28 Degrees MasterCard

    Welcome to 28 Degrees

    It's the perfect place to spend a while. Perfect for sun-soaked trips to sand-stoned markets. Or finding there's a seat on the verandah of the best restaurant in town. Or discovering the surprises that wait around the corner of hidden shop-filled lanes.

    A place where you’re treated like a local. And you can relax as you have the right card. This card¹.

    International travel

    • No international transaction fees
    • No currency conversion fees
    • No overseas cash withdrawal fees²

    No fees

    • No annual fee
    • No cash withdrawal fees²
    • No fees for cash advances³

    Secure and Convenient

    • Contactless transaction technology with MasterCard PayPass
    • CHIP technology
    • Fraud protection
    • Secure 24 hour online service centre

    Interest Rates

    • Up to 55 days interest free on purchases³
    • The same 20.99% annual percentage rate for purchases and cash¹
    • 4.99% p.a. interest for six months from account opening on balances transferred4

    Want to know more? See Frequently Asked Questions for further information.

    Ready to go with 28 Degrees MasterCard? Apply Now
    28 Degrees Credit Card Features

    1 Approved applicants only. Conditions, fees and charges apply. For more information about fees and charges, go to the rates and fees page.
    2 For domestic ATM withdrawals, there is no ATM owner fee for cash withdrawals from Westpac ATM’s but you may be charged owner fees from non Westpac ATM’s. You will be advised of the charge at the time of the withdrawal. For overseas ATM cash withdrawals, you may be charged ATM owner fees but you will be advised of the charge at the time of the withdrawal.
    3 Cash advances are charged interest from the date of withdrawal. Interest free days on purchases apply if you pay your account in full by the due date each month.
    4 Balance transfer annual percentage rate applies for the first six months from the date the account is opened. The interest rate on the unpaid balance then reverts to the standard annual percentage rate. Interest free days on purchases do not apply while you have an outstanding balance transfer.


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    28 Degrees is a credit facility provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence Number 392145.