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 21 September 2017.

Review published: 7 November 2011

What's hot:

  • Multiple Mozo Experts Choice Award Winner 2017

What's not:

  • High interest rate of 21.99%

  • No rewards

Mozo snapshot:

The ultimate travellers card and winner of a 2017 Mozo Experts Choice Award for Best Value Travel Credit Card and Best Value Platinum Travel Credit Card. Amazing exchange rate, no annual fee and up to 55 interest free days makes the 28 Degrees Mastercard 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 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.

Any catches?

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.

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 3 months 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 1 year 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 1 year 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 1 year 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 1 year 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.

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