28 Degrees Platinum Mastercard
28 Degrees Platinum Mastercard ®

The platinum credit card with
no annual fee.

Apply now

Credit Card Details

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Save On Fees Without Leaving The Couch

No need to travel to benefit!
Bag a bargain online without paying more than the price tag –
no overseas fees on purchases.

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Platinum Card Without Excess Baggage

No annual fee
No currency conversion fees
No overseas fees on purchases
No foreign transaction fees

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Your Own Personal Assistant 24/7

Access your complimentary concierge service 24/7 to help with holidays, restaurant bookings, tours and more.

Features & benefits

Complimentary worldwide concierge Available 24/7
Interest free days on purchases Up to 55 days1
Worldwide emergency card replacement Free
Minimum credit limit $6,000

Rates & fees

Annual fee $0
International transaction fees on purchases Nil
Currency conversion fees Nil
Interest rate on purchases 21.99%
Interest rate on cash advances 21.99%
Cash advance fee 3% of the cash advance or $4 (whichever is greater).
Payment handling fee $2.50 (in person)
$0.95 (online) This excludes payments made via the Online Service Centre.
Late fee $20
Paper statement fee $2.50

insurance options

Get protection on 28 Degrees Platinum Mastercard purchases

Shopper's ProtectionHide

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.

We also provide cover against loss or damage for the things you buy, even against certain price reductions. Here’s how this part of the cover works:

  • Price Protection means never having to miss out on the sales again. If you buy something with your 28 Degrees Platinum Mastercard and you see its dropped in price at the same retailer anytime in the first 6 months after you bought it, we’ll pay the difference in price back onto your card. So the more you claim the more you can save.
  • Merchandise Protection covers the things you buy on your card if it is lost, stolen or damaged within 6 months from the date of purchase, we'll pay for the cost of repair or replacement to your account.
  • Stolen Card Protection: If your 28 Degrees Platinum Mastercard is stolen, we'll pay $200 to your account - just for the inconvenience.
  • Repayment Cover: Pays 10% of your monthly closing balance while you're off work, for up to a maximum of 3 years if you can't work due to illness or injury and for up to a year if you're unemployed.
  • Life Cover: If you should die, we'll pay the balance in full - up to $20,000.

Affordable Protection

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.

Apply for Shopper's Protection

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.

Travel insuranceHide

28 Degrees Platinum Mastercard takes the worry out of travelling for you. With our award winning 5 star travel insurance partner, getting insured has never been simpler and is also great value for money.

When travelling overseas, we’ve got the travel insurance cover to suit your needs. 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.

Southern Cross Travel Insurance

Our travel insurance partner, Southern Cross Travel Insurance, has won the Canstar award for outstanding value for International Travel Insurance each year since 2009. They have also won the 2014 and 2015 Mozo Experts Choice award along with the Mozo People’s Choice award for 2015.

Get a quote

Make a claimHide

Find out how to make a claim including with our online claim forms.

Make a claim

Complimentary Concierge

28 Degrees Platinum Mastercard provides a complimentary concierge service for all cardholders which is available 24/7 worldwide.

What can concierge help with?

Just about anything that you need researched or organised*. From booking concert tickets to researching available hotels or making dinner reservations, our concierge staff will customise their service to meet your needs.

Simply call the 28 Degrees Platinum Customer Solutions line on 1300 552 079 and ask for 'concierge'. Then just tell them what you're after. They’ll undertake a search, provide options and costs and then, if you’d like to proceed, will make arrangements on your behalf. It’s that easy!

*Subject to the 28 Degrees Platinum Mastercard Conditions of Use.


Use your 28 Degrees Platinum Mastercard with confidence

At 28 Degrees Platinum Mastercard we are committed to keeping our customers safe and secure by utilising some of the best people, processes and technology available.

Protecting your accountHide

We are committed to keeping our customers safe and secure by utilising some of the best people, processes and technology available. Here are some of the ways we help keep you safe and secure:

  • Complete fraud protection & security – Your 28 Degrees Platinum Mastercard is protected by robust card security measures – on the card itself, whenever you shop and when you access your account.
  • Chip protection – The in-built chip in your 28 Degrees Platinum Mastercard provides increased protection against fraud, reducing the chance of your personal details being copied if your card is lost or stolen.
  • Fraud management – The Falcon™1 fraud management system identifies unusual activity on your credit card. As soon as a suspect transaction is detected, our card security experts are alerted so they can review it and take any necessary action.
  • Protection against ID theft – All customer applications are screened for potential ID theft. Rest assured, we will proactively alert you in any risk-related instance.
  • Skilled Fraud Solutions Team – In the unfortunate event of a fraudulent transaction on your account, our Fraud Solutions Team will work with you to resolve the matter as quickly as possible.
  • Immediate fraud contact systems – If we detect a possible fraudulent transaction on your account we will confirm the transaction with you by SMS or phone, giving you an added level of security against fraudulent transactions. If you have any concerns about fraudulent activity, please contact us on 1300 552 079. If your card is lost or stolen, call us immediately on 1800 005 809 (24 hours a day, 365 days a year). If overseas, contact us on +61 1800 005 809 or call Mastercard Global Service on +1 636 722 7111.
  • Mastercard® SecureCode™ - Mastercard SecureCode is an additional layer of security that verifies your online purchases in real time. This verification helps to reduce credit card fraud and unauthorised credit card use.

Protecting yourself from fraudHide

Here are some important tips you can follow to help protect yourself from transaction fraud:

  • Always sign your card as soon as you receive it and know where your card is at all times
  • Select a PIN that’s easily remembered only to you and never write it down
  • Regularly check your account statements to ensure there are no unauthorised transactions present
  • Never use an EFTPOS Terminal or ATM if you believe it has been tampered with
  • Ensure your contact details remain up to date with us
  • If your card expires or you do not wish to keep it, cut through the signature panel and magnetic strip before disposing
  • Always keep your card in your possession/sight

Security overseasHide

If you are planning to go overseas with your 28 Degrees Platinum Mastercard, it’s always a good idea to call in and let us know when and where you are travelling. This will allow us to update our systems and help prevent the inadvertent blocking of any legitimate transactions you make while travelling.

Online shopping with Mastercard secure codeHide

Mastercard SecureCode – is a new security measure that verifies your purchases in real time, whenever you shop online. Verification helps to reduce credit card fraud and unauthorised credit card use.

Mastercard SecureCode adds an extra layer of protection by helping to confirm your identity through either a security code or through security questions, during select online transactions. Mastercard SecureCode lets you enjoy extra security and peace of mind when shopping online at participating merchants.

Using Mastercard SecureCode

Mastercard SecureCode performs a real-time risk assessment on transactions made at participating online retailers. In most cases you won't notice any change, however, on some transactions we may prompt you to enter a six-character security code, which will be sent to you instantly via SMS. This is to ensure that the transaction you are about to make is authorised by you.

Protected by Mastercard SecureCode

When you correctly enter the security code (or answer the security questions) during an online purchase at a participating merchant, you confirm that you are the authorised cardholder and your purchase continues. If the security questions are answered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.

Impact of Mastercard SecureCode on your purchases

Aside from the added protection that Mastercard SecureCode provides, the only impact to your purchase will be that you will need to enter the security code (or answers to the security questions) when the authentication screen appears, and then wait a few seconds while your card issuer (GE Money) confirms your identity

Shopping at merchants that accept Mastercard but do not participate in the Mastercard SecureCode service

You can still make purchases at merchants that accept Mastercard but do not participate in the Mastercard SecureCode serice. You will not be asked to enter a security code (or answer security questions) at these merchants. To complete your purchase, simply follow the traditional checkout process.

Mastercard SecureCode authentication screen

The authentication screen may appear when you are shopping online at participating Mastercard SecureCode merchants. Once you have confirmed your identity by correctly entering either the security code (or answering the security questions) that are on the page, you will be able to continue with your purchase.

If you do not receive a security code

If you don't receive a security code, this may mean that the mobile number that is registered to your account is not up to date. You can still proceed with your transaction by selecting the button "I didn't receive a code" which will direct you to the security questions that are personal to you and your account. Once you have answered the security questions correctly you will be able to continue with your purchase.

Update your mobile number

To update your mobile number please visit the Online Service Centre or contact the Customer Solutions team on 1300 552 079.

To complete a transaction you must confirm your identity?

If you are not able to confirm your identity through either the security code that is sent to your mobile or the security questions, unfortunately you will not be able to proceed with your purchase at this time

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1To take advantage of up to 55 days Interest Free on credit card purchases, you must pay the full balance of the account (excluding unexpired Interest Free promotional plans) both for the statement before the purchases were made, and for the statement on which the purchases are listed.

Approved applicants only. Conditions apply.

Shopper's Protection is issued by Hallmark General Insurance Company Ltd. ABN 82 008 477 647 AFSL 243478 and Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469. Any advice on this website does not take into account your personal objectives, financial situation or needs. You should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, and read the relevant Product Disclosure Statement (PDS) before deciding whether to purchase this product.