Learn about the 28 Degrees Platinum Credit Card in this review to help you decide whether this is the card for you.

TickNo annual fee
TickNo overseas purchases fee
TickNo currency conversion fee
TickNo foreign transaction fee
Tick55 days interest free
TickFree 24/7 concierge service
TickWorldwide emergency card replacement

28 degrees credit card

Learn More


Pros & Cons


Pros Cons
Check Mark Can have 9 additional cardholders Cross No introductory offers or rewards
Check Mark No overseas purchase fee, or currency conversion fee Cross High interest rates after the initial 55 days
Check Mark No foreign transaction fee Cross Minimum credit limit is $6000
Check Mark Free replacement card



Benefits of the 28 Degrees Platinum Credit Card



  • Chip and PIN
  • Completed fraud and protection and security
  • The Falcon – fraud anagement system
  • Mastercard secure code
  • Repayment benefits if something happens to you
  • Shoppers protection

Visa Icon Convenience

  • 24/7 access to your money via online and mobile banking
  • 9 additional cardholders


Savings Savings

  • No overseas purchase fee
  • No foreign transaction fee
  • No currency conversion fee
  • Free replacement card


More Benefits


Shoppers benefits cover* Shoppers benefits limit

 Price Protection

  • $600 per item
  • $2000 over a 12-month period

Merchandise Protection

  • $1,000 per item
  • $4,000 for loss or damage arising from a single cause or incident
  • $8,000 in any 12 month period

Stolen Card Cover

  •  $200 in any 12 month period


Repayment Benefits Cover* Repayment Benefits Limit

 Life cover

  • $20,000

Disability cover

  • $1,000 per month

28 Degrees will not make more than 36 monthly benefit payments over the life of the policy. 

Involuntary Unemployment Cover

  • $1,000 per month

28 Degrees will not make more than 12 monthly repayments for any one instance of involuntary unemployment, or 36 monthly benefit payments over the life of the policy. 




All prices are in AUD

Service fee Overseas withdrawal Foreign currency conversion
None None None
Account overdrawn Interest rate on purchases after 6 months Payment handling fee
$9 21.99% $2.50
Cash advance fee Late payment fee Foreign transaction fee
3% of amount or $4 $20 None



Other info:

  • Balance transfer rate p.a. for 6 months 4.99%
  • Minimum repayment amount – $30.00
  • Minimum repayment percentage – 2.5%



Case Study

Sophie and her husband frequently visit and travel the world in their retirement. Recently, they have been to Budapest, Paris, and Venice.

They were both using pre-paid travel cards for their trips, but found that some of them did not support their required currencies, charged them for overseas withdrawals, transactions, and to redeem their unspent funds when they returned home. They were tired of trying different cards, and wanted to find one that fitted them perfectly.

What they didn’t know was that there was an Award-winning credit card available to them that would take away all the hassle before they flew. A credit card that didn’t charge for overseas ATM withdrawals, transactions, or for any currency conversions, so they didn’t have to worry on their return home – all they had to do was pay off their balance.

All Sophie needs to worry about now is convincing her husband to go on another trip, ASAP!

How To Apply for the 28 Degrees Platinum Credit Card

28 degrees

Check Mark Open your 28 Degrees Credit Card online in less than 10 minutes

Visit 28 Degrees        Learn More


Recommended For You

The currency shop calculator

Currency Calculator: Australian Banks and Travel Money Specialists

This calculator helps you compare exchange rates and fees of banks and travel money specialists.


Currency Exchange

The Ultimate Guide to Currency Exchange

Find out the best ways to exchange money. We will show you the cheapest places to buy currency, where to find the best exchange rate and how to get your holiday money online or in store.


How to Compare Travel Cards

How to Choose a Prepaid Travel Card

We’ve had a good look through a dozen of the most widely used Travel Cards and came up with some tips that might save you some money.


Helping You Save Money on Currency

Buying travel money or transferring money overseas can be expensive and confusing. So how do you make the best choice and get the most out of your money?

An easy way is to use a comparison table for either international money transfers or currency exchange. These tables list and compare the banks with other large foreign exchange companies.

We’ve also put together tons of helpful videosguides and reviews that will help you make the right decision. You can work out a cheaper way of converting currency while still keeping your money safe.