Latitude 28 Degrees Global Platinum: Travel Without Fees Worldwide

Planning a trip abroad? The Latitude 28 Degrees Global Platinum credit card was created to make your travels more hassle-free by eliminating those hidden fees that can quickly add up.

To help you learn all the details about this card, including its advantages, benefits, basic requirements, and step-by-step instructions, we’ve prepared this comprehensive article for you.

Get to Know the Latitude 28 Degrees Global Platinum Credit Card

The Latitude 28 Degrees Global Platinum Credit Card is a product of Latitude Financial Services, one of Australia’s leading non-bank lenders.

This card is part of the Mastercard network, which means it’s widely accepted in millions of locations worldwide, from bustling city centres to remote countryside stores.

Designed with travellers in mind, this card is all about giving you the freedom to spend wherever your journey takes you, without the worry of additional fees tacked onto every transaction.

Whether you’re booking flights, paying for accommodation, or picking up souvenirs, the Latitude 28 Degrees Global Platinum ensures you’re not hit with foreign transaction fees or international ATM fees. It’s a card that keeps things simple, focusing on what matters most when you’re abroad, your experience, not your expenses.

Why is the Latitude 28 Degrees Global Platinum the Best Option?

The Latitude 28° Global Platinum Mastercard is a popular choice among Aussies, particularly those who love to travel or shop online with international retailers. Let’s dive into the key features and benefits to see if it’s the right card for you.

Key Features and Benefits

• Global Acceptance: As a Mastercard, the Latitude 28° Global Platinum is widely accepted at millions of locations worldwide, providing convenience and flexibility wherever you go.
• No International Transaction Fees: This card stands out by not charging fees for international transactions. Whether shopping online or travelling overseas, you’ll save compared to other cards that charge 2-3% per transaction.
• Fraud Protection: The card includes strong fraud protection measures, ensuring your transactions are secure no matter where you are. With zero liability for unauthorised transactions, you can shop with confidence.
• Up to 55 Days Interest-Free: You can enjoy up to 55 days of interest-free credit on purchases if you pay off your balance in full by the due date. This feature is beneficial for managing your cash flow without incurring interest charges.
• Complimentary Shopper’s Protection: You’re covered for lost, stolen, or damaged items purchased with the card. The price protection feature allows you to claim the difference if an item you bought drops in price within a specified period.
• 24/7 Global Service: Latitude offers 24/7 global service, making it easy to manage your account, report lost or stolen cards, or handle issues while you’re on the go.
• No Annual Fee: This card comes with no annual fee, making it a cost-effective option for both occasional and frequent travellers.

Considerations Before Applying

While the Latitude 28° Global Platinum has many advantages, there are some points to consider:

No Rewards Program: Unlike some other cards, the Latitude 28° Global Platinum doesn’t come with a rewards program, focusing more on fee savings than earning points or cashback.

Cash Advance Fees: While the card doesn’t charge for foreign transactions or ATM withdrawals from your available balance, a cash advance fee applies if you withdraw money from your credit line.

High Interest on Cash Advances: If you don’t pay off your balance immediately after withdrawing cash, high-interest charges can quickly add up.

This is What You Need to Apply for the Latitude 28 Degrees Global Platinum Credit Card

To apply for the Latitude 28° Global Platinum Mastercard, you must:

• Age: Be at least 18 years old.
• Residency: Be an Australian citizen or permanent resident.
• Credit History: Have a good credit score, as this is typically required for premium credit cards.

This is What You Must Do to Apply for Your Latitude 28 Degrees Global Platinum Credit Card

Applying for the Latitude 28 Degrees Global Platinum is a straightforward process. You can request the card through the website or app.

Applying via the Latitude Financial Website:

1 – Visit the official Latitude 28 Degrees Global Platinum website:.

2 – Click ‘Apply Now’: When you’re ready, click the ‘Apply Now’ button.

3 – You’ll be taken to a page with a summary of all the information about the card. Read it carefully and make sure this is the right card for you. Then click ‘start application’ to begin your application.

4 – Complete the Online Application Form: You’ll need to provide personal details such as your full name, date of birth, address, and employment information. Additionally, you’ll be asked to share details about your income and any existing financial commitments.

4 – Submit Your Identification Documents: To verify your identity, you’ll need to provide valid identification, such as a driver’s licence or passport.

5 – Review and Submit: Before submitting, make sure all the information is accurate. Once you submit your application, Latitude will review your details and conduct a credit check.

6 – Await Approval: If everything checks out, you should receive your Latitude 28 Degrees Global Platinum Card in the mail within 5 to 10 business days.

Applying via the Latitude App:

1 – Download the App: Install the Latitude App from the App Store or Google Play:

2 – Create a Latitude ID: Set up your Latitude ID within the app.

3 – Link Your Card: If you already have a Latitude card, you can link it here; if not, proceed to the application section.

4 – Start the Application: Navigate to the credit cards section and select the Latitude 28° Global Platinum Mastercard.

6 – Fill Out the Application: Provide the necessary personal and financial information.

7 – Submit and Await Confirmation: Once submitted, you’ll receive a response shortly.

Both methods are user-friendly and designed to make the application process quick and straightforward.

The Latitude App

Managing your card is easier with the Latitude App. You can create a Latitude ID, link your card, and make payments via bank transfer. Payments made through the app don’t incur a fee, but note that they can take up to three business days to clear.

Exclusive Offers

• Expedia and Wotif Discounts: Enjoy a 10% discount on selected hotels when you book with your Latitude 28° Global Platinum Mastercard before 30 September 2024.
• Flexiroam: Stay connected with Flexiroam, receiving 3GB of free data for 15 days, and a 15% discount on additional data purchased with your card

Rates and Fees

One of the biggest draws of the Latitude 28° Global Platinum Mastercard is its lack of international transaction fees. However, it’s important to be aware of other costs:

• Balance Transfer Fee: Up to 3% of the transferred amount.
• Monthly Card Fee: From 17 September 2024, an $8 monthly card fee will be introduced.
• Cash Advance Fee: A fee of 3.5% of the transaction or $4 (whichever is greater) applies.
• Interest Rates: If you carry a balance, interest will be charged at a standard rate of 27.49% p.a. on purchases.
• Late Payment Fee: Make sure to pay on time to avoid the $45 late fee.