On the surface, the 28 Degrees card is a standard credit card. 55 days interest free, an interest rate of 21.99%, no annual fee and a so-so balance transfer rate of 4.99% for 6 months. But beneath the surface is the best travel credit card in Australia...
No overseas transaction fees means you can buy online or in stores overseas and not be hit with the currency conversion fees standard to most other credit cards or bank accounts - fees which can add up to big amounts over the course of a fancy holiday.
One of the greatest strengths of the card is that the 28 Degrees MasterCard has one of the best exchange rates you'll get on any Australian credit card, with no currency conversion fees. That means any purchase or cash withdrawal will be as close to the 'spot rate' as you can get. Awesome.
NB This card replaced the Wizard Clear Advantage Credit Card, but has not changed a great deal apart from the facelift.
Who it's good for:
If you travel or buy from international stores online, this is the card for you.
While this card is great for overseas travel just remember this is a credit card so if you get carried away, you'll find yourself using 28 Degrees money, not yours. If this happens you'll be charged an interest rate of 21.99% on your dollars, euros, pounds, yuan, yen whatever.