastic everyday credit card. There are no annual fees associated with this card and it is accepted everywhere.

The card has a stylish-looking design as well. The website allows for easy payment, with email reminders available to avoid paying late fees and interest. It’s a wonderful card that I have used for many many years.

I love this card. I can use it worldwide with no conversion fees for foreign currency transactions.

When I had an issue with a car hire deposit in the UK, the staff were very helpful in disputing the transaction and when I was finally refunded, they even made up the exchange rate difference for me so that I didn’t lose out. A great card for worldwide use.

The 28 Degrees card has been great for use with foreign purchases and currency, as the exchange rate is better than banks and other cards, while there are also minimal fees. I use it for all overseas purchases online, as well as taking it with me on international trips as my main source of credit.

The main benefits of the 28 Degrees card are that there are no yearly fees and no international transaction fees. It is great for travelling abroad and buying online from overseas.

Their customer service is good — very friendly and helpful.

It’s payWave enabled for ease of paying more quickly than before, especially compared to cash.

There are no rewards or loyalty program, but good exchange rates and no fees.

It’s easy to set up and there are no annual fees, even for supplementary cardholders. We have used this card in France, UK, Switzerland, Hong Kong, Singapore, Fiji, New Zealand and Australia, all without any issues at all. I definitely recommend it.

This is my first ever credit card. The application process was quick, simple and easy. I got accepted straight away for the credit card, but had to prove my income simply by uploading one of the accepted documents.

I plan on using this card overseas as there are many benefits to using it this way. I have yet to purchase anything with my card, but am much looking forward to it.

This card is no longer needed as there are better products for buying overseas. The fees are outrageous. The point of having this card is to make overseas purchases and not face foreign currency conversion fees, but the fees on the card if you don’t pay it off are exorbitant. It is better just to have a normal low rate card.

This is one of the best cards for overseas travel. There are no ATM fees