28 Degrees Platinum Mastercard

21.99% p.a.

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

$0

28 Degrees Platinum Mastercard Review

Rates and fees information correct as at 23 July 2018.

Review published: 7 November 2011

What's hot:

  • Mozo Experts Choice Award Winner 2018

  • $0 annual fee

  • 0% currency conversion fee

What's not:

  • High interest rate of 21.99%

  • No rewards

Mozo snapshot:

The 28 Degrees Platinum Mastercard is a great choice for travellers, which is why it was awarded multiple 2018 Mozo Experts Choice awards, including for Best Value Platinum Travel Credit Card. With no annual fee, no international transaction fees and no currency conversion fees, the 28 Degrees Mastercard is a great addition to your wallet, so long as you pay off your balance in full each month.

Key features:

On the surface, the 28 Degrees Platinum Mastercard is a pretty standard credit card. It comes with no annual fee, 55 interest free days, an interest rate of 21.99%. But beneath the surface is one of the best travel credit cards in Australia…

One of the greatest strengths of the 28 Degrees Platinum Mastercard is that it has no currency conversion fees, which means you don’t pay extra on top of the foreign exchange rate. That’s a super handy feature that can save you a tonne of money over the span of a lengthy holiday.

Plus, with no overseas transaction fees to worry about, you can buy online at your favourite international retailers or in stores when you’re travelling internationally without paying extra on top of your purchases.

There are also a couple of premium perks for cardholders to enjoy at home, including a 24/7 concierge service and optional Shoppers Protection Insurance.

Who it's good for:

If you travel often or are a dedicated online shopper with favourite retailers from around the world, this card could be the travel-friendly option you’re after.

Any catches?

While this card is great for overseas travel just remember it’s still a credit card! That means if you don’t pay your entire balance off in full each month, you’ll wind up paying interest at the 21.99% purchase rate - which could seriously eat into your next holiday fund!

How are 28 Degrees credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.3

Based on 161
28 Degrees credit cards reviews

7.2 6.9 6.8 7.1 7.2

Read 28 Degrees credit card reviews by the Mozo community

Latest reviews of 28 Degrees Platinum Mastercard

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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Kevin (QLD), reviewed about 1 year 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 (NSW), reviewed over 2 years ago

28 Degrees

28 Degrees Platinum Mastercard credit card review

Overall rating   9 / 10

Great for travelling and online shopping

Great for travelling and online shopping

Full review

Great for travelling and online shopping

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Gavin (QLD), reviewed over 2 years ago

28 Degrees

28 Degrees Platinum Mastercard credit card review

Overall rating   8 / 10

Great value for overseas travel or purchases

Was the best credit card for overseas purchases or travel. Now they have added a 3% transaction charge on atm withdraws it has lost some quality.

Full review

Was the best credit card for overseas purchases or travel. Now they have added a 3% transaction charge on atm withdraws it has lost some quality.

    Price   7 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Shane (VIC), reviewed over 2 years ago

28 Degrees

28 Degrees Platinum Mastercard credit card review

Overall rating   8 / 10

Great for overseas use

I like 28 Degrees because there are no annual fees on the card and no conversion rate when using different currencies. I highly recommend people to use this card while travelling overseas because every machine that has a VISA logo accepts this...

Full review

I like 28 Degrees because there are no annual fees on the card and no conversion rate when using different currencies. I highly recommend people to use this card while travelling overseas because every machine that has a VISA logo accepts this card. They also have a competitive exchange rate. What I don't like is they offer no reward program like other major credit cards do.

    Price   10 / 10

    Features   2 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Machda (QLD), reviewed over 2 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 21.99% p.a.

  • none

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

  • no

  • 21.99% p.a.

  • 55

Fees

  • $0.00

  • none

  • none

  • none

  • $20.00

  • 3%, min $4

  • 0%

  • $0.00

  • $0.00

  • $0.00

Other financial bits

  • $30.00

  • 2.5

Features

  • 9

  • Shoppers Protection Insurance is an optional insurance cover for 1% of monthly closing balance (max $50 a month), including Price, Merchandise, Stolen Card and Balance Protection.

  • 24/7 Concierge Service

About 28 Degrees

28 degrees is an international travel card provided by Latitude Financial Services. The 28 Degrees travel card has no annual or international transaction fees and being a product of Latitude Financial Services, is secure and a smart way to travel.

**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.

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