Latitude 28° Global Platinum Mastercard - Rewards Offer

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Terms and conditions apply

Purchase rate: 27.99% p.a.
Annual fee: $96 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

No international transaction or currency conversion fees on purchases when you travel or shop online with the Latitude 28° Global Platinum Mastercard.

The Latitude 28° Global Platinum Mastercard is great for travellers and shoppers looking to save with no international transaction or currency conversion fees on purchases. Shop and be rewarded with the Latitude Rewards Program to spend at a wide range of retailers. Shop with confidence with complimentary E-commerce and Purchase Protection Insurances.

You can benefit from up to 55 days interest-free on purchases and other perks such as a Flight Delay Pass. Global data roaming will help you save on travel costs.

Pros

0% international transaction or currency conversion fees on purchases
Shop and be rewarded with the Latitude Rewards Program
Complimentary E-commerce and Purchase Protection
Free global data roaming with Flexiroam
Complimentary Flight Delay Pass

Cons

Purchase interest rate of 27.99% p.a.
Charges a payment handling fee of $1.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude Service Centre or via direct debit.

Designed to help you save on credit card costs both overseas and at home, the Latitude 28° Global Platinum Mastercard offers no foreign transactions fees on purchases. You can also enjoy shopping benefits and up to 55 days interest-free on purchases.

Details

Product details

Product Name	Latitude 28° Global Platinum Mastercard - Rewards Offer
Purchase rate p.a.	Purchase rate p.a. 27.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	29.99%
Min credit limit	$1,000
Card type	Mastercard

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Latitude Rewards
Bonus points	N/A

Fees

Annual fee	Annual fee $96
Minimum monthly repayment	2.5% of the closing balance or $30, whichever is greater
Late payment fee	$45
Foreign currency conversion fee	Foreign currency conversion fee 0%
Cash advance fee	3.5% or $4, whichever is greater
Overseas cash advance fee	3% of transaction amount or $4 (whichever is greater)
Additional cardholder fee	$0

How to apply

You can apply for the Latitude 28° Global Platinum Mastercard online in under 10 minutes and should get a response within 60 seconds of submitting your completed application. Before you apply, make sure you've met the eligibility requirements and have the necessary documents on hand.

Eligibility criteria

Age. You must be at least 18 years of age to apply for the Latitude 28° Global Platinum Mastercard.
Residency status. Available to citizens and permanent residents of Australia, as well as temporary residents who legally have the right to work in Australia and intend to stay for at least 12 months.

Required documents

Proof of identification. A driver's licence, passport, Medicare card or proof of age card must be provided.
Financial details. You must submit details about your annual income, assets and liabilities, so have bank statements and payslips ready.
Employer information. You'll need to include your employer's details including address and contact number.
Contact details. You'll be asked to provide contact information such as your email address, residential address and contact number.
Mobile phone with a camera. You may be required to complete a facial ID check.

Go to Latitude Financial's site More info

Card benefits

Get $200 bonus Latitude Rewards. When you spend $2,000 or more on eligible transactions every statement period in your first 3 months of approval. T&Cs, card fee and other charges apply. New and approved customers only. Offer ends 31 December 2024.
0% international transaction or currency conversion fees on purchases. This card can save you money with no international transaction or currency conversion fees on purchases overseas or online.

Shop and be rewarded with the Latitude Rewards Program. Enjoy up to $120 worth of Latitude Rewards each year which you can redeem for e-gift cards from participating retailers when you spend $1,000 or more on eligible transactions in every statement period for 12 months.
Up to 55 days interest-free. This card offers up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.
Flight Delay Pass. If an airline announces a delay of more than two hours on your registered flight, you and up to four travel companions will receive a complimentary LoungeKey pass. Make sure your flight is registered for each leg, with multi-leg trips requiring separate registrations. The pass can be used whenever you travel, not just once or twice per year.
Great foreign exchange rates. You can get competitive exchange rates set by Mastercard.
Additional cardholder at no extra fee. Share all the features and benefits without needing to open a second account.
Shop with confidence with complimentary E-Commerce and Purchase Protection Insurances. Get cover for the damage or theft of purchases and from non-delivery or incomplete delivery of online purchases.
Mastercard benefits. As this is a Mastercard, it can be used at tens of millions of locations in Australia and abroad. Just look for the Mastercard logo at an ATM, over the counter or on the payment page of the merchant's website. You can also make contactless payments through PayPass and enjoy a range of credit back offers, discounts and deals from big brands at home and abroad, like Mastercard Priceless Specials, Booking.com, Expedia and Wotif. Exclusions and T&Cs apply.
Flexiroam global data roaming. This card offers complimentary global data roaming with Flexiroam, which offers access to telco networks in countries across the world. You can also get 3GB of free data each year, and 15% off any extra data purchased in over 150 countries. T&Cs apply.

Rates & fees

Monthly fee. The Latitude 28° Global Platinum Mastercard charges a monthly card fee of $8, which adds up to a total of $96 per year.
Purchase rate. The purchase interest rate is 27.99% p.a.

Cash advances. The usual cash advance fee is 3.5% of transaction amount or $4 (whichever is greater) and is charged when the card is used to withdraw money from an ATM or for any other cash-equivalent transactions. Interest on cash advances will apply at 29.99% p.a. charged from the date of the cash advance.
Foreign exchange rate. Any purchases in a foreign currency will be subject to the exchange rate calculated daily by Mastercard. Unfortunately, you can't lock in an exchange rate to take advantage of competitive rates.
International ATM withdrawal fees. You can withdraw cash overseas from your card, but keep in mind these transactions are treated as a cash advance which carries a fee of 3.5% of transaction amount or $4 (whichever is greater).

Go to Latitude Financial's site More info

We've answered the most frequently asked questions about the Latitude 28° Global Platinum Mastercard from our users. If you still have a question please leave a comment in the box below.

Frequently asked questions

You have four options when repaying your Latitude 28° Global Platinum Mastercard:
- Use the Latitude Service Centre to debit a payment from your bank account
- BPAY (which attracts a $1.95 fee)
- Australia Post (which comes with a $3.95 fee)
- Automatic monthly direct debit
If you no longer want to use your Latitude 28° Global Platinum Mastercard, you can cancel it by calling the customer service team on 1300 552 079 between 8:30am-8pm on weekdays and 9am-6pm on weekends. To make the process easier, ensure your entire balance is paid off prior to cancelling. If you want to cancel your card because it's lost or stolen, you can call customer solutions 24 hours a day, 365 days a year on 1800 005 809 (within Australia) or +61 287 478 178 if you're overseas.

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kylie

September 05, 2024

Hi, will the monthly fee be charged at $8 each month or in a bulk payment of $96 when you first get issued your card please

Sarah Megginson Finder

September 09, 2024

Hi Kylie, The fee will be issued and payable every month.

March 17, 2024

Those 55 days , are they counted from the new purchase dates ? Or from statment generating date ?

Sarah Megginson Finder

March 25, 2024

Hi Mo, The 55 days are calculated from the first day of your statement period. For instance, if your statement period is March 1 to April 25 and you make a purchase on March 1, you have 55 days interest free if you pay for the item in full on April 25.

If you purchase something on March 10, then you have 45 days until April 25 to repay the item in full to avoid paying interest.

This is why it’s described as “up to” interest free days, as the date you make the purchase impacts the interest-free period.

Your statement will show a full closing balance, and if you pay this amount by the due date, you’ll avoid paying interset.

Hope this helps!

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Michele

February 12, 2024

Can I use this card in South Korea. Travelling to Japan and South Korea next month

Sarah Megginson Finder

February 15, 2024

Hi Michele, As a 28° Global Platinum Mastercard® cardholder, you can use your card overseas where-ever Mastercards are accepted. You will also benefit from paying no international transaction or currency conversion fees on purchases made online or in-store overseas.

December 13, 2023

I am retired and a part pensioner. Will my application be considered?

Sarah Megginson Finder

December 14, 2023

Hi JM, We’re a review site and not directly affiliated with Latitude, so we’re not licenced to provide personal advice about your application chances of approval. To contact Latitude directly, you can click the green ‘go to site’ button to check eligibility or call 1300 363 269.

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Ashwin Kumar

November 27, 2023

Do I need to book my flight with latitude card to avail benefit of Flight Delay Pass?

Amy Bradney-George Finder

December 07, 2023

Hi Ashwin,

No you don’t need to book the flight with this credit card. You do need to register your card and the flight details through the Latitude website, and if the flight is delayed more than 2 hours details of the benefit options will be sent by email and SMS. I hope this helps.

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Latitude 28° Global Platinum Mastercard – Rewards Offer

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Can I load my card in credit to avoid being charged the cash advance interest rate?

What exchange rate will I receive when using this travel credit card overseas?

Does the pre-loaded AUD automatically convert to the currency of your current destination?

Can you use the Latitude 28° Global Platinum Mastercard in China?

How do I pay off my Latitude 28° Global Platinum Mastercard?

How can I cancel my Latitude 28° Global Platinum Mastercard?

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