28 graus forex taxas

Detalhes do cartão de crédito.

Economize em taxas sem sair do sofá.

Não há necessidade de viajar para se beneficiar!

Sorte uma pechincha on-line sem pagar mais do que o preço "

não há taxas no exterior sobre compras.

Cartão de platina sem excesso de bagagem.

Não há taxas de conversão de moeda.

Não há taxas no exterior sobre compras.

Sem taxas de transação no exterior.

Seu Próprio Assistente Pessoal 24/7.

Acesse seu serviço de atendimento gratuito 24/7 para ajudar com feriados, reservas de restaurantes, passeios e muito mais.

Recursos & amp; benefícios.

Taxas & amp; honorários.

$ 0.95 (on-line) Isso exclui os pagamentos efetuados através do Online Service Center.

opções de seguro.

Obtenha proteção nas compras de 28 graus Platinum Mastercard.

Proteção do comprador.

O seguro de proteção do comprador oferece a segurança de que você poderia atender aos reembolsos mensais de 28 graus Platinum Mastercard se sua renda parasse e você não conseguiu trabalhar devido a doença ou lesão, ou desemprego involuntário.

Nós também fornecemos cobertura contra perda ou dano para as coisas que você compra, mesmo contra determinadas reduções de preços. Aqui é como funciona esta parte da capa:

Proteção de preços significa nunca ter que perder as vendas novamente. Se você comprar algo com o seu 28 Degrees Platinum Mastercard e você verá o seu preço caído no mesmo revendedor a qualquer momento nos primeiros 6 meses após a sua compra, nós pagaremos a diferença de preço de volta ao seu cartão. Então, quanto mais você reivindicar, mais você pode economizar. A Proteção de Mercadorias cobre as coisas que você compra no seu cartão se for perdida, roubada ou danificada no prazo de 6 meses a partir da data de compra, pagaremos o custo de reparo ou substituição em sua conta. Proteção de cartão roubada: se o seu 28 Degrees Platinum Mastercard for roubado, pagaremos US $ 200 em sua conta - apenas por causa do inconveniente. Cobertura de reembolso: paga 10% do seu saldo de fechamento mensal enquanto você está fora do trabalho, por até um máximo de 3 anos, se você não puder trabalhar devido a doença ou lesão e por até um ano se estiver desempregado. Capa de vida: se você morrer, pagaremos o saldo na íntegra - até US $ 20.000.

Proteção acessível.

Você pode desfrutar da paz de espírito da Proteção de Preços e mais por apenas 0,5% do seu saldo de fechamento mensal, até um máximo de US $ 50 por mês - então você nunca pagará mais do que isso.

É automaticamente debitado na sua conta do cartão, então não há contas escondidas ou extra para pagar e você verá o prémio em sua declaração.

Solicite a proteção do comprador.

Você pode solicitar a proteção da Shopper quando você inscrever seu 28 graus Platinum Mastercard on-line, ou pode nos ligar no 1300 078 519 e pedir que o seguro de proteção da Shopper seja adicionado à sua conta.

Para ver se a Proteção do Cliente é ideal para você, leia o FSG Combinado, o PDS e a Política.

Seguro de viagemOcultar.

28 Degrees Platinum Mastercard leva a preocupação de viajar para você. Com o nosso parceiro de seguro de viagens de cinco estrelas premiado, a obtenção de seguro nunca foi tão simples e também é ótimo valor para o dinheiro.

Ao viajar para o exterior, temos a cobertura do seguro de viagem para atender às suas necessidades. Nós cobrimos suas despesas médicas e odontológicas no exterior, bagagem roubada ou perdida, atrasos de viagem e muito mais.

Além disso, com nossa linha de atendimento de emergência de 24 horas em todo o mundo, a ajuda é apenas uma ligação telefônica de distância se você tiver dificuldades em sua viagem.

Seguro de viagem da Cruz do Sul.

Nosso parceiro de seguro de viagem, o Southern Cross Travel Insurance, ganhou o prêmio Canstar por valor excepcional para o International Travel Insurance a cada ano desde 2009. Eles também ganharam o prêmio Mozo Experts Choice de 2014 e 2015 juntamente com o prêmio Mozo People's Choice para 2015 .

Faça uma reclamação.

Descubra como fazer uma reivindicação, incluindo nos nossos formulários de reivindicação on-line.

Concierge gratuito.

O 28 Degrees Platinum Mastercard oferece um serviço de portaria gratuito para todos os titulares de cartões disponíveis 24/7 no mundo todo.

Com o que pode consertar ajuda?

Apenas sobre tudo o que você precisa pesquisou ou organizou *. Desde a reserva de bilhetes para concertos até pesquisar hotéis disponíveis ou fazer reservas no jantar, nossa equipe de atendimento irá personalizar seu serviço para atender às suas necessidades.

Basta ligar para a linha de soluções de clientes de 28 Degrees Platinum em 1300 552 079 e pedir "concierge". Então, diga-lhes o que você está procurando. Eles irão realizar uma pesquisa, fornecer opções e custos e, se você quiser continuar, fará providências em seu nome. É assim tão fácil!

* Sujeito às condições de uso de 28 graus Platinum Mastercard.

Use o seu 28 Degrees Platinum Mastercard com confiança.

No 28 Degrees Platinum Mastercard, estamos empenhados em manter nossos clientes seguros e seguros, utilizando algumas das melhores pessoas, processos e tecnologia disponíveis.

Protegendo seu cliente.

Estamos empenhados em manter nossos clientes seguros e seguros, utilizando algumas das melhores pessoas, processos e tecnologia disponíveis. Aqui estão algumas das maneiras que ajudamos a manter você seguro e seguro:

Proteção completa contra fraude & amp; segurança - seu 28 graus Platinum Mastercard está protegido por medidas robustas de segurança do cartão - no próprio cartão, sempre que você compra e quando você acessa sua conta. Proteção contra microfones - O chip incorporado no seu 28 graus Platinum Mastercard oferece maior proteção contra fraudes, reduzindo a chance de seus dados pessoais serem copiados se seu cartão for perdido ou roubado. Gerenciamento de fraude - O sistema de gerenciamento de fraude Falcon & # 8482; 1 identifica atividade incomum em seu cartão de crédito. Assim que uma transação suspeita for detectada, nossos especialistas em segurança de cartões são alertados para que possam analisá-lo e tomar as medidas necessárias. Proteção contra roubo de identidade - Todos os aplicativos de clientes são selecionados para o potencial roubo de identidade. Tenha certeza, nós o alertaremos proativamente em qualquer instância relacionada ao risco. Equipe de Soluções de Fraude Especializado - No caso infeliz de uma transação fraudulenta em sua conta, nossa Equipe de Soluções de Fraudes trabalhará com você para resolver o assunto o mais rápido possível. Sistemas de contato de fraude imediatos - Se detecarmos uma possível transação fraudulenta em sua conta, nós confirmaremos a transação com você por SMS ou telefone, dando-lhe um nível adicional de segurança contra transações fraudulentas. Se você tiver alguma dúvida sobre atividades fraudulentas, entre em contato conosco no 1300 552 079. Se o seu cartão for perdido ou roubado, ligue-nos imediatamente em 1800 005 809 (24 horas por dia, 365 dias por ano). Se no exterior, contate-nos no +61 1800 005 809 ou ligue para o Serviço Global Mastercard no +1 636 722 7111. Mastercard & # 174; SecureCode & # 8482; - Mastercard SecureCode é uma camada adicional de segurança que verifica suas compras on-line em tempo real. Esta verificação ajuda a reduzir a fraude do cartão de crédito e o uso não autorizado do cartão de crédito.

Protegendo-se contra fraudes.

Aqui estão algumas dicas importantes que você pode seguir para ajudar a proteger-se da fraude das transações:

Sempre assine o seu cartão assim que você o receber e saiba onde seu cartão está sempre. Selecione um PIN que se lembra facilmente de você e nunca o anote Verifique regularmente suas declarações de conta para garantir que não haja transações não autorizadas presentes. Nunca use um terminal EFTPOS ou ATM se você acredita que foi adulterado. Certifique-se de que seus detalhes de contato permanecem atualizados conosco Se o cartão expirar ou não deseja mantê-lo, corte o painel de assinatura e a tira magnética antes de descartar. Mantenha sempre o seu cartão em sua posse / visão.

Segurança no estrangeiroOcultar.

Se você está planejando ir para o exterior com o seu 28 Degrees Platinum Mastercard, é sempre uma boa idéia ligar e nos informar quando e onde você está viajando. Isso nos permitirá atualizar nossos sistemas e ajudar a evitar o bloqueio inadvertido de quaisquer transações legítimas que você faça durante a viagem.

Compras on-line com o código seguro do Mastercard.

Mastercard SecureCode - é uma nova medida de segurança que verifica suas compras em tempo real, sempre que você compra on-line. A verificação ajuda a reduzir a fraude de cartão de crédito e o uso de cartão de crédito não autorizado.

O Mastercard SecureCode adiciona uma camada extra de proteção, ajudando a confirmar sua identidade através de um código de segurança ou através de perguntas de segurança, durante transações on-line selecionadas. O Mastercard SecureCode permite que você desfrute de segurança extra e paz de espírito ao fazer compras on-line em comerciantes participantes.

Usando o Mastercard SecureCode.

O Mastercard SecureCode realiza uma avaliação de risco em tempo real nas transações realizadas nos varejistas online participantes. Na maioria dos casos, você não notará nenhuma alteração, no entanto, em algumas transações, podemos solicitar que você insira um código de segurança de seis caracteres, que será enviado imediatamente por SMS. Isso é para garantir que a transação que você está prestes a fazer é autorizada por você.

Protegido pelo Mastercard SecureCode.

Quando você inserir corretamente o código de segurança (ou responder as perguntas de segurança) durante uma compra online em um comerciante participante, você confirma que você é o titular autorizado do cartão e sua compra continua. Se as perguntas de segurança forem respondidas incorretamente, a compra não será realizada. Então, mesmo que alguém conhecesse o número do seu cartão, eles não poderiam usar sua conta nesse comerciante.

Impacto do Mastercard SecureCode nas suas compras.

Além da proteção adicional oferecida pela Mastercard SecureCode, o único impacto em sua compra será que você precisará inserir o código de segurança (ou responder às perguntas de segurança) quando a tela de autenticação aparecer e aguarde alguns segundos enquanto o seu cartão O emissor (GE Money) confirma sua identidade.

Compras em comerciantes que aceitam o Mastercard, mas não participam do serviço Mastercard SecureCode.

Você ainda pode fazer compras em comerciantes que aceitam o Mastercard, mas não participam do Mastercard SecureCode serice. Você não será solicitado a inserir um código de segurança (ou responder a perguntas de segurança) nesses comerciantes. Para completar sua compra, basta seguir o processo de checkout tradicional.

Tela de autenticação Mastercard SecureCode.

A tela de autenticação pode aparecer quando você está comprando on-line nos comerciantes participantes do Mastercard SecureCode. Uma vez que você tenha confirmado sua identidade digitando corretamente o código de segurança (ou respondendo as questões de segurança) que estão na página, você poderá continuar com sua compra.

Se você não receber um código de segurança.

Se você não receber um código de segurança, isso pode significar que o número de celular que está registrado na sua conta não está atualizado. Você ainda pode prosseguir com a sua transação, selecionando o botão "Não recebi um código", que irá direcioná-lo para as questões de segurança pessoais e sua conta. Depois de responder as perguntas de segurança corretamente, você poderá continuar com sua compra.

Atualize seu número de celular.

Para atualizar seu número de celular, visite o Centro de Serviço Online ou entre em contato com a equipe de Soluções do Cliente no 1300 552 079.

Para concluir uma transação, você deve confirmar sua identidade?

Se você não conseguir confirmar a sua identidade através do código de segurança que é enviado para o seu celular ou das questões de segurança, infelizmente você não poderá prosseguir com a sua compra neste momento.

Mantenha-se com o 28degreescard no instragram e no Facebook.

1 Para tirar proveito de até 55 dias de Juros Livre nas compras com cartão de crédito, você deve pagar o saldo total da conta (excluindo os planos promocionais sem juros não expirados), tanto para a demonstração antes das compras feitas, quanto para a declaração em que a as compras estão listadas.

Apenas candidatos aprovados. As condições se aplicam.

A Proteção do Cliente é emitida pela Hallmark General Insurance Company Ltd. ABN 82 008 477 647 AFSL 243478 e Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469. Qualquer conselho neste site não leva em conta seus objetivos pessoais, situação financeira ou necessidades. Você deve considerar a adequação do conselho tendo em conta seus objetivos, situação financeira e necessidades e ler a Declaração de Divulgação do Produto relevante (PDS) antes de decidir se deve comprar este produto.

28 Degrees Platinum Mastercard é uma facilidade de crédito fornecida pela Latitude Finance Austrália (ABN 42 008 583 588). Número de licença de crédito australiano 392145. Mastercard é uma marca comercial registrada e o design dos círculos é uma marca registrada da Mastercard International Incorporated.

O 28 Degrees Platinum Mastercard foi premiado com uma classificação de cinco estrelas CANSTAR 2017 por Valor excepcional para viajantes ocasionais.

28 graus Platinum Mastercard.

Nenhuma oferta introdutória de transferência de saldo. As taxas de juros sobre compras e adiantamentos de caixa estão no topo do mercado.

Avaliado por Yvonne Taylor.

Por fim, um cartão de crédito que entende a maneira como vivemos agora, como cidadãos globais em movimento pelo mundo, pessoalmente ou on-line. O 28 graus Mastercard está configurado para se tornar o cartão de escolha para viajantes, compradores on-line e qualquer pessoa com uma perspectiva internacional. Tem os cinco maiores que este usuário do cartão está procurando:

Não há taxas de transação internacionais nas compras Não há taxas de conversão em moeda estrangeira Sem taxa de retirada de ATM no exterior Sem taxa de consulta do saldo da conta ATM no exterior Nenhuma taxa para substituir um cartão perdido ou roubado no exterior.

E se você está procurando um "não" extra importante, está lá: sem taxa anual.

Vamos dar uma olhada detalhada sobre o que realmente significa algo disso.

Alguns cartões cobram taxas de transação / conversão em moeda estrangeira de 3,5%

Quando você faz uma compra em moeda estrangeira, seja viajando ou online, você já está à mercê de uma taxa de câmbio flutuante. Pode parecer que você está conseguindo uma barganha, mas muitas vezes você não saberá o quanto vai custar-lhe em dólares australianos até que a transação atinja sua conta.

Então, com a maioria dos cartões de crédito, há taxas adicionais que o banco cobra por transações em moeda estrangeira e conversão em dólares australianos, uma combinação da taxa de processamento do banco e uma taxa a pagar a Visa, AmEx ou Mastercard. Esta taxa combinada é tipicamente 3%, ou mais, do valor da compra, e pode chegar a 3,5%.

Portanto, o seu baralho no quarto de hotel de Nova York a USD125 por noite já pode custar AUD180, dependendo da taxa de câmbio. Adicione 3,5% a esse valor, e você está olhando USD186,30 antes mesmo de ter tomado café da manhã. Desagradável.

Se você fizer compras on-line regulares de fornecedores estrangeiros - e vamos enfrentá-lo, nós parecemos pagar preços muito altos por alguns bens de consumo na Austrália - então este cartão será uma dádiva de Deus. Os comerciantes de EBay que geram suas ações internacionalmente serão particularmente felizes com a capacidade de reduzir seus custos.

Use um Mastercard de 28 graus e evite essa taxa de 3,5% por completo.

Alguns cartões cobram uma taxa por retiradas de dinheiro de um caixas eletrônico no exterior.

Quando você está em casa, provavelmente você costuma usar o seu próprio caixa eletrônico do banco ou do emissor do cartão, para evitar as taxas de transação que vêm usando a máquina de outro banco. O problema é que, uma vez que você estiver no exterior, você não encontrará nenhum dos caixas eletrônicos do seu próprio banco. Então, se você precisar retirar dinheiro da sua conta de cartão de crédito, você pode ser picado por uma taxa de retirada de ATM no exterior, normalmente pelo menos US $ 4. Isto é, além de qualquer taxa de adiantamento em dinheiro a pagar (que para o 28 graus Mastercard é de 3%, em vez de mais do que a taxa de 2% que muitos bancos cobram).

Mas se você usar um 28 graus Mastercard, não haverá taxa de retirada de ATM no exterior.

Mas fique atento e mdash; uma retirada de ATM no exterior é um adiantamento em dinheiro.

Não há como se afastar do fato de que uma retirada do ATM no exterior do seu cartão de crédito é um adiantamento em dinheiro, assim como está na Austrália. Pode ser rápido, conveniente, aberto todas as horas e livre de qualquer requisito para falar uma língua estrangeira, mas ainda é um adiantamento em dinheiro. Você começará a pagar juros sobre isso imediatamente na taxa de adiantamento de dinheiro (21,99% aa para este cartão) e, se você não fizer nada sobre isso até seu retorno à Austrália, você terá acumulado alguns altos custos de juros para tire o brilho da sua viagem. É melhor encontrar outra maneira de acessar o dinheiro no exterior, como um cartão de dinheiro de viagem pré-pago.

Dica: você pode usar o seu 28 graus Mastercard para retirar dinheiro no exterior e pagar pouco ou nenhum interesse. Depois de fazer a retirada, use seu telefone celular ou outro dispositivo conectado à Internet para acessar sua conta de cartão de crédito on-line. Depois de ver o valor de adiantamento de dinheiro em AUD em sua conta (isso pode levar um ou dois dias), simplesmente transfira para a conta do seu cartão de crédito o valor equivalente da sua conta de economia ou transação no banco australiano. Desde que você não tenha saldo em atraso em sua conta de cartão de crédito, a transferência de dinheiro será aplicada imediatamente ao seu adiantamento em dinheiro e a taxa de juros será de alguns centavos no máximo.

Alguns cartões cobram uma taxa exorbitante pela substituição do cartão de emergência no exterior.

Perder seu cartão de crédito no exterior, ou ter roubado, é ruim o suficiente. Alguém está usando seu cartão fraudulentamente? Como você vai verificar o seu hotel, sem meios de pagamento? Mas se você tiver que adicionar a isso a dor dos US $ 100 cobrados por alguns emissores de cartão por um cartão de substituição de emergência no exterior, você pode começar a sentir que você foi feito duas vezes.

Os usuários do Mastercard de 28 graus podem evitar essa picada extra e continuar com a sua viagem, porque a substituição do cartão de emergência no exterior é gratuita.

Notificar o emissor do seu cartão se estiver indo para o exterior.

Enquanto estiver no assunto da substituição do cartão de emergência, é reconfortante saber que este cartão está protegido por um Sistema de Gerenciamento de Fraude Falcon e uma Equipa de Soluções de Fraude qualificada que contacta os titulares de cartões por telefone ou SMS imediatamente percebem quaisquer transações suspeitas.

Este é um nível reconfortante de segurança, mas alguns usuários do cartão relataram problemas com o uso do cartão no exterior, encontrando seu cartão inesperadamente bloqueado. Portanto, a recomendação do emissor do cartão de que os usuários avisam antes de embarcarem em uma viagem no exterior provavelmente é melhor interpretada como um requisito obrigatório.

O Mastercard SecureCode, um sistema de perguntas de segurança ou uma senha única enviada por SMS, também ajuda a protegê-lo de transações fraudulentas de compras on-line.

Uma vez que não será cobrada qualquer taxa anual por este cartão, é possível mantê-lo em modo de espera para viagens no exterior ou compras on-line, mesmo se você tiver outro cartão que você prefira usar quando se lida com varejistas australianos. Você também pode ter até nove cartões suplementares na conta, o que o torna perfeito para uma pequena empresa com funcionários confiáveis ​​que precisam viajar ou comprar internacionalmente.

Mais benefícios para o viajante.

Para sublinhar o fato de que este é um cartão projetado para viajantes internacionais, há vantagens mais incorporadas para as pessoas em movimento:

Visa Platinum global 24/7 concierge serviço: onde quer que você esteja no mundo, se você precisar de conselhos ou reservas para viagens, restaurantes, entretenimento ou passeios, o serviço de portador de Visa está lá para ajudar, apenas um telefonema, clique com o mouse ou toque na tela longe. Seguro de viagem internacional opcional: (Observe que esta não é cobertura de seguro complementar. Você terá que pagar.) A GE Money, o emissor do cartão, facilitou aos titulares obter uma cotação para um seguro de viagem competitivo no exterior. Uma política anual de viagem de várias viagens em todo o mundo, por exemplo, custará US $ 837 por um casal, US $ 429 por pessoa solteira.

(Existe também uma gama de seguro de "Garantia do comprador", que oferece proteção à compra, proteção de mercadoria, proteção de cartão roubada e reembolsos de contas em caso de desemprego, doença, invalidez ou morte, por uma taxa de 0,5% do saldo final de cada mês, até um pagamento máximo de US $ 50 por mês).

Sem pontos de recompensa, sem ofertas introdutórias, sem taxas de juros baixas.

Embora não haja nenhuma das taxas normais de transação no exterior, e nenhuma taxa anual, algumas das vantagens comumente associadas aos cartões de crédito também estão faltando.

Embora você obtenha até 55 dias em compras por mês (desde que você não tenha saldo em atraso em sua conta), não há períodos iniciais de juros zero em compras ou transferências de saldo.

Não há pontos de recompensa ou apólices de seguro gratuitas. As taxas de juros de compra e adiantamento em curso (ambos 21,99% p. a.) estão no topo do mercado. Se você está procurando taxas de juros baixas, este não é o cartão para você.

Perfil do usuário para o 28 Degrees Mastercard.

É bem claro, então, que este cartão é ideal para quem viaja no exterior regularmente ou faz compras on-line com freqüência com fornecedores cujos encargos são feitos em moeda estrangeira. Este mesmo usuário hipotético não está preocupado com as altas taxas de juros de compra e antecipação de caixa, planejando pagar sempre o saldo da conta na data de vencimento para se beneficiar de até 55 dias nas compras e nunca pagar taxas de juros. Uma vez que não existe uma taxa anual, é um acéfalo para esta pessoa manter sua carteira quando estiver no modo ultramarino.

90% dos revisores recomendariam este cartão.

Revisado e recomendado por Hugo em 01 de julho de 2016.

Eu uso este cartão no exterior todo o tempo quando em férias no Reino Unido, França, Brasil, Peru e Vietnã. Eu também uso isso na internet ao comprar de sites no exterior.

Não há taxas no exterior em 6 anos de uso. É muito conveniente e eu recomendo a todos. Uma vez, quando o cartão foi comprometido, o serviço ao cliente cuidou e recebi uma substituição rapidamente.

Revisado e recomendado por Hilary em 30 de agosto de 2016.

Incrível se você comprar online no exterior. A taxa de câmbio neste cartão é brilhante e útil para compras on-line e mdash; muito melhor do que os meus outros cartões, sem taxa de compra internacional também, o que é brilhante!

A taxa de juros é bastante padrão, então não há nada tão chocante lá, mas odeio ser cobrado para gastar dinheiro e este cartão não faz isso, ele só permite que você compre coisas em uma taxa realmente boa! Woot!

Revisado e recomendado por dominic schipano em 07 de julho de 2016.

Útil e aprovado quando eu mais precisava disso. É por isso que eu ficarei eternamente grato. Os custos são razoáveis, a aprovação não foi complicada e rápida, o cartão foi enviado muito rápido e foi muito apreciado. Espero que o mesmo seja dito se eu solicitar um aumento de crédito.

Um adiantamento em dinheiro também estava disponível, permitindo-me comprar nos mercados.

Revisado e recomendado por Andy em 14 de novembro de 2016.

Viajando constantemente e fazendo mochilas, esse foi o melhor cartão de crédito para mim que eu consegui encontrar, por taxas mínimas para transações e retiradas no exterior.

Eu nunca estive com problemas, mas a única vez que não consegui acessar minha conta online, o serviço ao cliente foi incrivelmente útil. A desvantagem é, é claro, sem recompensas adicionais ou acesso a lounges, mas é mais do que compensa isso na minha opinião.

Revisado e recomendado por Eric em 02 de julho de 2016.

Eu amo meu cartão, pois faz tudo o que eu quero e depois alguns. Eu usei isso em todos os lugares e não tive problemas com isso. Foi amplamente aceito em qualquer lugar que tentei usá-lo. Eu tenho este cartão, pois atende minhas necessidades no momento.

Revisado e recomendado por Marion em 24 de setembro de 2016.

Eu tenho esse cartão porque não há taxas anuais. É um ótimo cartão para viajantes estrangeiros, pois não há taxas de transação extras.

Eu sempre pago o meu cartão de crédito na hora, então não consigo comentar sobre a taxa de juros. Mas é um cartão perfeito para viajantes estrangeiros que pagam sua conta no tempo.

Revisado e não recomendado pela Debbie em 09 de julho de 2016.

Obteve o cartão para comprar uma geladeira sob financiamento, mas não precisa mais disso e gostaria de fechar isso. Isso foi conveniente, no entanto, caro para executar e agora tenho um cartão diferente que me dá pontos quando faço compras.

Revisado e recomendado por Sue em 03 de dezembro de 2016.

Eu adoro este cartão. Eu posso usá-lo em todo o mundo sem taxas de conversão para transações em moeda estrangeira.

Quando eu tive um problema com um depósito de aluguer de carro no Reino Unido, a equipe foi muito útil na disputa da transação e quando eu finalmente fui reembolsado, eles até fizeram a diferença de taxa de câmbio para mim, de modo que eu não perdesse . Um excelente cartão para uso mundial.

Revisado e recomendado por Claire em 22 de outubro de 2016.

Nunca costumo usar um cartão de crédito e me inscrever para que isso seja usado para viagens no exterior. Se você "pré-pagar" # 8217; Com o seu próprio dinheiro, você pode efetivamente retirar dinheiro e gastá-lo sem taxas e custos de conversão de moeda em caixas eletrônicos no exterior e lojas / estações de trem / o que quer que seja. Você pagará US $ 1 para pagar dinheiro e as taxas de juros não são instantâneas se você realmente usá-lo para crédito, mas, em geral, é uma maneira útil de evitar as taxas de transação no exterior que você paga. um cartão bancário normal.

Revisado e recomendado por Syl em 06 de julho de 2016.

Adoro este cartão, pois não possui encargos extras para transações no exterior, o que é ótimo porque não há surpresas quando chegar em casa. É fácil de usar e aceito em qualquer lugar. Não tive nenhum problema e recomendaria como um ótimo parceiro de viagem. Tornou-se meu único cartão ao viajar para o exterior e em casa.

Revisado e recomendado por Anna em 24 de agosto de 2016.

Este cartão é útil para compras no exterior (on-line e no país).

Existem algumas taxas (por exemplo, quando você adiciona dinheiro à sua conta não usando a função 'pagar minha conta & # 8217;). No entanto, não há taxas de manutenção de conta.

É muito fácil de usar e possui um layout e exibição de contas on-line claros. Eu recomendaria este cartão.

Revisado e não recomendado por S em 20 de setembro de 2016.

Eu li revisões e solicitei o cartão para uma viagem no Japão. Mas, mais tarde, descobri que a data de conversão da taxa de câmbio não era a data da transação, mas a data em que o registro foi publicado em seu sistema, portanto, não a taxa esperada.

Há também uma taxa de tratamento de pagamento de US $ 0,95 cobrada para pagar on-line, o que eu acho que é demais.

Revisado e recomendado por Sue em 10 de agosto de 2016.

Grande cartão para usar para viagens no exterior, pois não há taxas de cartões internacionais. No entanto, não há recompensas disponíveis. Além disso, os adiantamentos em dinheiro dos caixas eletrônicos custam dinheiro.

Muito mais fácil do que usar dinheiro, aceito pela maioria dos hotéis e restaurantes de todo o mundo.

O serviço ao cliente foi bem até agora, com declarações regulares disponíveis on-line. O débito direto também está disponível na sua conta bancária.

Há economias a serem feitas se você estiver viajando em vários países e não pode ser incomodado mudando várias moedas de caixa.

Revisado e recomendado por Clachair em 08 de novembro de 2016.

Usei este cartão em vários feriados no exterior (Europa, Bali, Japão) e nunca tive um problema. 28 graus fazem contato com eles com bastante facilidade. Eu esqueci de notificá-los de um feriado e eles pensaram que as compras no exterior eram devido ao fato de o meu cartão ser roubado. No entanto, eles contataram um membro da família que conseguiu se apoderar de mim e eu consegui resolver o problema através de uma mensagem do Facebook para eles, pois não tinha acesso ao telefone.

Os 55 dias de juros livres me dão tempo suficiente para pagar o meu saldo sem incorrer em nenhum interesse, o que, acredito, é significativamente alto se você não fizer isso.

Eu não tive problemas para retirar dinheiro desse cartão, no entanto, você sugere US $ 4 ou 3% da sua retirada como uma taxa se você decidir retirar, então eu principalmente tentamos usar o cartão para compras de débito. Como 28 graus não tem taxas anuais, eu sempre estou feliz em mantê-lo e usá-lo, se necessário, na minha vida quotidiana também.

Revisado e recomendado por Jay em 27 de setembro de 2016.

Um ótimo cartão para viajar e mdash; sem taxas de conversão de moeda. As taxas de câmbio são bastante razoáveis ​​também.

Este cartão não tem taxa anual, o que é excelente. A taxa de juros neste cartão é bastante terrível, no entanto.

O serviço ao cliente geralmente foi amigável e útil. Eu recomendaria este cartão às pessoas que pensavam em ir para o exterior.

Revisado e não recomendado por Paul em 11 de dezembro de 2016.

Este cartão não é mais necessário, pois existem melhores produtos para comprar no exterior. As tarifas são ultrajantes. O ponto de ter este cartão é fazer compras no exterior e não enfrentar taxas de conversão em moeda estrangeira, mas as taxas no cartão, se você não pagar, são exorbitantes. É melhor ter um cartão normal de baixa taxa.

Revisado e recomendado por Davin em 03 de julho de 2016.

Este é um bom cartão para viagens no exterior. A taxa de câmbio é fantástica, mas infelizmente tem uma alta taxa de juros. A grande banca online, o que é conveniente. Não há seguro de cortesia e o cartão não vem com um aplicativo. Apenas é bom usar no exterior por causa da taxa de câmbio.

Revisado e recomendado pela Karen em 10 de julho de 2016.

Eu obtive o MasterCard de 28 graus porque eu faço muitas viagens e compras no exterior. Um MasterCard parece ser um cartão muito favorável para compras e muitos hotéis, etc., aceitam cartão de crédito a favor de um cartão de débito. Não experimentei problemas com o MasterCard de 28 graus e encontrei as condições do cartão em minhas despesas.

Revisado e recomendado pela Roz em 20 de setembro de 2016.

Este cartão não possui taxas de manutenção de conta, conversão de moeda estrangeira ou taxas de transação. A única taxa extra é retirar dinheiro em um caixa eletrônico, que é mínimo e mdash; cerca de AUD 4.00 & mdash; mas os benefícios superam esta carga e é aceito em todo o mundo. Eu não viajaria sem ele. Eu uso isso quando viajo para o Japão para ver meu filho e usou este cartão na Europa, Oriente Médio e EUA. É um cartão de viagem essencial.

Revisado e recomendado por Leah em 03 de julho de 2016.

Este é um excelente cartão de crédito para usar quando viaja, pois não tem nenhuma taxa de transação ou conversão de moeda quando gasta dinheiro no exterior. Eu também gosto que não há taxa anual e mdash, eu me recuso a usar qualquer cartão que cobra uma taxa anual na verdade. A taxa de juros é bastante alta, mas sempre pago a tempo de qualquer maneira, então isso não me afeta.

Revisado e não recomendado por Infeliz em 30 de outubro de 2016.

Era um cartão aprovado sem taxas de transações internacionais, mas agora eles optaram por forçar seus clientes a usarem sua lenta 'Pay my account & # 8217; recurso através do seu site (demorando um mínimo de três dias úteis para processar, o que torna muito inconveniente esperar tanto tempo). Se você tentar pagá-lo normalmente (como via BPAY), eles agora cobram você toda vez que você paga do seu próprio banco normal BPAY.

Revisado e recomendado por Jo em 19 de julho de 2016.

Excelente para usar para viagens internacionais, uma vez que a conversão de moeda é justa. No entanto, não há pontos de recompensa. Seria bom se os pontos de recompensa pudessem ser obtidos no exterior. Você também pode completar seu cartão com seu próprio dinheiro para evitar taxas. O pedido para o cartão é fácil e pode ser feito on-line. No entanto, leva tempo para que o cartão chegue para planejar antecipadamente antes da sua viagem se você quiser usá-lo.

Revisado e recomendado pela Emma em 03 de maio de 2017.

Este é um dos melhores cartões para viagens no exterior. Não há taxas de caixa eletrônico, e eu nunca tive problemas para usá-la na Europa, na Ásia ou na América.

É infeliz sobre a cobrança BPAY recém-introduzida ($ 0.95 por transação). Eu posso usar o 'Pay my account & # 8217; função, mas leva mais tempo para que o dinheiro seja limpo e só pode ser feito a cada cinco dias.

Reviewed and recommended by Ryan on 24 Jul 2013.

By far, the best and only travel card you need (in fact, I would have two just in case you lose one and have to use an inferior card)! There are no fees when using international. Nenhum. All you pay is interest on purchases, which is admittedly high but as long as you stay on top of your balance, it’s not an issue. Or even better, get yourself in debit (that is pre-load with your own cash) and then you’re not even paying interest on purchases or withdrawals. It doesn’t get better!

Reviewed and recommended by Clinton Koch on 28 Oct 2014.

Rates and charges are the killer, but the card is not so bad because the charges are everyday and keeps on adding interest. Rewards are not too bad. Customer service is not great, but fairly good. It’s there when you need it.

Reviewed and recommended by Lynne on 29 Jul 2016.

This is my favourite credit card to travel with. The exchange rate is fair and fantastic. There are no over-the-top international fees like most everyday credit and savings cards normally charge. Also, It’s a MasterCard so it’s accepted everywhere. In the past I’ve also loaded it up with my own money so I could withdraw foreign currency at a great rate.

Reviewed and recommended by M on 05 Jul 2016.

This is a great card with no annual fee and no international transaction fees. It’s great to travel with or use when you shop online in other currencies. It also has the security of MasterCard. I highly recommend this card. The only drawback is that there are no reward points, but I still use it all the time.

Reviewed and recommended by Reg on 21 Sep 2016.

I have had the 28 Degrees Platinum MasterCard for about eight or nine years now. The charges are very fair and there is no annual fee. Not long ago I received an offer from them to upgrade to Platinum at no cost to me and gratefully accepted their offer.

I have used the card overseas in the UK and Africa and there are no foreign exchange rate charges at all. I don’t know of any other card that offers this advantage.

There is no rewards feature but who cares? I will never consider changing from the card that is simply the best!

Reviewed and recommended by Roslyn on 20 Sep 2016.

This card is a must for travellers as well as for everyday purchases. There are no account-keeping fees, transaction fees or conversion fees on overseas purchasing. The only charge is a small fee to withdraw cash from an ATM , and the benefits far outweigh this small cost. I would not travel without it.

Reviewed and recommended by Alyssa on 02 Jul 2016.

This is a great card for travelling overseas. It has no exchange rate, conversion, withdrawal, or international fees. You can go to multiple countries with it and use it like you’re a local. I think it’s best used in developed countries where you have access to EFTPOS and ATMs rather than third world countries that do not have the same accessibility.

The application was quick and easy. I was given a limit of more than $10,000, which is generous. You can easily pay via BPAY to top up as long as you have internet.

I don’t feel comfortable using it at home though because the interest rate is a bit high compared to other cards.

Reviewed and recommended by L on 04 Dec 2016.

The 28 Degrees card has been great for use with foreign purchases and currency, as the exchange rate is better than banks and other cards, while there are also minimal fees. I use it for all overseas purchases online, as well as taking it with me on international trips as my main source of credit.

Reviewed and not recommended by Ali on 24 Jun 2016.

As someone who has never been completely on top of my game in the credit card department, I take responsibility over being stung by the high rates post-introductory phase. However, this doesn’t excuse how incredibly high the subsequent interest rates were compared to other credit cards.

I initially chose this credit card before I moved overseas, as it didn’t have the high fees (such as international exchange fees) that many other cards do when using them overseas. I also chose this card because at the time, I could take money out as a cash advance from ATMs for very minimal fees—super helpful when living or travelling abroad. Whilst I benefitted from this for a few months, this changed whilst I was away and new fees were introduced, making it just a marginally better international card than other standard credit cards.

Now that I am home and the fees have added up over the past six months as I’ve been in a position where I haven’t been able to make regular repayments, I’ve recently made a balance transfer to a 0% interest card for 21 months whilst I try and catch up on my debt.

If you’re just hoping to use this card for it’s international benefits, then so be it, but, if not, there are plenty of other day-to-day cards with better rates and additional benefits.

Reviewed and recommended by Nick on 16 Nov 2016.

I’ve used this card for travel to many countries. Previously you could load up money on this card and use it at an ATM internationally without paying withdrawal fees. They’ve since changed that, and now you pay a 2% cash advance fee when getting money out.

The card is free and the exchange rate is usually pretty decent. I keep mine just for overseas use as it’s a bit of a pain to pay it off constantly, because they charge for you to pay the account by BPAY .

Reviewed and recommended by Neil on 09 Jun 2016.

If you’re planning an overseas holiday with your family, the 28 degrees MasterCard will save you a small fortune compared to the big banks’ credit cards—actually even compared to every credit card available to the Aussie consumer. It is a front runner for value for money and ease of use.

Reviewed and recommended by Nok on 02 Jul 2016.

I use this a lot when I have holiday in another country. I have a low limit of $10,000, which is enough if I have trouble anywhere. There are no frequent flyer points with this card, but no fees until now. Now they want to charge for making a payment. That is not good. The card itself is good though.

Reviewed and recommended by Dave on 06 Sep 2014.

Very easy multi-currency credit card to use. Exchange rates are as close to market rates as possible with a retail credit card! Setup is conducted entirely online and is easy to manage. Only downside is the customer service is not open 24 hours, which makes it difficult to resolve issues in different countries.

Reviewed and recommended by Kyria on 22 Sep 2016.

After doing some research, I chose this card as the best option for use overseas while travelling, as (unlike most other cards) it has NO currency conversion fees.

The downside is that you can’t earn any frequent flyer/reward points, but I believe the advantages outweigh the disadvantages. Also, there’s no annual fee!

Reviewed and recommended by mohammed i on 25 Aug 2016.

This card offers lots of beneficial points, like no annual fee, long-term interest-free periods, international travel services, account security, low interest rates, no overseas fees on purchases, no currency conversion fees, no foreign transaction fees and the ability to withdraw cash overseas without fees.

It has worldwide emergency card replacement, a 24/7 helpline and a concierge service.

Reviewed and recommended by Jason on 20 Sep 2016.

This is the best credit card i have ever had. It’s the only card i know of that you can take overseas to withdraw money that doesn’t charge conversion fees.

It has low fees and is the only credit card that i would ever own. The interest rates are OK, but it’s more about the convenience and bonuses.

Reviewed and recommended by Andrew on 07 Dec 2016.

There are no rewards or loyalty program, but good exchange rates and no fees.

It’s easy to set up and there are no annual fees, even for supplementary cardholders. We have used this card in France, UK, Switzerland, Hong Kong, Singapore, Fiji, New Zealand and Australia, all without any issues at all. I definitely recommend it.

Reviewed and recommended by Joanne on 24 Jun 2016.

I have never been turned away from making a purchase anywhere in Australia with this card. They called once to let me know that some strange activity was occurring. It was only a few cents worth, but they picked up on it.

Loved the zero percent interest on balance transfers, which initially made us make the decision to go with this card. I’m not loving the interest rate right now and am currently searching for a way to cut some costs. Paper statement fee of $2 is a wrought just like the other cards charging this fee. We should not be 'softly bullied’ by big companies to accept this charge when they make a profit off the consumer to begin with.

Not everyone wants to deal with a screen—some people like to actually speak to people face to face. I don’t enjoy making phone calls to them for help and then getting help from someone with a heavy accent. I like to be able to understand those I speak to, especially when it is not face to face.

Statements always arrive on time. I have been charged a $25 late fee for not making the minimum payment on time, which I think is incredibly rude and also a way to softly bully the consumers into the direct debit option or of course run the risk of forgetting.

All in all, there has not been any major issues with this card, but that will not stop me from looking to see if I can save a penny for a change as with all these extra charged on top of the actual bill for the services supposedly used, it adds up and will eventually make us use the product less and less.

Reviewed and recommended by Anne on 06 Jul 2016.

I love this card. It has no annual fee and no fee for overseas transactions. Each currency is calculated at a very good rate to bring it back to Australian dollars.

Any time I’ve rung customer service, I’ve been impressed. They are really there to help you and are quick to respond if you are in trouble.

Recently, rewards have been offered for using your account to a certain value during the month. The only downside is the interest rate if the total balance is not fully repaid during the current period. So the bottom line is, pay it all off each month and enjoy the best credit card on the market.

Reviewed and recommended by Reg on 02 Jul 2016.

This is honestly the best card on the market. There are no fees and there are no foreign currency fees to pay even when used overseas. I have used it in England and Africa, for example, and there were no exchange rate fees at all.

I have had this card for about ten years now and have never regretted having it as my main credit card. It is used extensively and will continue to be used.

Reviewed and recommended by Thomas on 06 Aug 2016.

I like this no-fee credit card because I travel a lot overseas and am usually hit with international transaction fees when I use other cards. With the 28 Degrees MasterCard, I pay no international transaction fees and no annual fees. This saves me money and I like the idea of not paying money to credit card companies for no reason.

Reviewed and recommended by Macca on 01 Apr 2014.

Have been using this card for quite a number of years and have always found it to be very easy to use and never had any problems. Being able to pay for international purchases without a fee being charged for conversion from Australian currency to a foreign currency makes this card very worthwhile.

Reviewed and recommended by Liz on 01 Oct 2016.

This card is great for travel and buying goods online, as there are no extra costs associated with different currency transactions.

The security is amazing and so you feel reassured that you are protected. Their fraud squad are communicative and investigate and refund any costs that were not incurred by you. They also call you if they detect any activity that they think is concerning.

Reviewed and recommended by Dale on 02 Jul 2016.

You might be surprised to find when you make a purchase online from what appears to be an Australian site that your transaction takes place offshore. As a result, most credit cards will charge you a foreign transaction fee, even though you believed you were dealing with an Australian business. Not so with the 28 Degrees MasterCard. This card has no foreign transaction fees, so you can confidently shop online knowing you won’t be charged these fees. For the same reason, it’s also a great card to take on holidays with you. This is actually the original reason I got the card. It was really helpful on my USA trip!

Reviewed and recommended by Amanda on 22 Oct 2016.

The 28 degrees Platinum MasterCard is a fantastic everyday credit card. There are no annual fees associated with this card and it is accepted everywhere.

The card has a stylish-looking design as well. The website allows for easy payment, with email reminders available to avoid paying late fees and interest. It’s a wonderful card that I have used for many many years.

Reviewed and recommended by cherylh on 28 Jul 2013.

Have been using this 6 months and have found no faults yet. The 28 Degrees is an online credit card. They provide excellent information, details of purchases, payment and answer emails and phone calls promptly. This is a brilliant card to take overseas. There are no international usage charges, no currency charges or other hidden charges. The only charges, if you pay on time, are those charged by banks if you use their ATM .

Reviewed and recommended by Tarryn on 17 Nov 2016.

With no currency conversion fees, it is the perfect card for travel overseas. I will always use my 28 Degrees card to book overseas flights and hotels without the expensive conversion fees other bank cards charge. It is trustworthy and there are never any sneaky fees.

I have no had any problems with my card and the customer service is good. However, as I have had no problems my interactions with customer service have been minimal. I have and will continue to recommend this card.

Reviewed and recommended by Alison on 23 Oct 2014.

I originally signed up for this card as I was doing a lot of travelling. It doesn’t charge to change currencies (which is great for travel and online purchases). No account fees, interest is only charged if you don’t pay off the card each month rather than as soon as you make a purchase. No frills, easy to use card.

Reviewed and recommended by Michael on 11 Jul 2016.

I use this card whenever I purchase items in a foreign currency. I was tired of paying excessive fees on my other credit cards, and I didn’t want to shell out even more money for a travel card from other banks or Australia Post. With the 28 Degrees card I can purchase items over the internet and in other countries when I travel, safe in the knowledge that I will pay what I thought I would pay with no hidden fees.

Reviewed and recommended by Priska on 01 Jul 2016.

I’m so glad to have this card. We travel to Asia quite a lot and this card gave us a great rate and didn’t charge much for the overseas transactions. There’s no annual fee to have the card. It’s very easy to manage and their customer service staff are friendly and helpful when I rang to increase or decrease my credit limit.

Overall, it’s a fantastic card to have.

Reviewed and recommended by M on 05 Dec 2016.

The main benefits of the 28 Degrees card are that there are no yearly fees and no international transaction fees. It is great for travelling abroad and buying online from overseas.

Their customer service is good — very friendly and helpful.

It’s payWave enabled for ease of paying more quickly than before, especially compared to cash.

Reviewed and recommended by Kimberly on 06 Jul 2016.

I picked up this card a few years ago for overseas travel. Before then, I hadn’t even owned a credit card. The card gave me such peace of mind with hassle-free transactions all over the world and no constant worrying about exchange rates or fees. I thought when I arrived home I wouldn’t have the need for the card, but I use it all the time. It’s convenient with no hidden fees, and as someone who is quite sensible with their money, the long interest-free period each month gives me ample time to make sure I pay it off in full.

Reviewed and recommended by David on 26 Oct 2016.

I’ve been using this card for a month now with absolutely no problems at all. I got it because I wanted a fee-free card for overseas transactions, and this card does the trick.

One drawback is that it offers no rewards, but really it makes life simpler. I’m looking forward to using this card for the foreseeable future.

Reviewed and not recommended by Tim on 12 Aug 2016.

Card charges you for BPAY payments. No alternative way of paying without attracting some form of a fee, poor customer service, long waiting times for phone service. The web portal is badly designed and a lot of features are unavailable for weeks at a time. I only lasted two months before I cancelled. Save yourself the time and trouble and give them a miss.

Reviewed and recommended by Courtney on 11 Dec 2016.

This is my first ever credit card. The application process was quick, simple and easy. I got accepted straight away for the credit card, but had to prove my income simply by uploading one of the accepted documents.

I plan on using this card overseas as there are many benefits to using it this way. I have yet to purchase anything with my card, but am much looking forward to it.

Reviewed and recommended by Roswitha on 10 Oct 2016.

It’s a great card, but quite often have a problem understanding the dreadful English some of their operators speak. Sometimes there is an issue and they usually deal with it fairly well.

The card is quite convenient because everyone accepts it and if you use it wisely and pay full balance each month you can actually end up saving heaps of money.

Reviewed and recommended by Paul on 02 Jul 2016.

This card has been handy when travelling or for online purchases for the past eight or so years. The exchange rates have been about the best so far and without fees. For the very few times I’ve called their centre, the staff have been great.

The new 'fee for paying us’ concept won’t be liked by many.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

Be over 18 years old You are a resident or citizen of Australia Have a good credit history You have your personal details ready to complete the online application Have not applied for multiple credit cards recently Joint applications are not allowed Temporary residents are not eligible.

Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

® 2008 - 2018 Credit Card Compare.

Port Macquarie 2444 Australia.

The products on this page have been selected from the range of credit cards on this website and is not representative of all the products in the market. The use of the terms “Popular”, “Best”, and “Top” are not product ratings and are subject to our disclaimer. As always, you should seek independent advice from a qualified financial advisor and take into account your own personal financial circumstances.

OzBargain.

Hey guys, i stumbled on this '28 degrees' Mastecard from an advertisement on zuji. au.

I've never needed a Credit card before and i still don't however the thing that seems to have won me over is no international transaction fees.

I'll be overseas for 2 months later in the year (thanks to the malaysia airlines deal) and this could be very useful. I was just wondering on a few things regarding the card.

Would this mean if i was to take cash out from a debit transaction i would not be charged a currency conversion fee? Of course ATM's i would be charged by the owner?

Also i was wondering if there was any other options or anything i should really look out for other than the obvious high interest rate? I can't seem to find a catch if i was to order the card and cancel after i return, it was also form good security in case i became a bit short of money abroad.

Related Store: 28 Degrees Card.

Deals and CouponsForumsCompetitions SubscribeContact 1300 552 079.

You do not get charged a transaction fee. The cost to you is factored into the exchange rate, which is actually quite competitive.

However, your balance must be positive, or the ATM withdrawal is a cash advance and accumulates interest right away . So move money into the CC account before you set out. Oh, and ring them up to tell them your destination countries so that they don't get alarm bells ringing when they see foreign transactions and cancel your card and leave you high and dry.

No need to cancel it when you get back, unless you don't trust yourself. It's very useful for buying from overseas sites without a transaction fee.

Thanks for your help, there doesn't seem to be any catches but i just read up on product review (

It seems GE money is only accepting customers who they believe will pose a risk, which i know they are a business and there's not much money to be made off a customer who pays their debts in time but pretty bad on their behalf if it is true.

I'll apply now, fingers crossed i'll get approved.

I doubt that, or it may be some old practice, or they are just really bad at it.

I know many people with great incomes and no debts who use this card only for travel. Plus many people on whirlpool complain about only being approved for low limits. The best way to trap people into debt is to pre-approve high limits.

They keep sending me inducements to increase my limit. No thanks.

Thats quite interesting if true.

They must hate me because I haven't paid 1 cent extra to them for anything :)

Don't worry sam, there are more then enough people over spending and not paying their balance in full to counter all of us that never pay any interest :)

This is very true and aligns completely with my experience applying for a Wizard card last year. I am single with no debt, high income and a good credit rating. I was preliminarily accepted, completed their shitty paperwork and submitted at the Post Office. I received a rejection letter a few weeks later. Talk about a waste of time, rejection without being informed of the reason is utter crap. Indian call centre worker told me to re-apply in 12 months. Their business strategy is obvious - there is a high chance they would not make money out of me, as I would indeed only use this solely as a travel card and would never incur interest. It is frustrating that they are not open and honest about this policy, had this been transparent I would not have bothered to apply in the first place.

It is kind of sad how they prey on the lower socio-economic debt riddled classes but I suppose they are no different to the dozens of other lenders out there.

i don't think this is true. i did apply this wizzard cc and i always pay my other cc balance in full. no issue what so ever. i guess if this is the first time u apply cc, u might get rejected. or if they do credit check and find out you got higher mortgage or other loan, they might reject your application either.

Except I have had a CBA credit card for 10 years! Also I have no mortgage or other debts - I guess they took one look at my massive income and decided I did not fit their target demographic.

but, i got rejected twice when i try to apply jetstar master card, even i told them that i would like to do balance transfer (that time they got 6 months 0% interest)

Great card, this is linked to my paypal account and I use it for OS transactions rather than paypal's crap rate.

How do you get around Paypal converting everything into AUD first?

When your at the checkout, choose more funding options, select your credit card and select 'use my credit card conversion rate'.

You will get something saying PayPal can't tell you what the total will be in your local currency, which is fine.

Every time you make an OS purchase you MUST change it to credit card as it will default to your bank account, however you only need to set the conversion option once (although it's a good idea to check on your 2nd transaction to make sure).

Espero que ajude.

Obrigado! I always select credit card but for some reason I had never noticed that option before. Would have saved me a bit, haha.

I've just applied, and been accepted!

This will be good for keeping the credit rating nice and high, OS transactions and travelling. Hoping i can trust myself with the card however!

From what you were saying 'Greenpossum' the card doesn't seem to have any fees on a cash advance and i can't seem to see the rate. I am presuming there would be 55 days free for a cash advance anyway?

If this is so, it means i can bypass getting a travelex travel card and rely on this little beauty. It seems a little too good to be true, with the high coversion rates + no annual fee. :)

Be very careful Phil - you need to deposit your own funds onto the card to avoid charges for cash withdrawals. por exemplo. your credit limit is say $5000. Load $3000 of your own money on the card and you can withdraw up to $3000 as a cash advance without incurring fees. Once you start using their money you will get hit. Having said that I have been using this card for years for international transactions and it is brilliant.

if you have to put your own money in then aren't you losing interest on it just sitting in the card?

Short answer = yes.

Using my example of $3000 invested in UBank at 6.51% = $3.76 a week.

Do your own sums from there.

Sim. but think of the savings you're getting from not paying international transaction fees & the superior exchange rate you're getting.

Works out better for you. When you get back to Australia, just withdraw any positive balance you have from the ATM and move it back over.

Also if you are going to be overseas for a long period, you don't have to put in all the money in advance. If you have access to the Internet and a safe computer, i. e. your own netbook and not an Internet cafe machine, you can pay money from your savings account into 28degrees while overseas.

You'll have to estimate the balance in your account though so that it doesn't go into debit. You can login to the 28degrees site and see your recent transactions.

And the Travelex card is a total rip-off - no self-respecting ozbargainer would go anywhere near it :-)

Besides the obviously exorbitant rates, you also lose another way, not so obvious. You won't be able to get the last few dollars out of it due to ATMs giving out a minimum of $20 notes. That's an extra overhead. Want to withdraw the balance when you get back home? There's a charge for that. Think you can leave the money in there and use it next year? Hah! they thought of that too. They charge a "account keeping fee" and drain away the balance of your card.

Não! There is no interest free period for cash advances.

And if you think a bit about it, why would they give you interest-free money for nothing? If hypothetically they did you could withdraw up to your limit and earn interest on that money, then pay it off before due date. De jeito nenhum. Cash advances attract interest from the moment of withdrawal, unless they are your own money that you put in earlier.

Cash advances are a totally different thing. It is essentially a loan which gets charged interest IMMEDIATELY at a very high rate (usually 19%+ p. a)

EG: You have a credit limit of $5000. You withdraw money from the ATM of $X. You will be charged interest on the $X.

What Greenpossum is saying is the way to get the most out of the card. EG: Get the card with a credit limit of $5,000. "Pay" the card first with your own money, say $1,000. When you go to the ATM (here or overseas) and withdraw, it will take out your own money first, without any transaction fees or foreign exchange fees. So you can get up to A$1,000 without being charged a thing, except for a very reasonable foreign exchange rate fee.

Once you withdraw over this $1,000 you revert back to a 'cash advance' - bad news.

If you don't want to bother with all of this, just take your card overseas and use it like a normal credit card. You get UP TO 55 days interest free, no transaction fees and again, a reasonable exchange rate.

I had this card when I travelled overseas for 4 months. Well it was Wizard Clear Advantage back then. Best thing I had with me. I just moved money from savings to the card as I needed it. Maybe $1000 at a time. The exchange rates that would come up on my statements were pretty close to what was listed on xe.

Now the card just sits in my wallet, waiting for me to go on holiday again!

or if you buy items from ebay, and using your paypal linked with this cc to pay your purchase.

I am about to go OS with my 28 deg card as my main source of funds. I understand cash withdrawals are almost free (provided I load the card with my funds) but what about if I use it as a Mastercard credit card? Does it convert to AUD at the same exchange rate as the cash withdrawal?? (btw - best exchange rate I could find) or is it better to withdraw cash and pay with cash??

When I used it overseas I would sometimes just pay for things with the credit card - and on my statement there would be the figure (in pounds for example) then what was billed to my card in AUD. Because the rate changed everyday I was unsure if it was a different rate. But I don't think it was and if it was it was marginal. So it would be no different withdrawing and paying cash.

The only thing you will need to worry about it withdrawing cash when you run out of your own money. That will incur 20% charges or whatever it is. And also cash took a couple of days to transfer so be wary of that also.

Tenha uma boa viagem!

Thanks Ant - I plan too, but sure is stressful organising work and family and home before I go :)

Op is off to the UK right?

If you are really worried think about travellers cheques.

Mark & ​​amp; Spencers let you cash up to 200 pounds daily (or at least they did as of last year)

use them in combination with your card.

It beats the CBA travel card in that it has no fees, reasonable exchange rates and no interest (assuming you credit the account prior to travelling). Downside is that it doesnt come with a spare like CBA. Question for you to decide is whether or not you think theres a chance you'll lose it, and if so, whether the saving you make on fees is worth that risk.

Im travelling in a week, and I chose CBA because im prone to losing things and when you consider it all, the additional $50-100 you'll lose through fees is worth the peace of mind of having a spare card (for me anyway).

Take both along. :)

US Dollar USD 1.0934 1.0951 1.1118 1.0266 1.0212.

as you can see if you want to buy usd against usd, your 1 aud = usd 1.0212 compare than if you do with 28 degree, with the current rate 1 aud = usd 1.0634.

every aud 1000 conversion to usd, you just loss = usd $42.2, thats not included the cost to convert your money at cba with the fee aud 8 + card issue aud $15 = aud 23 = usd 24.4582.

USD 42.2 + usd 24.4582 =usd 66.6582 that is your total loss.

don't talk about loss of interest, because when you exchange your money with cba, you also lost your interest potential as well.

have you ever read this fees?

This card saved me a fortune in Europe. Particularly handy to load up with extra cash then withdraw at any ATM around europe (most had an English language option, although the Italian ATM'S were a bit hit and miss on reliability). Also, make sure you let 28Degrees know before you travel, mine got put on hold halfway through the trip due to all the foreign transactions at that was a bit of a pain.

Anyone know that how does it compare to the Woolworth Master card, which I have? Don't know about the exchange rate, but it does charge 3% oversea transaction fee .

I applied for this & I was rejected toooo …

Never been rejected for a credit card before & have a stable, secure good income job & 2 other credit cards with practically 0 balances..

I think in my case its because I recently got a mortgage on my own and the repayments are a good chunk of my salary ..

But I am soo shocked .. I was looking forward to taking this with me later in the year overseas ..

anyone have ideas of anything i can do? I guess it won't help to call & ask for a reason as they prb won't give me anything right?

If you have a relative who can get the card, then that is an option, as you can have a card on that account. (They can get the card after they have been approved and any supplementary card isnt credit checked)

Given there is no annual fee, it costs them nothing to do this, and they can use it os as well.

But they do need to trust you…

Most companies calculate your repayment liability by the amount of credit available on your cards, rather than the amount you have outstanding now.

As they don't know if that is your usual spending habit, or your at the tail end of paying off a large debt.

In some cases companies will allow you have a card, if you agree to close one of your other cards. Most companies don't ask for proof that you've actually done this, but it could be worth calling them and asking if that would work.

I didn't get rejected as I stated I had $5,000 owing on a current credit card and I I ticked some box saying I would 'consider' transferring that amount to 28 Degrees.

They weren't to know that I would be paying that off in full in the next few days.

put plenty of credit on the 28 Degrees.

bring a Visa card to use as a credit card.

bring the no-fee AMEX to use as a spare credit card.

bring my CBA keycard as a backup to the 28 Degrees.

Has anyone used the 28 Degrees in Cuba (ATM and over the counter) I am reading Mastercard won't work ing the ATM's but over the counter withdrawals is possible.

When I went 7 years ago, I took a wad of USD. I suspect the comms infrastructure hasn't improved so much that you can rely on it outside of tourist enclaves. Cuba is pretty 3rd world. But you should really ask on a travelers' fórum.

Hey guys, so if I had this card and wanted to make a purchase over the counter overseas, if I want to use my own pre-loaded funds would I select the 'Savings' option (if there is one)? And if I wanted to use it as a normal credit card with the 55 days interest free for the purchase, would I select the 'Credit' conta?

It's always a credit card, not a bank account with multiple sub-accounts. Only diff is when the account is in credit, any cash advances come from that first right away. Normal CC purchases have up to 55 days before it deducts from any credit.

Ok so if I don't have any of my own funds on it and go buys some jeans overseas, it will just act as a normal credit card and I have those 55 days interest free?

If I don't have any of my own funds on it and make a withdrawal from an ATM it will count as a cash advance and I'll get charged interest right away, correct?

Sorry for the newbie questions, i've only ever owned a debit card before :)

That's right. Exactly the same as in Oz but with some take by them on the international exchange.

So let say if I put $2000 in the car, then withdrawn $1500 while I travel overseas. When in come back I withdraw the remaining $500 at ATM in AUSTRALIA, I will be NO FEE at all. Isso esta certo?

Certo. Or you can just spend the $500 by using it as a credit card. Or course, the figures will not be so round since you will get odd amounts deducted due to the rates of exchange, but as long as you don't withdraw more than you are in credit, there is no cash advance interest charge.

I'm not sure about 28 Degrees but other credit cards (that you have excess funds on return from holiday) will charge a fee of around $5….best to Bpay to a card you owe money on and to be safe keep it a dollar or two in positive. If the Bpay puts it 1 cent in debit that would be treated as a cash advance.

This isn't necessary. I've never been penalised for having my account in credit. I'm not aware of any credit cards, 28degrees or other, that charge you for having the account in credit (unless it's some huge amount then they might wonder if you are laundering money or what). You can always pay more than you owe and any excess goes towards cash advances and the next bill. They already have your float, why would they mind and penalise you? Also bear in mind that 28degrees isn't really aware that you are overseas, unless somebody there compiles a purchase trail. Also 28degrees isn't some kind of different CC, it's just a normal MC, the only difference is there is no transaction charge for cash advances, saving you a few bucks each withdrawal.

Cba charges you 2.50 per cash withdrawal when you load cash on your cc. And that was just transferring funds from cc to bank account might be more of you use an atm. So if 28 degrees charges no fees for this that is awesome!

I meant when you return from holiday with the credit card in credit and it's a card you don't use much so want the funds back, the charge is on the ATM withdrawal, both Westpac and ANZ have slugged me so now I bpay to a credit card I owe money on.

check citibank plus account, they waive foreign atm transaction fee, only pay the owner of the foreign atm fee.

Fees Monthly account fee Dishonour fee Bank cheques Overseas ATM withdrawal fees Overseas Direct Purchase Fee Citibank Dining Program.

Citibank Free Free Free Free Free Free.

Commonwealth Bank $6.00 $5.00 $5.40 $5.00 + 3% of transaction value 3% of transaction value Not offered.

ANZ $5.00 $6.00 $7.50 $5.00 + 3% of transaction value 3% of transaction value Not offered.

Westpac $5.00 $9.00 $5.00 $5.00 + 3% of transaction value 3% of transaction value Not offered.

NAB Free Free $8.00 $4.00 + 2% of transaction value 2% of transaction value Not offered.

Source of comparison chart: Rates are published rates. This table has been provided by Infochoice. au from information provided by institutions listed as at 17 October 2011 and may be varied. No monthly account fee applicable in some instances, subject to certain criteria. Bank cheque fees priced based on cheques that are requested online. The products compared in this table are ANZ Access Advantage, Commonwealth Bank Complete Access, NAB Classic Banking and Westpac Choice accounts.

Although you also need to check what exchange rate you are given. 28degrees offers a very small spread from the published rates found in the newspapers.

I use one of these for travelling / paypal / foreign transactions, but haven't checked out the market recently. You need to be pretty diligent with these guys, I've had a lot of hassle. Wasn't able to get a replacement card after it was stolen overseas (but easily managed to get replacement cards for my bankwest account). They also dick you around a fair amount - I've had a lot of grief setting up automatic direct debit payments to pay off the card, and I still haven't been able to get a supplementary card for my wife.

Wouldn't be shocked if they are trying to get rid of customers who aren't going to rack up heaps of debt.

I had no dramas getting a replacement card when a similar thing happened to me whilst OS. All it took was one Skype call. Unfortunately they could only send the card to my registered address in Aus, and not to my overseas address.

Haven't tried setting up a direct debit yet, but it was fairly annoying trying to set up Bpay before they'd sent the first invoice with the account number on it.

Ei pessoal. I'm going to the US for 2 months and was wondering if I say put $1000 of my own money on the card, then withdraw $500, would any subsequent purchases over the counter come out from the remaining $500 of my own money or out of the available credit limit on the card?

Sorry for the noobish question. I've never loaded up my CC with my own money before as I usually just make purchases over the counter and pay off the balance at the end of the month.

It will be from your own money first.

Corrigir. What happens is that the money available via the card becomes [your limit] + [amount in credit]. Also credit purchases are not applied until the statement date.

When you put extra money onto your card, the card is "in credit". When you spend, it doesn't come out of anything "first". It just comes off the balance, and if the card is in credit it means you won't owe the card company anything until the balance is negative, ie. less than your credit limit.

Por exemplo. if my credit limit is $2k, and I put an extra $1k on the card, I now have $3k to play with. I'm in credit by the $1k that I put on there. Until I've spent that $1k, I won't have to make any repayments on my card.

Avoid making cash withdrawals if your card is not in credit, because you will be charged the exorbitant cash advance rate.

tl;dr The money you put on there will be spent first.

Thank you so much to all who replied to my question. Definitely learnt a thing or two tonight.

the best bet is to open bank account in other country and do a transfer, dependant on how long you are going to said country… total cost is $22.00 for transfer.

There are some things to consider.

How do you open the account before you go. many countries like Australia require identification and you need to be there personally before you can open the account.

That small issue aside….

Cost to transfer money internationally involves two things.

So transfering say $2K might only cost $22 as per your example, but if the rate you receive is 1c in the dollar more for this method there is an extra $20 cost. (given that we havent seen anyone give us an example of a better exchange rate than the 28 degrees card offer)

So far using the 28 degrees card there are NO fees and the exchange rate difference seems to be the best on offer, vs paypal and the banks.

And preloading it with say $2K before you go, means you can also do part of your strategy, use the funds (no fee for OS withdraw) and open an account when you get to the country should you be staying there for some time.

If you are concerned about safety and you cant open an account in this visited country, you can at least take the cash and buy travellers cheques there which would be at a more favourable exchange rate than buying them here from a bank.

citibank plus account holders can now transfer money overseas free but depending on the foreign bank they may charge you an inward fee. This citibank plus account now is a fee free account so you dont get slugged $5 plus 3% for atm withdrawals overseas or purchases like you did in the past. the other option is the Nab gold visa debit. Does anyone know how the citibank plus account visa debit withdrawal exchange rates are compared to the 28 degrees card and the Nab gold visa debit account? all three dont charge foreign exchange fees now. might try out the citibank plus account visa debit card on my next trip O/S.

can anyone confirm how easy it is to set up an automatic direct debit payment to pay off 28 degrees credit in full at month end to avoid interest charges?

I have this card but only use it for LIVINGSOCIAL deal purchase online.

it won't cost an oversea transaction fee which livingsocial charge you.

With regards to what people have mentioned above about putting their accounts into credit in order to avoid ATM withdrawals being considered cash advances, I'm curious as to whether any part of the Terms & Conditions (or elsewhere) for the card explicitly mention this. I'll be calling them shortly to clarify on this point before I apply for the card. However, since people here are already doing this successfully, thought someone could clarify for me.

The reason I'm curious is that the information on 'credit balances' in the T&Cs document is limited and separately, I've read this page 28degreescard. au/questions/faqs. html and it says:

Can I put my account into credit by making an overpayment?

We don't recommend placing the account into credit. The 28 Degrees MasterCard is a credit card and was not designed for this purpose. If your account is in credit, please contact customer solution on 1300 552 079 to organise a refund.

Probably because they don't want people loading the card, using it to make purchases (consuming the cash placed on it) and then taking out cash thinking they are still in credit but are actually doing a cash withdraw.

*Load the card with $1k of credit = +$1000 on the card.

*Buy $750 worth of goods = +250 on the card.

*Take out $300 cash = $250 of your own cash + $50 cash advance (boom! + cash advance fees + immediate interest accrual)

*Make another $250 of purchases = -$300 of debit on the card. $250 is interest free until the end of the statement, the other $50 is accruing interest daily.

Statement comes and some people would be surprised at the interest and cash advance fees.

That's my thinking as well - that's how it tends to read imho. The FAQ only says "recommend" anyway, not "you can't".

The other question I had — which I'll also be putting to the 28 Degrees people — is about currency conversion. I notice that in the T&Cs in section 8.4 it states.

A purchase and a cash advance and any other charge incurred in a currency other than United States dollars will be converted into a United States dollar equivalent as at the date it is processed by MasterCard International Incorporated. Those United States dollar equivalents and any purchase, cash advance or other charge incurred in United States dollars will be converted to an Australian dollar equivalent at our discretion by:

(a) MasterCard International Incorporated as at the date of processing in the United States; ou.

(b) us as at the date of processing in Australia.

So, I read this as saying everything - so including AUD transactions - will be converted into USD and then at some point later be converted to AUD.

Call me paranoid but I read that as saying they could allow me to pay some for something in AUD today (converting it to USD behind the scenes) and potentially process the payment later back into AUD when the AUD-USD exchange rate may have potentially changed.

What's people's experience with this — is the amount you've paid in AUD what you get charged?

Never had a conversion for local purchases.

Think about it, it would be a bad strategy for them. Despite the attractions as a travel CC, most purchases are local. If people found that it cost more than a competing card, they would not use it.

Just heard back from the 28 Degrees people today — all transactions are converted into USD (except those in USD already), and will eventually be converted back to AUD. The person on the phone was of the opinion that conversion to USD and then to AUD happens at the same time, so something that was purchased in AUD would be converted to USD and then back again at apparently the same rate. Such is the way of MasterCard International, apparently.

Yes but so what if it's true that they are doing this double conversion behind the scenes? I've always been charged exactly the Australian dollar amount that the local merchant billed. And as lots of other users testify, their overseas rates are very good. If this reading of their T&C is holding you back, you are overthinking this. If they ever change their current behaviour just drop them.

It's smart to know what you're getting into when agreeing to something, especially for a credit contract. My concerns have been resolved — as far as I've been made aware, I won't be seeing anything unexpected on my statements.

just got rejected the card! anybody knows why??

never had a cc before and never applied for one before!

Try again next month, I had to try twice too.

Many possible reasons:

You should order a free credit report if you haven't done so to see if there is anything wrong.

Maybe it's also worth giving them a call?

I'm not sure how quick you can re-apply, but last time when I got rejected for an ANZ card, I was advised to wait for at least 6 months.

am working full time and as far as i know, dun owe any money.

i did rang them but they could not tell me the reason why i was rejected. they told me to wait 6 months as well.

where can i order my credit report?

Both are free and may contain different information.

Usually it's easier to get a credit card from the bank you have relationship with. The next card will be easier.

Entre ou registre-se para se inscrever no topo da conversa.

Estatisticas.

Online 159 users 920 guests 209,949 deals 21,952 comps 5,571,088 comments.

Todas as marcas registradas são propriedade de seus respectivos proprietários.

OzBargain é um site comunitário independente que não tem associação nem aprovação pelos respectivos proprietários de marcas registradas.

Direitos autorais e cópia; 2006-2018 OzBargain ABN: 26 144 073 772.

28 Degrees Mastercard by Latitude Financial Services.

Save with $0 international transaction fees when you travel or shop online, a $0 annual fee and a 24/7 worldwide concierge service.

The 28 Degrees Mastercard is designed to help you keep costs down when you use your credit card overseas, with no foreign currency conversion or ATM fees. It also includes a concierge service, online service centre, fraud protection and Mastercard PayPass contactless technology.

What is the 28 Degrees Mastercard and how does it work?

The 28 Degrees Mastercard is a credit card designed for overseas use and online foreign transactions. While most credit cards charge an international transaction fee worth 2-4% of every payment made overseas or in a foreign currency, the 28 Degrees Mastercard helps you keep costs down by waiving this fee. It also has $0 foreign transaction fees at ATMs, although you will still have to pay cash advance fees and interest charges if you use your credit card to get cash out.

The features and benefits of the 28 Degrees Mastercard.

As well as having no foreign transaction fees, the 28 Degrees Mastercard includes the following features:

Introductory balance transfer offer. For the first 6 months, cardholders are offered a 4.99% p. a. interest rate from account opening on balances transferred. This then reverts back to a 21.99% p. a. interest rate for all purchases. Up to 55 days interest-free on purchases . If you pay your account in full by the due date each month, you can make purchases on this card without paying interest. Cash advances. If you use a credit card to get cash out at an ATM, to buy foreign currency or for any other transaction defined as a cash advance, interest will be charged from the date of withdrawal. You will also have to pay a fee of 3% of the cash advance or $4 (whichever is greater). Contactless payments. This card has Mastercard PayPass technology that allows you to "tap and go" without entering a PIN for purchases under $100 in Australia. You can still tap to pay at other times, but may be asked to verify the purchase with a PIN or signature.

How much does the 28 Degrees Mastercard cost?

While the 28 Degrees Mastercard does offer $0 foreign fees, there are still times when specific fees and charges will apply. Use this table to find out about these rates and fees, then compare them to other travel money credit cards so you can find an option that is affordable for your needs.

Tip: Preload funds onto the card to avoid interest charges.

Is the 28 Degrees Mastercard worth it?

If you're interested in getting the 28 Degrees Mastercard, consider the following questions to decide if it will offer value based on your spending habits and needs.

How often do you travel? If you regularly go overseas, this credit card could save you a lot of money on international transaction fees. How much do you shop online? If you frequently pay with plastic at the online checkout, you'll find that additional charges for currency conversion and transactions that are processed overseas can quickly add up. As the 28 Degrees Mastercard does not apply these fees, it could help you make the most of online shopping bargains. Are you planning to get cash out with a credit card overseas? While this card offers fee-free ATM withdrawals, if you get money out you will still be charged a cash advance fee worth 3% of the cash advance or $4 (whichever is greater). Interest will also be charged from the date of the transaction. These are standard terms that apply to most credit cards in Australia but make sure you consider these costs before you apply or use the 28 Degrees Mastercard for cash advances. Do you pay off your credit card balance? The 28 Degrees Mastercard has an ongoing variable purchase rate of 21.99% p. a. that could quickly add up if you carry a balance. But if you pay the card off in full by the due date on each statement, you can enjoy up to 55 days interest-free on purchases.

Once you have considered these questions, you'll be able to weigh up the benefits and features of the 28 Degrees Mastercard to decide if it's worth it for you. Remember to also compare other $0 foreign fee credit cards so you can find one with the right features for your needs.

Answers to frequently asked questions about the 28 Degrees credit card.

Applying for and activating a 28 Degrees Mastercard.

Am I eligible to apply for the 28 Degrees Mastercard?

If you want to apply for the 28 Degrees Mastercard, you'll need to meet the following requirements:

Era. You must be at least 18 years of age. Residency status. You must be a permanent resident of Australia.

As long as you meet these conditions, you can submit an application for the 28 Degrees Mastercard. Latitude Finance will then assess the personal and financial details you provide to determine if you're eligible. While no other specific requirements are outlined, having a strong financial position, stable employment and a good credit history can only help your chances of receiving approval for this credit card.

Can you tell me how much credit I will get?

There is no way to inform you of your credit limit before you file your application and are approved. This is because credit limits differ from one person to the next and the information contained within your application will help the lender determine how much credit they can offer you. If you get approval, your welcome pack will provide you with all the information you need, including your credit limit.

How long will it take to get a response if I applied online?

In most cases, you will receive a response within 60 seconds.

If I applied online and I was approved, how long will it take for me to get my card?

From the moment you receive your approval, it will take around 10 working days for your card to get to you.

How long will it take to get an answer if I applied by mail?

If you mail in your application, it will take around 10 working days for you to get a written answer from the moment the application was received. If your application was approved, your card as well as the contract documentation will arrive in 10 working days from the date of approval.

Is it possible to apply for the 28 Degrees Mastercard in person?

No, you can only apply online or by mail. If the latter is your choice, you can print out the application from their website.

Will I be able to use my card as soon as it arrives?

You need to activate your card before you can use it. To do this, simply go to the 28 Degrees Mastercard website, log in to your account via the online service centre and follow the prompts to activate your card and choose a PIN for it.

Alternatively, you can call the customer service team on 1300 552 079. For further protection, make sure you also sign your card right away.

What is the maximum balance transfer amount?

The 28 Degrees Mastercard allows balance transfers up to your approved credit limit, subject to application approval. Note there is a minimum balance transfer amount of $100.

How long does the balance transfer rate apply for?

The introductory balance transfer rate applies for the first six months after you’ve opened your account. If you have remaining debt from your balance transfer after this time, the standard variable purchase rate of 21.99% p. a. will apply until you have paid off the balance in full.

So if you do use the 28 Degrees Mastercard for a balance transfer, it's ideal to focus on clearing your balance transfer within the first six months. This allows you to maximise your savings on interest charges.

Is it possible to add another person to my account?

Yes, you can request an additional cardholder for your 28 Degrees Platinum Mastercard at any time by filling out a simple form online. Note that additional cardholders must be an Australian resident that is at least 16 years of age. You will also need to provide the full name, date of birth and email address for your nominated additional cardholder.

Latitude Finance will then assess your request for an additional cardholder. If it's approved, you will receive a 28 Degrees Platinum Mastercard in the nominee’s name in 5-7 days. Note that you will still be responsible for keeping the account in good standing.

Account management for the 28 Degrees Platinum Mastercard.

What is the 28 Degrees Mastercard Online Service Centre?

The Online Service Centre offers you access to a variety of resources that makes it easier for you to manage your account. For example, you can convert to eStatements, which means you will get eStatement payment alerts before the due date, helping you save money on late fees. Furthermore, you'll also save money as you won't have to pay paper statement fees anymore.

You can also self-manage your account information and monitor the status of your account at all times, including your transactions and credit limit. You can also opt to receive payment confirmations and a variety of other alerts at any time.

How do I register for a 28 Degrees Online Service Account?

You can get an online service account for your 28 Degrees Mastercard using the following steps:

Go to the 28 Degrees Mastercard website. Click on "Log In" on the homepage. You'll then be taken to a login and registration page. Select the "Register" option from the top panel of the page and follow the prompts to complete your account registration.

You'll be required to provide your account number, date of birth and proof of identification during this process, so make sure you have these details on hand.

How can I pay my balance?

Here are the ways you can make a payment to your 28 Degrees Mastercard account:

BPAY. You can use BPAY to pay off the balance of your 28 Degrees Mastercard at any time. You'll just need to provide your account number and the 28 Degrees Mastercard Biller Code (found on your statement) to complete the transaction. As BPAY payments can take several days to process, make sure you complete the payment before the due date on your statement to avoid any issues. Direct debit. These payments will be made automatically on the date that you specify from a nominated bank account. You can choose to pay the full amount, a partial amount or the minimum for each statement period. If you pay less than the full amount, you can also make additional payments at any time using one of the other methods available. In person. If you choose this option you will need to make the payment at Australia Post outlets. You will be charged a fee of $2.50 every time that you make a payment if you do choose this option. Enviar. You can send a money order or cheque to the headquarters in Melbourne. You can find the address on the 28 Degrees Mastercard website. You will also need to send the payment slip that can be found at the bottom of your statement. Never send cash through the post. Only send a cheque or money order.

How is the foreign exchange rate worked out?

The 28 Degrees Mastercard uses the foreign exchange rate set by Mastercard International. This is set on a daily basis and factors in fluctuations in currency values.

If the transaction is done in a foreign currency, the exchange rate will be made up of two calculations. First, the transaction will be converted into US dollars and then it will be converted into Australian dollars and will be listed accordingly on your statements.

What is the cash withdrawal limit on this card?

The 28 Degrees Mastercard has a maximum withdrawal limit of $1,000 per day at an ATM and no more than $3,000 per day from a bank or other financial institution. This is subject to how much credit you have available and your location as some banks might have different withdrawal limits whether the transaction is done via an ATM or over the counter. Note that you might have a smaller cash limit on your card but details pertaining to your credit limit are available on your most recent statement.

Is it possible to put my account into credit by making a larger payment?

It is not advisable for you to put your account into credit as the 28 Degrees Mastercard is a credit card and not meant to be used this way. If you're account is in credit, you can contact the 28 Degrees Mastercard customer service team on 1300 552 079 to organise a refund.

Fraud, security and transaction disputes.

What are the security features of the 28 Degrees Mastercard?

The 28 Degrees Platinum Mastercard includes the following security features:

Chip protection. This card comes with a microchip that makes it difficult for criminals to copy your personal information if your card is lost or stolen. Chip cards also require a PIN to verify transactions, adding a layer of security to your in-person purchases. Fraud management. Latitude Finance has a dedicated Fraud Team that monitors spending patterns on 28 Degrees credit card accounts. This allows them to identify transactions that are not within your normal spending patterns. Once such a transaction is noticed, card security experts are informed so they can review it and take whatever measures they think appropriate. Protecting you against identity theft. The company is very careful with customer applications and all of them are assessed for potential identity theft. 24/7 support. The 28 Degrees credit card offers a round-the-clock support service for lost and stolen cards. If anything happens to your account, simply call 1300 552 079 in Australia or +61 1800 005 809 overseas. Mastercard SecureCode. This is a security system that provides an additional layer of protection when you shop online by requiring you to confirm your identity via a security code or security questions when performing certain online transactions.

How safe is Mastercard PayPass?

Mastercard PayPass is potentially the safest feature on the card. Due to the fact that you can just tap and go, you don’t have to worry about anybody else seeing your PIN number. You also don’t need to worry about anybody watching you do your signature or about fraud chip and pin machines. Your details will be 100% safe. The only time you would need to worry is if you lose your card or if it is stolen. You can easily cancel the card as soon as you find out that it is missing. The fact that it is also tracked by a fraud service 24 hours a day means that any strange transactions will be monitored. If your card is stolen simply ring up the customer services department.

Am I liable for unauthorised transactions on my account?

You have a zero liability policy, which means you will not be considered responsible as long as you did not do anything to contribute to the loss and informed the 28 Degrees team right away.

What can I do to reduce the chances of fraud?

Below are a few important measures you can implement to reduce the risk of fraud:

Sign your card as soon as you get it and always make sure you know where it is. Choose a PIN that only you will find easy to remember and make sure to never record it anywhere. Look over your account statements on a regular basis to make no unauthorised transactions have been performed. If you think an EFTPOS terminal or an ATM has been tampered with, avoid using the machine. If your card has expired or you don't want it anymore, don't just throw it out. First cut through the magnetic strip and the signature panel. Always make sure you have your card with you.

If you plan on travelling overseas, the issuer recommends that you contact them to inform them of your travel plans so they can update their systems and you can avoid having your transactions blocked.

What can I do about transaction disputes on my 28 Degrees Mastercard?

It's not unusual for a transaction dispute to be caused by a misunderstanding, which is why you should consider certain situations and if they apply to your case before getting in touch with the merchant or the 28 Degrees team to file a dispute:

I don't know what company is on my statement or I didn't authorise the transaction. You might find that the name of the store is different to the name of the actual company and this happens quite a lot with online stores. If you don't know what the description is for, you can run a search online and will be able to find out right away what the company does or sells. You should also check with other people who might hold cards on the same account whether they made the purchase or not. Also, make sure to look at the amount as this might jog your memory. The goods I got aren't as they were described. First, see what the return policy of the merchant is, which should clearly be displayed. If shopping in a brick-and-mortar store, make sure that you check the items thoroughly before completing the transaction. Whenever it's possible, make sure the items are described in detail on the invoice before you pay. I didn't get the goods or the service wasn't performed. Have another look at the estimated time of arrival of the items because you can't file a dispute if the date hasn't passed. If you made a purchase of items from abroad, consider that the items may have been confiscated by Australian customs. In fact, before you buy anything overseas, make sure you are fully aware of Australian customs regulations, which you can learn more about from the Australian Customs website. Always make sure to get written confirmation of the estimated date of delivery whenever you are having goods shipped to you, whether domestically or from abroad. The amount on my statement isn't the same as my receipt. This often occurs when you bought something abroad or the merchant is from overseas. Currency rates fluctuate daily, so the amount you pay could be different based on the date of the purchase. I don't remember buying anything on the date my statement indicates. Firstly, look at the amount you spent, as it may jog your memory. It's not unusual for there to be a delay between the actual date of purchase and the day the transaction shows up on your account. Also, check with any additional cardholders as they may have made the purchase.

If none of these scenarios apply and you are still uncertain about one or more of the transactions on your account, then contact the 28 Degrees team immediately on 1300 552 079 so they can open an investigation and block your card if necessary.

The 28 Degrees Platinum Mastercard is a popular travel credit card option with $0 foreign transaction fees and no annual fee. Now you know more about it, you can decide if you want to apply or compare other similar cards to find one that suits your needs.

Posts Relacionados.

Qantas Money.

Coles Credit Cards.

Compare Coles credit cards that offer flybuys rewards, low rates, no annual fees, plus platinum options when you meed the eligibility criteria.

Jetstar Credit Cards.

Low cash advance rate credit cards.

If you need cash quickly there are some credit cards that offer low interest rates on cash advances. Compare your options here and learn about the costs.

ME Credit Cards.

Credit Card Offers.

NAB Premium Card - Exclusive Offer.

St. George Vertigo Platinum - Online Offer.

American Express Velocity Platinum Card - Online Offer.

Westpac Low Rate Card - Online Only Balance Transfer Offer.

Pergunte a um especialista.

192 Responses.

Oi lá & # 8211; With the $1000 daily cash withdrawal limit, does the same limit apply for transactions using the card online or in-store? Is there a daily limit on spend? Obrigado.

Obrigado por sua pergunta.

Basically, your credit limit (given to you upon card approval) is also the total amount you can spend on your card for your in-store or online purchases. This is different from your cash limit. Although, with 28 Degrees, depending on your credit and cash limit, you are allowed to withdraw up to $1,000 per day at an ATM and up to $3,000 per day over the counter at a financial institution.

I am going away and have a $1000 limit on my 28% card. I want to load it with $3000 before I go, however I don’t want to withdraw any cash just use it as a credit card. So that would mean my money would be used up first and then the credit limit of $1000. Basically giving me $4000 worth of credit.

Obrigado por sua pergunta.

Yes, with 28 Degrees MasterCard, you can load it with cash to have a positive limit. If it’s on credit, the funds that will be used up first will be your own money. In case you will withdraw cash from your card, please note that you’d still be charged a fee of 3% of the cash advance or $4 (whichever is greater). For more information on fees, please refer to the details above or click on the green “Go to site” button to head over to 28 Degrees MasterCard’s official website.

If i have pre-loaded money on my 28 degrees card and go to take cash out the ATM will i only be charged the ATM fee of that specific ATM? (no cash advance fee?)

Obrigado pela sua pergunta.

If your 28 Degrees is in credit or have a positive balance, when you withdraw your money from an ATM, you won’t be charged an ATM fee and cash advance interest by 28 Degrees. However, you will still be charged CA fee of 3% of the cash advance or $4 (whichever is greater) and the local ATM operator may also charge a fee.

OK I’m a little bit confused. I understand the cash advance fee when there is no pre loaded money on the card, however if I have $200 on my card, take out $200 will I still be charged a cash advance fee?

I understand the ATM fee.

Thanks for getting back.

Sorry about the confusion here. Unfortunately, the 28 Degrees credit card cash advance fee is charged every time this is used for an ATM withdrawal. So even if your card is in a positive balance, you will be charged a CA fee of 3% of the cash advance or $4 (whichever is greater). The only fee you won’t get billed in this case is the cash advance interest.

How long is the expiry date on 28 Degrees Mastercard credit card?

Obrigado por sua pergunta.

The expiration date of a 28 Degrees Mastercard will depend on the date indicated at the front part of the card.

I may need to make a cash advance of up $18,000 as a direct deposit into my foreign bank account to satisfy long term visa requirements. This money only to keep the foreign account at a govt mandated balance for a month, thereafter another revenue source will allow the advance to be repaid in full. I have been granted maximum credit due to my good credit status. Will I be able to borrow this amount in one transaction, and is it correct the maximum charges won’t exceed $30? Also, is the interest that is triggered upon successful transaction additional to this? And if so is it the current p. a. rate? Obrigado.

Thank you for your inquiry and sorry for the delayed reply.

1. Will I be able to borrow this amount in one transaction, and is it correct the maximum charges won’t exceed $30?

Your available cash limit can be found under ‘Account Summary’ in the Online Service Centre, so you may need to log into your account to access this. You can also view this in your statement. Please note though that your available cash limit can be different from your credit limit and keep in mind that daily cash withdrawal limits apply.

The fee for withdrawing cash will be 3% of the cash advance or $4 (whichever is greater).

2. Also, is the interest that is triggered upon successful transaction additional to this? And if so is it the current p. a. rate?

Yes, the cash advance interest will be charged and the rate would be 21.99% p. a.

$0.95 is charged by 28 Degrees when you make your credit card payments through online (including BPay) and they also charge $2.50 when payments are made in person. There is no fee when pay your bill via Online Service Centre, but a visit to their Facebook page shows many customers cannot actually login and use that facility!

How could I check the FX rate charged?

Also, I am given the possibility to choose to pay in the country’s currency or in AUD (and then translation). what is the difference and what is best for me?

Obrigado por sua pergunta. As finder. au is a comparative financial service, we can’t actually recommend one specific service or product to our users as the best option depends ultimately on your own financial situation.

With 28 Degrees, one of its benefits is that you won’t get charged for the international fee or currency conversion fee. Since this card is a credit card (but you can load funds into it), you will only have AUD on the account, so conversion from AUD to another currency will apply. The exchange rate varies daily and will depend on the FOREX rate on the date of the transaction and the MasterCard conversion tool will be used.

Disappointed that 28 degrees is now charging 95c per payment from my bank account via BPay. What is the reasoning behind this? I have all my statements sent online.

I think I will be cancelling this card soon as I pay my current bill.

Obrigado pelo seu inquérito. Please note that you have come through to finder. au we are an Australian financial comparison website and general information service, not actually 28 Degrees.

I’m sorry to hear about your disappointment about the payment handling fee that was charged to you. The $0.95 is indeed charged by 28 Degrees when you make your credit card payments through online (including BPay) and they also charge $2.50 when payments are made in person. There is no fee when pay your bill via Online Service Centre.

For your reference, I’ve sent you the link where you can find the fees and rates charged by 28 Degrees.

How difficult is it to balance transfer from a 28 degree mastercard to say 0% interest for 18 months mastercard after your travels?

like what are the charges involved?

Obrigado pela sua pergunta.

It just takes about 10 – 15 minutes to apply for a balance transfer card online. Your approval depends on your eligibility and financial condition as supported by the documents the bank will require you to submit. Some balance transfer credit cards will charge you with one-time balance transfer fee which is generally 1% to 3% of the total balance being transferred.

If you are looking for a credit card with 0% balance transfer rate for up to 18 months, you can compare your options on this page. You can find some cards with Mastercard logo.

Hi, what is the minimum amount of credit allowable for this credit card?

Obrigado por seu comentário.

28 Degrees Platinum MasterCard has a minimum credit limit of $6,000.

Nível 10, 99 York St, Sydney, NSW, Austrália 2000.

Sobre nós Carreiras Sala de imprensa Contate-nos Parceiro com nós Termos e condições Diretrizes editoriais Mapa do site © 2018 finder. au.

Quão provável você recomendaria encontrar a um amigo ou colega?

Obrigado pelo seu feedback.

Nosso objetivo é criar o melhor produto possível, e seus pensamentos, idéias e sugestões desempenham um papel importante para nos ajudar a identificar oportunidades para melhorar.

Informações importantes sobre este site.

finder. au é um dos principais sites de comparação da Austrália. Comparamos um grande conjunto de grandes bancos, seguradoras e emissores de produtos.

finder. au tem acesso para rastrear detalhes dos emissores de produtos listados em nossos sites. Embora forneçamos informações sobre os produtos oferecidos por uma ampla gama de emissores, não cobrimos todos os produtos disponíveis. Você deve considerar se os produtos apresentados em nosso site são apropriados para suas necessidades e buscam conselhos independentes se você tiver alguma dúvida.

Os produtos marcados como "Promotado" ou "Anúncio" são exibidos de forma proeminente, como resultado de um arranjo de publicidade comercial ou para destacar um produto, provedor ou recurso específico. O Finder pode receber uma remuneração do Provedor se você clicar no link relacionado, comprar ou informar sobre o produto. A decisão do Finder de mostrar um produto "promovido" não é uma recomendação de que o produto seja apropriado para você nem uma indicação de que o produto é o melhor em sua categoria. Encorajamos você a usar as ferramentas e informações que fornecemos para comparar suas opções e encontrar a melhor opção para você.

A identificação de um grupo de produtos, como "Top" ou "Melhor" é um reflexo das preferências dos usuários com base nos dados atuais do site. Em uma base regular, a análise conduz a criação de uma lista de produtos populares. Onde esses produtos estão agrupados, eles não aparecem em nenhuma ordem específica.

Onde o nosso site liga a produtos específicos ou exibe os botões 'Ir para o site', podemos receber uma comissão, taxa de referência ou pagamento.

Tentamos adotar uma abordagem aberta e transparente e fornecer um serviço de comparação baseado em ampla. No entanto, você deve estar ciente de que enquanto somos um serviço de propriedade independente, nosso serviço de comparação não inclui todos os fornecedores ou todos os produtos disponíveis no mercado.

Alguns emissores de produtos podem fornecer produtos ou oferecer serviços através de várias marcas, empresas associadas ou diferentes acordos de rotulagem. Isso pode tornar difícil para os consumidores comparar alternativas ou identificar as empresas por trás dos produtos. No entanto, pretendemos fornecer informações para permitir que os consumidores compreendam esses problemas.

Fornecer ou obter uma cotação de seguro estimada através de nós não garante que você possa obter o seguro. A aceitação pelas companhias de seguros é baseada em coisas como ocupação, saúde e estilo de vida. Ao fornecer-lhe a capacidade de solicitar um cartão de crédito ou empréstimo, não estamos garantindo que o seu pedido será aprovado. O seu pedido de produtos de crédito está sujeito aos termos e condições do Provedor, bem como aos seus critérios de aplicação e empréstimo.

Leia os termos de uso do nosso site para obter mais informações sobre nossos serviços e nossa abordagem de privacidade.

28 Degrees Mastercard vs travel money card vs debit card.

How does the 28 Degree Mastercard compare to other travel money options?

So what plastic should you take on holiday? Here, we’ve rounded up the key features of the 28 Degrees Mastercard and compared them to travel money cards and the Citibank Plus Transaction Account to help you find the right type of card for your next trip overseas.

Compare No Foreign Transaction Fee Credit Cards.

Using the 28 Degrees Mastercard for travel and international purchases.

The 28 Degrees Mastercard can help you save on fees when you're spending money overseas by offering 0% currency conversion fees. In comparison, most credit cards charge a currency conversion fee when you shop or spend overseas, which is usually between 2–4% of the total transaction. Depending on your travel plans, this could add up to hundreds of dollars over the course of your trip. Other key features of the 28 Degrees Mastercard include:

Annual fee. While many credit cards charge a yearly fee that could be worth hundreds of dollars, the 28 Degrees Mastercard has $0 annual fee for life. Up to 55 days interest-free on purchases. The 28 Degrees Mastercard also offers up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement. No international ATM withdrawal fees. You can access cash with convenience overseas with a $0 international ATM withdrawal fee. Note that cash advance fees and charges will still apply when you use this card to withdraw cash. Local ATM operator fees may still apply as well. Most of the time these fees are advised at the time of the transaction. Cash advance rate. The usual cash advance fee is 3% of the cash advance or $4 (whichever is greater) and is charged when the card is used to withdraw money from an ATM. Interest on cash advances will apply at 21.99% p. a. charged from the date of the cash advance.

Using prepaid travel cards overseas.

Qantas Cash.

Qantas Cash.

Earn up to 1.5 Qantas Points per eligible $1 spent 11 currencies on one card Lock in exchange rates.

Qantas Cash.

The Qantas Cash allows you to earn Qantas Points on all transactions including local and foreign transactions. Choose from 11 currencies on the one card: USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED and AUD Ability to load money and convert currencies 24/7 on the secure customer portal. Locked-in exchange rates for multiple currencies and low and transparent fees. Accepted electronically – at over 35 million locations in over 210 countries worldwide.

These accounts let you hold multiple foreign currencies at once, so you can spend overseas without incurring additional costs for currency conversion. By loading a travel card with US dollars, for instance, and spending in US dollars, you can avoid this fee.

Security overseas.

Unlike some credit cards, which charge a fee when an additional card is issued, a second travel card may be given to you for no charge when you open an account. The second card acts as a backup in case the first card is lost or stolen. Because these are usually either Visa or Mastercard products they also have anti-fraud protection built in.

ATM withdrawals.

Travel cards attract an additional ATM fee for overseas withdrawals. In many cases the fee is less than the flat fee charged by your debit or credit card provider. For instance, the NAB Traveller Card, has an ATM fee of.

Overseas: $0 per withdrawal via international ATMs.

Domestic: $3.75 fee applies.

Moving and transferring funds.

NAB call it the "NAB Currency to Currency foreign exchange rate". This rate is used when you load and reload the NAB Traveller Card or move funds between currencies on the account.

The Mastercard exchange rate applies when you spend in a currency not loaded on to the card. It’s a little lower than the NAB travel card rate; however, the NAB currency conversion fee of 4% is charged on top of the exchange rate.

Travel Money Card Comparison.

Using debit cards overseas.

It’s easy to take your debit card with you travelling – there’s nothing to sort out and you have access to your bank account. Although this option may be more convenient in the short term, it could be a more expensive option in the long run, with many debit cards charging currency conversion fees and foreign ATM fees.

The Citibank Plus Transaction Account is an example of one that doesn’t charge for international transactions. Citi’s global ATM presence also means you shouldn’t have to venture far to find an ATM where you can withdraw for free.

Security overseas.

Unlike travel cards, transaction accounts generally hold the majority of a traveller’s budget. Much like other travel plastic, you’re protected if you’ve been defrauded by the card scheme’s anti-fraud guarantees.

ATM withdrawals.

The Citibank Plus Everyday Account has no fees for foreign transactions or ATM withdrawals, making this card a product to consider for your overseas travels.

Compare travel debit cards.

Popular questions for using the 28 Degrees Mastercard.

Q: Can you use 28 Degrees Mastercard as a debit card?

If you preload the account with a positive balance you won’t get charged interest on purchases and cash withdrawals as you’re using your own money. Q: The 28 Degrees credit card cash advance fee and credit card cash withdrawals.

By putting the 28 Degrees card into credit, you waive the Mastercard Zero Liability Guarantee. This guarantee protects you if you’re defrauded.

Use a combination of travel money for best results.

Each of the products on this page has it’s own advantages and disadvantages and will appeal to different people. It comes down to how you spend and the type of holiday or trip you’re going on. Compare your travel money options here.

Posts Relacionados.

Qantas Cash vs NAB Traveller Card.

Would you prefer to earn Qantas Points or to spend with one of Australia’s Big Four Banks?

Qantas Cash vs Travelex Money Card.

Qantas Cash vs Travelex Money Card. Find out who ends up on top.

NAB Traveller Card vs Commonwealth Bank Travel Money Card.

The NAB Traveller Card vs Commonwealth Bank Travel Money Card. Take your pick.

Frequent flyer credit cards vs. debit cards.

Will you earn more reward points with a frequent flyer credit card or debit card? Find out in this guide.

NAB Traveler Card.

Load the NAB Traveller Card with different currencies to simplify how you access funds overseas and save on fees.

Pergunte a um especialista.

57 Responses.

if I preload the 28 degree card with my money then will I attract a cash withdrawal fee if I select “savings account” at the ATM?

Obrigado por sua pergunta.

If you preload the account with a positive balance you won’t get charged interest on purchases and cash withdrawals as you’re using your own money.

I hope this information has helped.

Is 28 degrees MasterCard widely accepted in England, Paris and Italy?

Obrigado pelo comentário.

Absolutamente! As long as the MasterCard logo is on it.

In case of cash withdrawals, You can use the Global ATM Locator on the MasterCard website to know the nearest one in a certain area.

Espero que isto ajude.

28 degrees MasterCard are hopeless when it comes to replacing a lost and stolen card .. be prepared to wait 7 to 10 days ( who can afford that timespan when overseas) and don’ t believe any of the promises they make about forwarding a replacement card to your hotel overseas. It’s happened to me twice now 1st time I requested a companion card for my employee visiting Tokyo on a business trip and second time a replacement card for my card swallowed by a parking station pay station.

Why do they promise you all will be well .. after waiting forever, I found that in both instances the card had not even been sent .

Why does it take such an inordinate amount of time and why is the process so inefficient ?

Thank you for reaching out to us here at finder. au. We are a comparison website and general information service, we’re more than happy to offer general advice.

We are sorry to hear that. The 28 Degrees credit card offers a round-the-clock support service for lost and stolen cards. If anything happens to your account, it would be best to call them through their hotline 1300 552 079 in Australia or +61 1800 005 809 overseas.

Eu espero que isso ajude.

Hi Finder Team, can you please confirm my understanding …

I’m traveling to Europe and comparing 28 Degrees and my existing CBA credit card. Both use Mastercard. And both say exchange rates are set by the same MasterCard link you provided.

So, does that mean that the same transaction on each card would hit my statement using the same exchange rate … so the only difference is the international transaction fees (charged by CBA but not by 28 degrees)?

Obrigado pela sua pergunta.

If both credit cards use MasterCard exchange rate, you’ll get the same exchange rate for the same transaction done at the same time.

Since you did not mention what type of CBA credit card you are holding, I can’t determine what differences it may have with 28 Degrees MasterCard.

You may want to check the following features of 28 Degrees MasterCard and compare them with the features of your CBA credit card:

- The 28 Degrees MasterCard is among a handful of credit cards that don’t charge for International transaction fee.

- It also doesn’t charge for international ATM withdrawals.

- It attracts a cash advance fee of 3% of the cash advance or $4 (whichever is greater) when you withdraw money from an ATM.

- It offers up to 55 interest-free days on purchases.

These are some of the important features that can affect overseas transactions.

I have been preloading my 28 Degree card with AUD when travelling to Europe. When I draw this cash out at an overseas ATM it asks “do I accept the conversion rate?” I get the cash whether I click yes or no but can not work out from my statements if one is a better (cheaper) choice. What should I select?

Obrigado por sua pergunta.

If you will use your 28 Degrees MasterCard overseas, the conversion/exchange rate is determined by MasterCard International by the time you access the cash, so we may not be able to tell when you can get a better rate.

I am spend USD 20k per month online and am looking for ways to reduce my fees and costs which about to over $1000 per month. I was about to switch from using my CBA credit cards to using a CBA travel card as it had no intl transaction fees. It turned out that the rate they use on their travel cards meant that i would be worse off than using my credit card, even with 3% fees.

28degrees have told me that they use the exchange rate found at xe (which is the ‘mid rate’ with no buy/sell differential) and also charge no fees. They were, however, unable to provide me this important detail in writing.

Are they telling the truth?

Obrigado pela sua pergunta.

According to the 28 Degrees Mastercard website (in the frequently asked questions section), the exchange rate is determined by MasterCard International on a daily basis in accordance with daily foreign exchange fluctuations. The conversion will involve two calculations if the transaction is made in foreign currency. First, it will be converted to US dollars and then converted to Australian dollars for listing on your transactions. You can calculate the conversion rate using the Mastercard currency conversion tool.

The foreign exchange rate is calculated by MasterCard International on a daily basis according to daily foreign exchange fluctuations. The conversion will consist of two calculations if the transaction is made in foreign currency – it will first be converted to US dollars and then converted to Australian dollars for listing on your transactions. You can calculate the conversion rate using the MasterCard currency conversion tool.

Espero que isso tenha ajudado.

hello i will be going to peru only, for 4 months and am needing to find best card to use there. What might be the best debit card and travel load card available with least fees namely the atm use and currency convert fees. THX.

Thanks for reaching out.

If you are travelling to Peru, you can compare your prepaid, credit and debit card options here.

Eu espero que isso ajude.

When overseas and using the 28 degrees card as a debit card with own funds , which option do you choose when transacting at an ATM savings or credit and if using the card for credit do you choose credit?

Obrigado pela sua pergunta.

If you’re using the card for a credit purchase, select “credit”. If you’d like to withdraw funds that are loaded on your card, try selecting “Savings” at the ATM. Please note that while your withdrawals won’t incur the standard interest rate, you will be charged a cash advance fee of either 3% or $4 (whichever is greater).

Espero que isso tenha ajudado.

does the card offer complimentary travel insurance o/s.

Obrigado pela sua pergunta.

Unfortunately, the 28 Degrees MasterCard doesn’t offer complimentary travel insurance.

Espero que isso tenha ajudado.

If I have a 28 degree master card, am I able to deposit the money I get in the 28 degree account into another bank account without any fees? With a 0% for 12 months MasterCard?

Obrigado pela sua pergunta.

Just to confirm, are you looking to conduct a balance transfer your debt from your 28 Degrees MasterCard to a card with a 0% offer for 12 months?

Espero que isso tenha ajudado.

Nível 10, 99 York St, Sydney, NSW, Austrália 2000.

Sobre nós Carreiras Sala de imprensa Contate-nos Parceiro com nós Termos e condições Diretrizes editoriais Mapa do site © 2018 finder. au.

Quão provável você recomendaria encontrar a um amigo ou colega?

Obrigado pelo seu feedback.

Nosso objetivo é criar o melhor produto possível, e seus pensamentos, idéias e sugestões desempenham um papel importante para nos ajudar a identificar oportunidades para melhorar.

Informações importantes sobre este site.

finder. au é um dos principais sites de comparação da Austrália. Comparamos um grande conjunto de grandes bancos, seguradoras e emissores de produtos.

finder. au tem acesso para rastrear detalhes dos emissores de produtos listados em nossos sites. Embora forneçamos informações sobre os produtos oferecidos por uma ampla gama de emissores, não cobrimos todos os produtos disponíveis. Você deve considerar se os produtos apresentados em nosso site são apropriados para suas necessidades e buscam conselhos independentes se você tiver alguma dúvida.

Os produtos marcados como "Promotado" ou "Anúncio" são exibidos de forma proeminente, como resultado de um arranjo de publicidade comercial ou para destacar um produto, provedor ou recurso específico. O Finder pode receber uma remuneração do Provedor se você clicar no link relacionado, comprar ou informar sobre o produto. A decisão do Finder de mostrar um produto "promovido" não é uma recomendação de que o produto seja apropriado para você nem uma indicação de que o produto é o melhor em sua categoria. Encorajamos você a usar as ferramentas e informações que fornecemos para comparar suas opções e encontrar a melhor opção para você.

A identificação de um grupo de produtos, como "Top" ou "Melhor" é um reflexo das preferências dos usuários com base nos dados atuais do site. Em uma base regular, a análise conduz a criação de uma lista de produtos populares. Onde esses produtos estão agrupados, eles não aparecem em nenhuma ordem específica.

Onde o nosso site liga a produtos específicos ou exibe os botões 'Ir para o site', podemos receber uma comissão, taxa de referência ou pagamento.

Tentamos adotar uma abordagem aberta e transparente e fornecer um serviço de comparação baseado em ampla. No entanto, você deve estar ciente de que enquanto somos um serviço de propriedade independente, nosso serviço de comparação não inclui todos os fornecedores ou todos os produtos disponíveis no mercado.

Alguns emissores de produtos podem fornecer produtos ou oferecer serviços através de várias marcas, empresas associadas ou diferentes acordos de rotulagem. Isso pode tornar difícil para os consumidores comparar alternativas ou identificar as empresas por trás dos produtos. No entanto, pretendemos fornecer informações para permitir que os consumidores compreendam esses problemas.

Fornecer ou obter uma cotação de seguro estimada através de nós não garante que você possa obter o seguro. A aceitação pelas companhias de seguros é baseada em coisas como ocupação, saúde e estilo de vida. Ao fornecer-lhe a capacidade de solicitar um cartão de crédito ou empréstimo, não estamos garantindo que o seu pedido será aprovado. O seu pedido de produtos de crédito está sujeito aos termos e condições do Provedor, bem como aos seus critérios de aplicação e empréstimo.

Leia os termos de uso do nosso site para obter mais informações sobre nossos serviços e nossa abordagem de privacidade.

Point Hacks.

The best guides, deals and tips for.

more frequent flyer points in Australia.

100K Velocity Points + 100 status credits.

Annual complimentary flight and lounge passes.

28 Degrees Platinum MasterCard—no annual and foreign exchange fees.

28 Degrees Platinum MasterCard - no foreign exchange or annual fees.

The 28 degrees Mastercard offers fee-free international transactions and currency conversion. This is a favourite of savvy overseas traveller to help minimise payment fees abroad.

$0 annual fee Free international transactions and currency conversion Complimentary worldwide concierge service, 24 hours a day Insurance package including Price protection, Merchandise protection, Stolen Card Protection, Repayment Cover and Life Cover (PDS)

I earn a maximum of $50 per applicant for this card. More about this →

The 28 Degrees MasterCard doesn’t have a linked loyalty or frequent flyer program, but is still relevant for travellers and overseas spenders thanks to some unique features.

With no annual fee, and some platinum perks such as Concierge services, it is useful for frequent overseas jetsetters or those who make plenty of online purchases with overseas retailers.

28 Degrees MasterCard Eligibility.

To be eligible for the 28 Degrees MasterCard, you must:

Be over 18 years of age Be an Australian citizen or permanent resident.

There is no specific minimum income requirement.

What are the benefits of the 28 Degrees MasterCard?

The benefits of using the 28 Degrees card include:

No annual fee No currency conversion fees No international transaction fees on purchases Complimentary worldwide concierge service, 24 hours a day.

Is everything no fee?…. Well, almost…

The relevant fees for the 28 degrees card are as follows:

With most other credit cards 2-4% of each transaction spent on non-AUD transactions is charged.

This does not sound like much in isolation, but it can quickly begin to add up when many foreign currency purchases are made, which would be the case on an overseas trip.

With no foreign exchange fee, the 28 Degrees MasterCard can provide substantial savings for those who frequently transact in foreign currencies, such as overseas merchants via eBay or Amazon, foreign online stores such as Macy’s or when travelling overseas.

Some other cards on the market that offer no foreign exchange fees AND points-earn are the Bankwest Platinum and World MasterCards.

For example, say you spend $100 on an overseas purchase, the currency conversion fee on a points earning credit card is 3%, and the earn rate is 1 frequent flyer point per dollar spent – then you’d earn 100 points, with per point cost of 3c (equal to the 3% surcharge, of course).

Platinum Business Concierge Service.

Unlike other no annual fee credit cards, the 28 Degrees Platinum MasterCard comes with complimentary concierge service for all cardholders which is available 24/7 worldwide. The concierge will be able to help with such things as booking concert tickets, researching hotels or making dinner reservations.

To access this service, cardholders need to contact the 28 Degrees Platinum Customer Solutions line and ask for ‘concierge’.

28Degrees MasterCard Insurance.

The 28 Degrees Platinum MasterCard comes with a variety of insurance options, but which come at an additional cost. Esses incluem:

Price Protection , which gives cardholders who uses the card to purchase a product and then sees the price of that product from the same retailer fall within 6 months after the purchase date, get a refund of the difference back on the card. The cost of this protection is 0.5% of the monthly closing balance Merchandise Protection , covers purchases bought on the card if it is lost, stolen or damaged within 6 months from the date of purchase. Stolen Card Protection , which provides for a $200 payment if the card is stolen, simply for the inconvenience. Repayment Cover , which pays 10% of the monthly closing balance while the cardholder is off work, up to a maximum of 3 years. Life Cover , where the balance of the card is paid in full should the cardholder die, up to a maximum of $20,000.

The card also partners with Southern Cross Travel Insurance, where cardholders are invited to ‘get a quote’. It is however not clear if there are any benefits for cardholders by getting cover from Southern Cross instead of other providers. You can read the 28 Degrees Mastercard PDS here.

This guide references some of the benefits of insurance policies provided with this card.

You should read the PDS and obtain independent professional advice before obtaining this product.

Are there any downsides to the 28 Degrees MasterCard?

The main weakness of the card is that there is no rewards program attached to it. This could be considered the cost of a card that offers no currency conversion fees – but for holders of frequent flyer-linked cards who spend big on their card while overseas, the benefits of points accrual could outweigh the savings from no currency conversion fees.

The ATM fee also means that you won’t want to be making too many small withdrawals otherwise the fees can add up.

28Degrees charge interest on cash advances (for when you draw cash out of an ATM), set at 21.99%, plus the greater of $4 or 3% of the cash advance total. As a result you’re going to want to pay off that cash advance as soon as you can to avoid incurring interest charges.

There is also the convenience factor of using just one (a frequent flyer linked card, of course) rather than mixing and matching for different purposes – but this is what banks are counting on when you use a card with an overseas transaction fee.

All up, using a points-earning card vs a no foreign exchange fee card will be an individual decision, but one that should be considered.

Card Owner Foreign Exchange Feedback.

Check out the Point Hacks Facebook page for some feedback from existing users on the card.

Most were very satisfied with the card’s consistently good exchange rates, ease of use, and card features such as chip/paypass/strip which allows one to use it on just about every situation. Another advantage is the Buyer protection, it is calculated based on the amount owed and if you pay your balance every month, you end up getting insurance on your purchases for free.

Although this card is a good choice for overseas travel, keep in mind that there is no complimentary travel insurance included and it charges Cash withdrawals fees. Another downside according to one user is that they are relatively strict in their credit limits.

Also, make sure to always pay in foreign currency when overseas and avoid using Australian Dollars converted at unfavourable rates by local merchants to take advantage of MasterCard’s wholesale FX rates.

Summing Up.

If you’re likely to make plenty of overseas purchases, then this is worth considering. While cardholders are still exposed to fluctuating currency rates, there is no additional charge for the currency conversion to take place, providing material savings to the cardholder that can otherwise be spent on other purchases closer to home.

The catch is that the more you spend on overseas purchases, the more frequent flyer points that you will be foregoing from using a points earn credit card.

Overall however, this card provides healthy competition in the marketplace given its unique position of offering low fees in combination with a few perks generally reserved for higher fee Platinum cards.

Check out our list of credit cards with no overseas transaction fees.

Home / Card Guides / 28 Degrees Platinum MasterCard.

Compartilhe este artigo.

Who wrote this article?

Keith started Point Hacks in 2011 to help people earn more points and use them for better travel, and now Drive Zero , to help Australian's learn more about electric cars. You’ll find Keith in Sydney’s Northern Beaches - unless he's travelling.

Keith can also be found on Twitter: pointhacks.

Point Hacks Credit Card Information.

Point Hacks is published by Point Hacks Australia Pty Ltd (ACN 622 987 160), a corporate authorised credit representative (Number: 504786) of MSC Advisory Pty Ltd ACN 607 459 441 (Australian Credit License: 480649). In some instances, Point Hacks Australia Pty Ltd receives a commission or benefit for referring you to the services of a credit provider. This commission or benefit is disclosed at the point of referral to the credit provider. This website does not provide credit, assist you in obtaining credit, or advise you to apply for any particular product from a provider.

We have not taken into consideration your personal circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.

While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.

Comments Expand Comments.

Useful piece for my comparisons!

I was trying to find their website main page on here but couldn’t. It’d be good if you added a link to the site where the details are and where people can apply?

I’ve got the card now and it’s been good for cash loading and quick repayment actually!

Hey Craig – there should be a ‘find out more or apply link’ in the guide above – you’re not seeing it?

Without a bsb (can’t locate one) how can you pay onto without doing bpay?

So it’s not really free anymore, cos of this Payment Handling Fee.

0.95 or $2.50 if you pay in person.

Please note they are now charging a $0.95 online payment fee (e. g. when you pay your card via BPAY)

“Also, make sure to always pay in AUD when overseas and avoid using another country’s local currency to take advantage of MasterCard’s wholesale FX rates.”

Shouldn’t that be the opposite? Paying in AUD will wipe out the benefit of the card since it’s the merchant’s bank that will convert the local currency first, using their inflated rate, and then (over)charge you the resulting amount in AUD.

Thanks, bad typo corrected!

The 28 Degrees Mastercard is a great card, we’ve had it for years and use it frequently while travelling. The main downside is that their fraud protection program is very antsy and any high amount transactions and/or transactions on potentially high risk website (such as the tickets sales for French TGV or Swiss rail) are usually immediately declined. We can get around this by phoning the 28 degrees team ahead of time to notify them of the transaction - but they are only open during Australian weekday business hours which is not always practical. Having said that, it saves us hundreds of dollars in fees every trip for restaurant and supermarket purchases and is our go-to card for overseas credit card purchases wherever possible. The other point to make is that the fee for ATM withdrawals is significant with 28 Degrees so we use instead an ING Orange Everyday visa debit card account – they charge the single fee of $2.50 from their end (with no foreign exchange fees) plus any overseas bank ATM fees only. How good is that?!

I picked up one of these cards before setting off on a 12 months overseas trip. It served me beautifully and, in answer to the question above, the exchange rates were very fair – generally within about 1% of the exchange rate midpoint.

The only catch was that half way through the trip they introduced a hefty cash advance fee (even if you preloaded the card to put it in credit) so I loaded up my Citibank account and switched to the Citibank debt card for ATM cash advances, as the Citibank Plus account doesn’t have any overseas fees either.

For regular purchases, though, I stuck with the 28 Degrees card throughout my travels and it was fantastic.

In sum, my advice to anyone undertaking significant overseas travel is to:

(a) get a 28 Degrees card for regular purchases; e.

(b) open a Citibank Plus account, which has no fees, and load it with cash for ATM withdrawals overseas.

Obrigado pela excelente informação. Im also in the same boat.

My question is why can’t you just use the Citibank Plus account for everything including regular purchases.

You can – but then you need to put more money into your Citibank account. I preferred to just have a bit in there and pay my expenses on a credit card, which I can pay off once a month.

Awesome thanks ash.

Whilst there’s no foreign currency “fees”, I’ve noticed with a few others they offer a conversion rate at much lower than the going rate. Is this the case with 28 Degrees?

I don’t have personal experience with their rates (anyone else?) but on other similar cards in the past I’ve noticed approaching a 1% difference to a spot rate quoted online. So there are still some margins floating around in there, probably on the MasterCard side, rather than the bank. Not sure how 28Degrees calculate their rates though.

Thanks for the article, I have been a user of this card for a little over 3 years now. Now I am on the Amex points bandwagon generally I would rather accrue points (given the overseas multiplier) where possible and cop the conversion fee but still definitely a great card to have in your wallet when traveling especially as a back up card for places not taking Amex or if you are not points hungry.

The best benefit it used to have was for cash as I also used to load it up in credit and then withdraw cash from ATM’s with no conversion or 28D atm fee (exluding a $2 fee from the overseas ATM) but unfortunately about a year ago they introduced the cash advance fee for credit withdrawals which they never used to do so that’s now a bust and I use a Citibank Plus account for fee free overseas cash instead.

Whilst not a true Credit Card, the Citibank Plus Visa debit card also has no foreign transaction fee’s for ATM withdrawal or Visa debit purchases.

Thank you Keith, your email was very timely as I have applied for this card last week.

Your synopsis of it was great and it concreted my reasons for applying.