28 Degrees MasterCard

    28 Degrees MasterCard Features

    28 Degrees MasterCard is an international credit card that will open the doors to a world of possibility. Intuitively designed for both travel and online shopping, the 28 Degrees MasterCard is the perfect credit card for globehoppers and globeshoppers1.

    Travel the world with ease

    • No overseas cash withdrawal fees²
    • No annual fee
    • 24 hour online service centre

    Shop the world online

    • No currency conversion fees
    • No international transaction fees
    • Fraud protection
    28 Degrees Credit Card Features

    Features available to 28 Degrees cardholders.

    Lose the fees

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

    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

    Secure and Convenient

    • CHIP technology
    • Fraud protection
    • Secure 24 hour online service centre

    MasterCard Paypass™

    • Contactless transaction technology with MasterCard PayPass™
    • No need to swipe, sign or enter a PIN for purchases under $100
    28 Degrees Credit Card Features
    Ready to go with 28 Degrees MasterCard? Apply Now

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

    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.