28 Degrees credit cards

28 Degrees
28 Degrees's overall rating for credit cards

(as rated by the Mozo community)

7.6 / 10

based on 389 reviews

28 Degrees is an international travel credit card provided by GE Money, which is a leading consumer finance company in Australia and New Zealand, offering a range of services including personal loans, credit cards and insurance.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do 28 Degrees offer?

Here’s a quick look at the different kinds of Credit Cards that you can choose from:

Low fee credit cards Low fee credit cards

Are you looking for a low fee credit card? Then consider getting the 28 Degrees Platinum Mastercard, which comes at $0 annual fee plus 55 interest free days. 

Product Purchase rate Balance transfer rate Annual fees Interest free days  

21.99% p.a.

4.99% p.a. for 6 months and then 21.99% p.a.

$0

55

Go to site

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Prestige cards Prestige cards

The 28 Degrees Platinum Mastercard is one of Australia’s best travel credit cards. It has no annual fee and comes with no currency conversion fees as well as no international transaction fees on purchases which is why it was awarded a Mozo Experts Choice Award for Best Overseas Transaction Credit Card. All cardholders get access to a complimentary concierge service which is available 24/7 worldwide, making it the perfect card to take with you shopping here at home and abroad.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

21.99% p.a.

4.99% p.a. for 6 months and then 21.99% p.a.

$0

Go to site

Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about 28 Degrees credit cards

Q1. How can I access the 28 Degrees Internet banking service?

You can manage your 28 Degrees Platinum Mastercard account online by simply registering for the  Internet banking service on their website. The Online Service Centre lets you view your transactions instantly, access your statements and update your details anytime.   

Q2. Can I use a 28 Degrees Platinum Mastercard outside Australia?

Yes, of course. It has no currency conversion fees as well as no international transaction fees on purchases so it is the perfect card to take with you overseas. What’s more, it also gives you access to a complimentary worldwide concierge service, which is available any time of the day to help plan your holidays, book restaurants, tours and more.

Q3. How do I make 28 Degrees Platinum Mastercard repayments?

You can choose from a number of different ways to make 28 Degrees Platinum Mastercard repayments such as direct debit, BPAY or online banking. In case you’re not comfortable with Internet or phone banking, you can also take your statement and pay at any Post Office.

Q4. Can I get an additional card for my 28 Degrees Platinum Mastercard account?

Yes, you can apply for an additional card for your 28 Degrees Platinum Mastercard account by completing a simple online application form. The additional cardholder may also need to provide certain documents such as proof of identity and address.

Q5. Will I be eligible for an interest free period with the 28 Degrees Platinum Mastercard?

The 28 Degrees Platinum Mastercard offers up to 55 days interest free on qualifying purchases. However, you’ll need to make sure you pay the full balance of the account both for the statement before the purchases were made, and for the statement on which the purchases are listed.

Q6. Can I withdraw cash from an ATM using a 28 Degrees Platinum Mastercard?

You can use the 28 Degrees Platinum Mastercard to withdraw money from any ATM but don’t forget, withdrawals from ATMs using credit cards are treated as Cash Advances so interest free days don’t apply, and need to pay an additional cash advance fee which is a percentage of the withdrawn amount.

Q7. Is the 28 Degrees Platinum Mastercard protected against fraud and ID theft?

Yes, the 28 Degrees Platinum Mastercard is protected by card security measures both when you shop and when you access your account. For example, if the Falcon fraud management system identifies any unusual activity on your credit card the security experts are notified immediately so that necessary action can be taken. Also, the in-built chip in your 28 Degrees Platinum Mastercard provides another layer of protection against fraud, reducing the chance of your personal details being copied in case your card is lost or stolen.

Q8. Can I use the ‘tap and go’ technology with a 28 Degrees Platinum Mastercard?

You can easily make contactless payments with a 28 Degrees Platinum Mastercard. This means that for making purchases under $100, you will not be required to swipe, sign or enter your PIN. All you need to do is hold your credit card to the reader for a quick and hassle-free transaction.


How are 28 Degrees credit cards rated?

Want to know more as to what real customers think about the 28 Degrees Platinum Mastercard? Check out our customer reviews to see how the Mozo community has rated the 28 Degrees Mastercard on features like price, convenience and customer service.

28 Degrees credit cards

Overall 7.6

Price

Features

Customer service

Convenience

Trust

386 Reviews

Recent 28 Degrees credit card reviews Recent 28 Degrees credit card reviews

28 Degrees

28 Degrees Platinum Mastercard credit card review

Overall rating   9 / 10

Very good service

There is no conversion on oversees transactions.

Full review

There is no conversion on oversees transactions.

    Price   8 / 10

Less

Kevin, Queensland, reviewed over 1 year ago

28 Degrees

28 Degrees Platinum Mastercard credit card review

Overall rating   9 / 10

I am happy with Commonwealth bank

I am very in press end

Full review

I am very in press end

    Price   6 / 10

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Susan, Queensland, reviewed over 1 year ago

28 Degrees

28 Degrees credit card review

Overall rating   5 / 10

Good for travel, but that's about it

This card was good for travel as they didn't charge any transaction fees, however this has now changed so I've switched cards. Customer service was good, they let me know as soon as there were fraudulent transactions and hopped on the problem...

Full review

This card was good for travel as they didn't charge any transaction fees, however this has now changed so I've switched cards. Customer service was good, they let me know as soon as there were fraudulent transactions and hopped on the problem quickly.

    Price   3 / 10

    Features   0 / 10

    Customer service   3 / 10

    Convenience   5 / 10

    Trust   0 / 10

Less

Hannah, Queensland, reviewed over 2 years ago

28 Degrees

28 Degrees Platinum Mastercard credit card review

Overall rating   8 / 10

An awesome card for travelllers

28 degrees Platinum MasterCard is awesome for travel. It has no annual fee, no currency exchange fees and no international conversion fees. As long as you're someone who pays off your credit card after your trip, this is a great option. It...

Full review

28 degrees Platinum MasterCard is awesome for travel. It has no annual fee, no currency exchange fees and no international conversion fees. As long as you're someone who pays off your credit card after your trip, this is a great option. It doesn't have the bells and whistles of a rewards program but I'd prefer to save the money on fees.

    Price   9 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Vicky, New South Wales, reviewed over 2 years ago

28 Degrees

28 Degrees credit card review

Overall rating   7 / 10

Very good service and convenience.

Love the convenience of the card and customer service have always been very helpful. I feel the online banking to be a little difficult to navigate and when printing statements at home, especially if I want to print up to date instead of a...

Full review

Love the convenience of the card and customer service have always been very helpful. I feel the online banking to be a little difficult to navigate and when printing statements at home, especially if I want to print up to date instead of a previous or last statement a bit troublesome.

    Price   8 / 10

    Features   4 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   6 / 10

Less

Roy, New South Wales, reviewed over 2 years ago

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What do you need to apply for a 28 Degrees credit card? What do you need to apply for a 28 Degrees credit card?

After carefully comparing all the different credit cards in the market, if you decide on the 28 Degrees Platinum Mastercard as the one that’s best suited to your needs, hit the ‘Go to site’ button on Mozo so you can fill an online application on the 28 Degrees website directly.    

To be eligible for the 28 Degrees Platinum Mastercard , you’ll need to be at least 18 years of age and a permanent resident of Australia.

While filling in the application, you’ll need to provide the following information:

  • Your email address
  • A drivers licence, passport or proof of age card
  • Details of your income, assets and liabilities
  • Your employer's address and contact number
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