28 Degrees Platinum Mastercard

21.99% p.a.

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

$0

n/a

28 Degrees Platinum Mastercard

21.99% p.a.

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

$0

n/a

Mozo Review   28 Degrees Platinum Mastercard Review

Last updated: 16 August 2018.

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. This 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!

Details

Rates and fees information correct as at 24 September 2018.

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

  • $30.00

  • 3%, min $4

  • 0%

  • $0.00

  • $0.00

  • $0.00

Features
  • $30.00

  • 2.5

  • 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.

Payment options

Apple Pay, Google Pay, Samsung Pay, Fitbit, Garmin

Rewards privileges

Concierge

Other benefits

24/7 Concierge Service

Customer Reviews

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

Overall customer rating
7.6/10
Price
7.6/10
Features
6.8/10
Customer service
7.0/10
Convenience
7.2/10
Trust
7.3/10

Latest reviews of 28 Degrees Platinum Mastercard

  • Overall
    9/10
    Very good service

    There is no conversion on oversees transactions.

    There is no conversion on oversees transactions.

    Price
    8/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Kevin | Queensland

    reviewed about 1 year ago

  • Overall
    9/10
    I am happy with Commonwealth bank

    I am very in press end

    I am very in press end

    Price
    6/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Susan | Queensland

    reviewed over 1 year ago

  • Overall
    8/10
    An awesome card for travelllers

    28 degrees Platinum MasterCard is awesome for travel. It has no annual fee, no currency exchange...

    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

    Vicky | New South Wales

    reviewed over 2 years ago

  • Overall
    9/10
    Great for travelling and online shopping

    Great for travelling and online shopping

    Great for travelling and online shopping

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Gavin | Queensland

    reviewed over 2 years ago

  • Overall
    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...

    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

    Shane | Victoria

    reviewed over 2 years ago

28 Degrees

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.

See 28 Degrees credit cards