Latitude 28° Global Platinum Mastercard
Best for: Frequent overseas spenders and online shoppers buying in foreign currencies
Pros
- Free in the first year, and waived later if you spend A$12,000 a year
- Among the cheapest cards for overseas ATM withdrawals
- Accepts a wider range of credit profiles than big-bank platinum cards
Cons
- High purchase rate and a monthly fee if you carry a balance
- No rewards
- Interest applies to ATM withdrawals from the withdrawal date
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The 28° Global Platinum was built for international spending: no foreign transaction fees, no international ATM withdrawal fees from Latitude, and a free Flight Delay Pass that gives you lounge access when a flight is delayed two hours or more. There is no annual fee, though Latitude charges a monthly fee in months where you carry a balance — so pay in full and the card costs nothing.
Latitude 28° Global Platinum Mastercard at a glance
| Issuer | Latitude Financial |
| Card network | Mastercard |
| Annual fee | A$0 in the first year, then A$8 a month unless you spend A$12,000 a year |
| Rewards rate | None |
| Welcome bonus | None |
| Intro APR | None |
| Purchase rate | 27.99% p.a. (variable) |
| Foreign transaction fee | None |
| Credit needed | Fair to good |
| Airport lounge access | Flight Delay Pass when flights are delayed 2+ hours |
| Best for | Frequent overseas spenders and online shoppers buying in foreign currencies |
Rewards & perks
- No foreign transaction fees and no Latitude ATM fees overseas
- Flight Delay Pass lounge access for you and travelling companions
- Free global Wi-Fi passes through Boingo
Pros
- Free in the first year, and waived later if you spend A$12,000 a year
- Among the cheapest cards for overseas ATM withdrawals
- Accepts a wider range of credit profiles than big-bank platinum cards
Cons
- High purchase rate and a monthly fee if you carry a balance
- No rewards
- Interest applies to ATM withdrawals from the withdrawal date
Who should apply
- Australian residents aged 18+ with a fair-to-good credit history
- Travellers and expats who spend regularly in foreign currencies
- Anyone disciplined about paying the full balance monthly
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Latitude site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar Australia cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Latitude 28° Global Platinum MastercardFrequent overseas spenders and online shoppers buying in foreign currencies |
A$8/mo | None | None | None | Fair to good | |
Bankwest Zero Platinum MastercardOverseas spending with no annual fee and no foreign transaction fees |
None | None | 0% on balance transfers for an introductory period on some o… | None | Good | |
Westpac Altitude Black Credit CardFlexible points that transfer to several airline programmes |
A$295/yr | 3, 2 or 1 Altitude Points per A$1 depending on the purchase category (… | None | 3% | Good to excellent (minimum inc… |
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