Is 28 Degrees Platinum MasterCard right for you?
Spend freely anywhere
Shop worldwide with no international transaction fees on purchases or currency conversion fees.
24/7 worldwide concierge
At your service
Whatever you need to make your trip that little bit more special – from booking concert tickets to researching the right hotel – our concierge staff will work tirelessly to get the job done.
Simply call the 28 Degrees Platinum Customer Solutions line on 1300 552 079, ask for the 'concierge' and tell them what you’re looking for. They’ll then come back with a range of options and costs.
If you’re happy to proceed, they’ll make the arrangements. It’s that easy.*Subject to the 28 Degrees Platinum MasterCard Conditions of Use.
Ideal for online shoppers
All your travel benefits apply online so you can shop freely wherever you want.
Safeguard your spending
Take the worry out of travelling with our award winning 5-star travel insurance partner, Southern Cross Travel Insurance. We’ve been awarded for outstanding value for International Travel Insurance each year since 2009, so you’re in safe hands.
When travelling overseas, we cover your overseas medical and dental expenses, lost or stolen luggage, travel delays and more.
Plus, with our 24-hour worldwide emergency assistance hotline, help is only ever a phone call away should you experience any difficulties on your trip.
Shopper’s Protection Insurance
Shopper's Protection Insurance gives you the security that you could meet your 28 Degrees Platinum MasterCard monthly repayments if your income stopped and you were unable to work due to illness or injury, or involuntary unemployment.
You can enjoy the peace of mind of Price Protection and more for just 0.5% of your monthly closing balance, up to a maximum of $50 a month – so you’ll never pay more than that. It's automatically debited to your card account, so there aren’t any hidden or extra bills to pay and you’ll see the premium on your statement.
You can apply for Shopper’s Protection when you apply for your 28 Degrees Platinum MasterCard online, or you can call us on 1300 078 519 and ask to have Shopper's Protection Insurance added to your account.To see if Shopper's Protection is right for you, read the Combined FSG, PDS and Policy.
Interest rates and fees
|Paper statements||$2.50 per statement|
|International transaction fee||$0|
|Currency conversion fee||$0|
|Cash advance fee||$4 or 3% of the cash advance, which ever is greater|
|Payment handling fee||$2.50 (in person) Charged for each payment made in person
$0.95 (online) Charged for each payment made online (this excludes payments made via the Online Service Centre)
Making the most of your 28 Degrees Platinum MasterCard
There are lots of ways to make your 28 Degrees Platinum MasterCard work for you.Discover them all
Take advantage of 12, 18 and 24-month interest-free payments plans from a range of retailers.View offers
Find a participating store near you and start you interest-free spending spree today.Find a store
3 steps to enjoying your own 28 Degrees Platinum MasterCard
Check your eligibility and complete your application in less than 10 minutes.
Get your approval
We will give you a response on your application in under 60 seconds.
Get your card
If approved, you’ll be able to shop with your account number straight away.
Cover yourself with credit card insurance
To be eligible, you must be:
- At least 18 years of age
- A permanent resident of Australia
And make sure you provide the following:
- Driver’s licence, passport or proof of age card
- Details of your income, assets and liabilities
- Your employer's name and contact number
Frequently Asked Questions
Application and activation
Like most financial institutions, we work on a credit check system and we consider if the card is unsuitable for you given all the circumstances. We also need to make sure we are identifying the right person, to prevent fraud. We take many things into consideration when reviewing an application. And, while we don't disclose the specific details of our criteria, if you're declined we’ll let you know in writing.
If you apply online and provide all the necessary information, we can give an answer on your application within 60 seconds in most instances.In some instances further information may be required to process an application. If further information is required we will inform you during the application process.
You will need to activate your card before you start to use it. (This helps us ensure the right person has received your card). Don’t forget to sign your card immediately.To activate your card call 1300 552 079. When you are activating your card, please follow the prompts to select your own Personal Identification Number (PIN). After this your card will be ready for use.
Please call us on 1300 552 079 to activate your card and follow the prompts. When you are activating your card, please follow the prompts to select your own Personal Identification Number (PIN). After this your card will be ready for use.
Your credit limit
You’ll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. You should only receive one over limit alert between each statement period. There are no charges for going over your credit limit.We recommend checking your transactions and monitoring your balance via the Online Service Centre. If you’re not yet registered, register now.
If you apply online you’ll be notified of your credit limit when your application is approved.Your credit limit can also be found on the top right of your monthly 28 Degrees Platinum MasterCard statement. Alternatively, you can log onto the Online Service Centre to check it any time. It’s important to note that your credit limit can be different from your available cash limit.
Your available cash limit can be found under ‘Account Summary’ in the Online Service Centre. It’s also available on your statement. It’s important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.
Simply call us on 1300 552 079 to request an increase to your credit limit and if approved, your increase will take place immediately.If your personal circumstances have changed, and you wish to decrease your credit limit, please contact us.
Managing your account
The easiest way to change/update your contact details is through the Online Service Centre. Once logged in, you can change your details under Manage My Details. If you’re not yet registered, register now. Alternatively you can call us on 1300 552 079.
To share the convenience of 28 Degrees Platinum MasterCard with a family member or loved one, add an additional cardholder using our online application form.
You can make an insurance claim online or by downloading a form. Make a claim and find out more.
If you are having difficulty making your minimum monthly repayments please talk to us. The sooner you contact us, the more likely we will be able to assist you. Call us on 1800 220 718 (9am - 5pm, Monday to Friday AEST).