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Latitude 28° Global Platinum Mastercard
3.3
Highlights
- Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 28 August 2025. Get a bonus $100 in Latitude Rewards when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
- Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
- There are no foreign transaction fees for purchases during travel or online shopping.
- Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.
*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 28 August 2025. Minimum spend applies.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
9
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase Date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
6.99%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
3%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
85%
Balance Transfer Revert Rate
29.99%
Rates, fees, charges
Cash advances
Cash Advance Rate
29.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
27.99% p.a.
Account fees
Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$96.00
Dishonour Fee
N/A
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$45.00
Rewards
Rewards program basics
Rewards Program
Latitude Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Best travel card in Oz!
Reviewed by Ryan
Best card when travelling
Reviewed by cherylh
Love this card
Reviewed by Macca
28 degrees of ease!
Reviewed by Dave
Quite happy with this card
Reviewed by Alison
Fairly pleased with the card
Reviewed by Clinton Koch
Still the cheapest for travel
Reviewed by Neil
Extremely high interest rates stung me
Reviewed by Ali
Interest rate is high now
Reviewed by Joanne
Very convenient card for overseas purchases
Reviewed by Priska
Great card for using overseas
Reviewed by Hugo
Good for holidays
Reviewed by Nok
Useful card and handy for overseas purchases
Reviewed by Paul
Best card on the market
Reviewed by Reg
Great card for travelling overseas
Reviewed by Alyssa
Great for online and overseas purchases
Reviewed by Dale
The card for me
Reviewed by Eric
Great for use overseas
Reviewed by Leah
Good for overseas travel
Reviewed by Davin
No international transaction fees
Reviewed by M
Best card around, perfect fit for my needs!
Reviewed by Kimberly
No international transaction fee
Reviewed by Syl
Fast, uncomplicated approval process
Reviewed by dominic schipano
Go Card
Reviewed by Debbie
Great for overseas purchases and/or travelling
Reviewed by Karen
Best card for overseas purchases
Reviewed by Michael
Good for overseas travel but no rewards
Reviewed by Sue
Useful for overseas purchases
Reviewed by Anna
It has all the benefits I need
Reviewed by mohammed i
No currency conversion fees
Reviewed by Jason
Exchange rate not what I expected
Reviewed by S
Best travel card
Reviewed by Roz
Simply the best
Reviewed by Reg
Best travel credit card out there!
Reviewed by Kyria
Great card for overseas travellers
Reviewed by Marion
Good for travel but high interest rate
Reviewed by Jay
Great card for overseas travel and security
Reviewed by Liz
Problems understanding service operators
Reviewed by Roswitha
Good choice for low-cost travel money
Reviewed by Claire
No annual fees, accepted everywhere
Reviewed by Amanda
Service staff helped me get a refund overseas
Reviewed by Sue
Excellent for foreign purchases
Reviewed by L
No yearly fee, no international transactions fees
Reviewed by M
Good for foreign purchases
Reviewed by Andrew
Quick, simple application and approval
Reviewed by Courtney
Very expensive fees
Reviewed by Paul
Great for overseas travel, annoying BPAY charge
Reviewed by Emma
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