Imagine booking your next getaway, shopping from an overseas retailer or enjoying a meal abroad without paying an international transaction fee on your purchases.
The Latitude 28° Global Platinum Mastercard offers exactly that, along with rewards on eligible spending and a first-year annual fee waiver for new customers.
If you’re considering a credit card apply online option for travel, this card deserves a closer look, especially if you can pay your balance in full and avoid its high purchase interest rate.
Latitude 28° Global Platinum Mastercard: the best credit card for international purchases and travel rewards
Why let foreign transaction fees eat into your holiday budget? The Latitude 28° Global Platinum Mastercard is a compelling travel credit card for Australians who regularly travel overseas or shop with international retailers.
With $0 international transaction fees and $0 currency conversion fees on purchases, you can focus on enjoying your experiences rather than paying additional card charges.
There’s another reason to pay attention. Eligible cardholders can earn $10 in Latitude Rewards each month by spending at least $1,000 on qualifying purchases.
That’s potentially $120 annually in rewards, redeemable for e-gift cards from participating retailers. For new customers who also spend the equivalent of AUD $1,000 monthly on eligible international purchases, an additional $10 reward may be available.
That means this international credit card could deliver up to $240 in annual rewards when all relevant conditions are met.
The value becomes even more interesting when you consider the annual fee. Eligible new customers receive a $0 annual fee for their first year, while spending at least $12,000 on eligible purchases annually can unlock subsequent annual fee waivers.
Combine that with up to 55 interest-free days on purchases, subject to repayment conditions, and this travel credit card offers a practical combination of flexibility and rewards for disciplined spenders.
Is a Latitude credit card worth it?
Latitude Financial Services is an established Australian consumer finance provider offering credit cards and other financial products.
Its 28° Global Platinum Mastercard has earned recognition through four WeMoney Travel Credit Card Awards, including Travel Credit Card of the Year, Best for Value, Best for Quality and Outstanding Customer Service.
For anyone comparing travel credit cards, these distinctions provide another reason to examine the product’s benefits and conditions.
Beyond the awards, the card focuses on everyday practicality. Mastercard exchange rates, no foreign transaction fees on purchases and access to Latitude Rewards can make international spending more appealing.
The online application is designed to take approximately 10 minutes, with Latitude advertising a response in around 60 seconds.
If you’re looking to apply for credit card products online, the convenience is attractive, although the response is not a guarantee of approval and the 28.99% p.a. purchase rate makes careful repayment planning essential.
What are the eligibility requirements for a Latitude credit card?
To apply for the Latitude 28° Global Platinum Mastercard, you’ll need to meet the following eligibility criteria:
- Be at least 18 years old.
- Be an Australian resident or a temporary resident legally entitled to work in Australia.
- If you’re a temporary resident, intend to remain in Australia for at least the next 12 months.
- Provide a copy of your driver’s licence, passport or proof of age card.
- Supply details of your income, assets and existing debts.
- Provide your employer’s name and contact details.
- Meet Latitude’s credit assessment requirements for a minimum credit limit of $1,000.
Meeting the eligibility requirements does not guarantee approval. Latitude will assess your application and financial circumstances before making a lending decision.
How to apply for the credit card
- Step 1: Visit the official Latitude 28° Global Platinum Mastercard website.
- Step 2: Review the card’s fees, interest rates, rewards and annual fee waiver conditions.
- Step 3: Select the online application option to begin.
- Step 4: Enter your personal details, residency information and employment details.
- Step 5: Provide the requested information about your income, assets and debts.
- Step 6: Review and submit your application. Latitude advertises a response in approximately 60 seconds, although additional assessment may be required.
- Step 7: If approved, wait for your card to arrive and follow the activation instructions before making purchases.
Frequently asked questions
How does interest work on the Latitude 28° Global Platinum Mastercard?
The Latitude 28° Global Platinum Mastercard charges 28.99% p.a. on purchases and 29.99% p.a. on cash advances.
Eligible purchases may qualify for up to 55 interest-free days, provided you meet the applicable repayment conditions, including paying the required statement balance in full by the due date.
Cash advances are subject to a fee of 3.5% of the transaction amount or $4, whichever is greater.
Balance transfer rates, promotional periods and fees depend on the specific offer presented to you. Balance transfer fees may be up to 3% of the transferred amount or as specified in the applicable offer.
How can I increase the credit limit on my Latitude 28° Global Platinum Mastercard?
If you’d like to request a higher credit card limit, contact Latitude Financial Services through its official customer service channels or check the available options in the Latitude Service Centre.
Latitude may review your income, existing financial commitments, repayment history and overall creditworthiness before deciding whether to approve an increase.
The card has a minimum credit limit of $1,000, but any increase is subject to Latitude’s lending criteria and approval.
How can I pay my Latitude 28° Global Platinum Mastercard statement?
Latitude provides several payment options, including direct debit and payment methods available through the Latitude Service Centre.
Some payment methods attract additional fees:
- Online payment handling fee: $1.95, where applicable.
- In-person payment handling fee: $3.95.
- Direct debit: An available alternative for avoiding the stated payment handling fees.
- Payment by mail: Another option listed by Latitude for avoiding these fees.
Always check the payment instructions on your statement and allow sufficient processing time to ensure your payment arrives by the due date.
How can I cancel my Latitude credit card?
To cancel your Latitude 28° Global Platinum Mastercard, contact Latitude Financial Services and request account closure.
Before proceeding, review any outstanding balance, pending transactions, recurring payments or fees associated with your account.
If you’ve earned Latitude Rewards, check the applicable redemption conditions before closing the card, as account closure may affect your ability to use outstanding rewards.
Follow Latitude’s account closure instructions and request confirmation once the process is complete.