---
title: "Latitude 28° Global Platinum Mastercard — Latitude Credit Cards"
description: "Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/latitude-credit-cards/products/107798f7-b01a-4ba6-a934-caca8a2b4a80
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T13:36:27.891Z
---

# Latitude 28° Global Platinum Mastercard — Latitude Credit Cards

> Credit & Charge Cards from Latitude Credit Cards. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The Latitude 28° Global Platinum Mastercard offers $0 international transaction fees on purchases, $0 currency conversion fees, complimentary travel and purchase protection insurance, up to 55 days interest free on purchases when paid in full by the due date, and access to Latitude Rewards including cashback offers from partner merchants. Annual fee of $96 (waived for the first year). Minimum credit limit $1,000.

## At a glance

- **Purchase rate:** 28.99%
- **Annual fee:** $96.00

## Apply

Applications are handled by the provider: [Apply at Latitude Credit Cards](https://cards.latitudefinancial.com/28degrees)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (Always on BT - 0% for 12 months on Balance Transfers with a 3% BT fee.) | 0% | — | Promotional period 1–12 months |
| Purchase (28.99% p.a. interest rate on purchases.) | 28.99% | — | — |
| Cash advance (29.99% p.a. interest rate on cash advances.) | 29.99% | — | — |
| Balance transfer (29.99% p.a. interest rate on balance transfers.) | 29.99% | — | Ongoing revert rate 13+ months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee — Charged yearly · Annual fee of $96. Waived for the first year. · Discount −$96.00 — $96 annual fee is waived for the first year. · Discount −$96.00 — $96 annual fee is waived in the second and subsequent years if eligible spend in the prior 12 months is $12,000 or more (eligibility: Other: Must spend $12,000 or more on eligible purchases in the 12 months prior) | Ongoing | $96.00 |
| Late Fee — Fee charged when a minimum payment is not received by the due date. | Late payment | $45.00 |
| Payment Handling Fees — $3.95 (in person at Australia Post), $1.95 (online using BPAY®). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre. | Payment | $0.00 – $3.95 |
| International Transaction Fee — $0 international transaction fees on purchases. | Transaction | $0.00 |
| Paper Statement Fee — Charged daily · $5.00 paper statement fee. You can avoid this fee by opting to receive statements online via the Latitude Service Centre. | Ongoing | $5.00 |
| Balance Transfer Fee — Up to 3% of balance transfer amount or in accordance with the specific balance transfer offer. | Other | 3% of transaction |
| Additional Cardholder Fee — Charged every P0D · $0 additional cardholder fee. | Ongoing | $0.00 |
| Currency Conversion Fee — $0 currency conversion fees on purchases. | Other | $0.00 |
| Cash Advance Fee — 3.5% of the cash advance or $4 (whichever is greater). | Cash advance | 3.5% of transaction |
| Credit Balance Processing Fee — Capped at $19.99 · The amount will be the lesser of your balance or $19.99 | Other | $0.00 – $19.99 |

## Features

- **$0 Foreign Transaction Fee

Whether you're shopping online or abroad, you'll enjoy a $0 international transaction fee & great exchange rates.**
- **First year $0 annual fee

Plus, spend $12k yearly on eligible purchases to have your fee waived year after year6.Use our spend Tracker**
- **Get a bonus $260 in Latitude Rewards when you spend $2,200 or more each month for your first 3 months. New customers only, approved by 31 July 2026. Plus, get ongoing Latitude Rewards: Up to $240 each year when you spend $1,000 or more on eligible international and local purchases each month.**
- **Loyalty program** — Latitude Rewards (Enjoy everyday savings from groceries and dining to cinema and entertainment. Plus, earn cashback in Latitude Rewards when you shop Merchant Offers.)
- **Loyalty program** — Latitude Rewards (Earn $10 in Rewards each month when you spend $1,000 on eligible purchases. That's up to $120 per year! T&Cs apply.)
- **Loyalty program** — Latitude Rewards (New customers from 29/5/25 earn an extra $10 in Rewards, when they spend the equivalent of AUD $1,000 per month on international purchases.)
- **Free Flight Delay Pass & Global Data Roaming

Access to a selection of airport lounges if your flight is delayed 2+ hours. Stay in touch with 3GB free global data each year and 15% off any extra data purchased in 150+ countries. T&Cs apply.**
- **Unmissable every day and travel offers

Enjoy a range of credit back offers, discounts and deals from big brands at home and abroad, like Mastercard Priceless Specials, Expedia and Wotif.**
- **Balance transfers** (Balance transfers available.)
- **Additional cards** — up to 1 ($0 additional card holder fee. Share all the features and benefits without needing to open a second account.)
- **Top-rated app to complement your card
With a 4.8/5 App Store rating, the Latitude App helps you stay on top of payments and never miss a due date.**
- **Digital banking** (Digital banking available via the Latitude App and Latitude Service Centre.)
- **Card access** — Mastercard (Mastercard credit card access.)
- **Bill payment (BPAY)** — BPAY (Bill payment functionality available.)
- **Fraud protection** (Around the clock protection

Our specialist team protects your personal and financial information from fraud and identity theft.)
- **Great foreign exchange rates

Set by our partners at Mastercard. So you get foreign currencies at the same rate we do.**
- **Insurance included** — Complimentary protection for your shopping (Shop with confidence online and overseas with complimentary E-Commerce and Purchase Protection insurance.)
- **Interest-free period** — 55 days (Up to 55 days interest free on purchases if paid in full by due date.)
- **Balance transfers** (0% p.a. for 12 months Balance Transfer, 3% Balance Transfer fee and eligibility criteria applies.)
- **Digital wallet** — Apple Pay (Pay with your compatible iPhone)
- **Digital wallet** — Samsung Pay (Pay with your compatible Samsung phone)
- **Digital wallet** — Google Pay (Pay with your compatible Pixel phone)
- **Digital wallet** — Garmin Pay (Pay with your compatible Garmin device)
- **Interest-free transfers** — 1 year (Always On BT - 0% for 12 months on Balance Transfers with a 3% BT fee.)

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old.)
- **Residency status** — Australian resident (A resident of Australia or a temporary resident who legally has the right to work in Australia (and intend to stay) for at least the next 12 months.)
- **Able to supply identification and financial details
A copy of your driver's licence, passport or proof of age card. Details of your income, assets and debts. Employer's name and contact details.**
- **Minimum income** — $20,000.00 p.a. (To be eligible you must: Have an income of at least $20,000 gross per year, from employment or investments)
- **Credit history
To be eligible you must: Be able to demonstrate a good credit history for the last 5 years**

## Constraints

- **Minimum limit** — $1,000.00 (Minimum credit limit of $1,000.)
- **Minimum Monthly Payment

The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.50% of the closing balance, shown on your statement of account.

If your outstanding balance is less than $30, you must pay that balance.**

## More information from Latitude Credit Cards

- [Overview](https://www.latitudefinancial.com.au/credit-cards/28-degrees/)
- [Terms & conditions](https://assets.latitudefinancial.com/legals/credit-card-general-terms-and-conditions.pdf)
- [Eligibility](https://www.latitudefinancial.com.au/credit-cards/28-degrees/#eligibility)
- [Fees & pricing](https://www.latitudefinancial.com.au/credit-cards/28-degrees/#fees)

## Data provenance

- Published by Latitude Credit Cards under the Consumer Data Right
- Product ID: `107798f7-b01a-4ba6-a934-caca8a2b4a80`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/latitude-credit-cards/107798f7-b01a-4ba6-a934-caca8a2b4a80
- Provider page: https://www.cdrcompare.au/brands/latitude-credit-cards

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/latitude-credit-cards/products/107798f7-b01a-4ba6-a934-caca8a2b4a80) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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