28 Degrees - New $8 Monthly Fee (Effective 17/9/24). Alternatives?

ifcw on 07/08/2024 - 12:41
Last edited 09/08/2024 - 11:02 by 1 other user

Hey all,

Just got an email about the 28 Degrees Mastercard introducing a new monthly card fee of $8 per month, which is quite steep as I only use it for travel and YouTube Argentina.

Any other recommendations for alternatives?

28 Degrees Global Platinum Mastercard Credit Card Changes FAQs

Effective from Tuesday 17 September 2024, there will be some important changes to your Latitude 28° Global Platinum Mastercard credit card product. A card fee of $8 per month will be introduced and the interest rate on purchases will increase to 27.99% p.a. New features will be available including a new rewards program where you will be eligible for a $10 e-gift card every statement period when you spend $1,000 or more on eligible transactions within the statement period, and access to complimentary E-Commerce Protection Insurance and Purchase Protection Insurance.

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Comments

    • Nom on 22/09/2024 - 23:30

      Whatever debit card you choose, make sure it's connected to an empty bank account that you only load up when you need it.

      When your debit card is inevitably compromised, it's a massive pain in the ass when the scammers are emptying your main bank account, leaving you unable to pay your bills etc…

      • czechboi on 23/09/2024 - 09:13

        Thanks for the advice. At the moment I have the NAB replacement for Citi Bank and there is no cash sitting on that. I only move money to it when I need it 😊

    • watwatwat on 23/09/2024 - 22:47

      Apply to bankwest.

    • Desertsyd on 24/09/2024 - 00:07

      I got rejected by Bendigo, but not for employment stability.

      Bankwest was fine with my application. no insurance on purchases

      For me this card will be for overseas/online purchasing safety. aliexpress, ebay, amazon

    • Amazingly on 24/09/2024 - 08:33

      How do you test for serviceability?

      I’ve recently had 6 months off, leave without pay.

      Have already cancelled 28deg and planing to get 2 months payslips (paid monthly) before applying. Any idea if this will be a problem?

      • Desertsyd on 25/09/2024 - 14:23

        How do you test for serviceability?

        ¯_(ツ)_/¯ , each bank will have its own metric to rate applications, *just like vehicle insurance can wildly differ between providers*

  • dreamerman on 23/09/2024 - 08:05
    +1

    I dropped 28 degrees and went for Bendigo Bank.

  • richmond12 on 24/09/2024 - 13:04
    +1

    yeah the fee $8 came through dammit. anyone had any luck calling up and asking for 12m deal or waiver?

    • rmsprs on 14/10/2024 - 14:49

      I got charged today. Did you call and get a waiver?

  • axe on 26/09/2024 - 12:02
    +6

    As per Legoman suggestion on another thread, I emailed [email protected] this morning politely asking for the $8 per month waiver as I had not received any text message like others have. I received a reply within 2 hours saying they are applying a $96 credit to my account to offset the $8 per month for 12 month. Much easier than phoning them.

    • highwind on 26/09/2024 - 12:08

      NGL my first thought was "cancel the card after the credit for profit??" since I suspect most here would cancel once the waiver ends… XD

    • niyiaw on 27/09/2024 - 21:03

      Nice outcome. I've shot off an email. Hopefully get the same answer.

    • richmond12 on 30/09/2024 - 11:02

      i sent an email and havent got a reply back yet

      • niyiaw on 30/09/2024 - 12:59

        Neither… will give it another day…

      • cynical17 on 30/09/2024 - 13:05

        I emailed them on the same day as Axe, but only got a ticket 2 days later. Still awaiting a formal reply.

      • richmond12 on 01/10/2024 - 13:44
        +1

        I got the email. Yay.

        • kerfuffle on 01/10/2024 - 13:51

          When did you send the e-mail? I only sent mine off yesterday myself (however I'm asking it to be applied as an apology for closing my 28 Degrees when I requested my David Jones Mastercard be cancelled)

          • bluesky on 02/10/2024 - 16:43
            +1

            @kerfuffle: It may take a few days before they get back to you. I sent mine off on Friday, and only today I received their reply of crediting the 12 months worth of fees back.

            • Melbournian on 02/10/2024 - 17:20
              +2

              @bluesky: Same outcome for me.
              Email sent on Friday and reply received today for credit of 12 months worth of fees.

    • Ade99 on 22/10/2024 - 07:56
      +1

      Wrote my Legoman letter on Friday morning and got the standard 12 months of fees back on Monday evening. It seems there is still some fruit left in their money orchards. 12 months pause whilst deciding what I want to do next , and also let Bendigo Bank process all of their new applicants 🤔

      • GreenGuava on 22/10/2024 - 13:19

        Yes same here. Now that I've got ~a year of breathing space, I'm going to wait a few months for Bendigo Bank to clear their backlog before jumping ship

  • cyrax83 on 27/09/2024 - 18:18

    Finally got approved for my Bendigo card

    • Utsav23 on 28/09/2024 - 07:46

      Pls share your timeline. I applied on Aug 20 and am still waiting for the outcome.

      • cyrax83 on 28/09/2024 - 08:53

        Applied Aug 26

        • burningrage on 04/10/2024 - 00:10

          Applied Sept 10, still nothin. Looks like taking a month

    • burningrage on 27/11/2024 - 19:40

      After waiting for about 2.5mths, finally got… declined despite provisionally approved. 2nd time this is happening.

      Not even an apology after making people wait that long but anyway, I got my BankWest card instead.

  • kerfuffle on 03/10/2024 - 10:18
    +3

    After e-mailing on Monday, got a response today saying they'll waive the $8 monthly fee for twelve months

  • navshaf on 04/10/2024 - 11:30

    What are eligible transactions to qualify for 1000$ monthly purchases to get 10$ gift credit?

    • tqf8h on 04/10/2024 - 12:20

      Just got the $96 fee waiver email yesterday. Was wodnering what the qualifier is. I have some council rates coning up so wondering if that is eligible for the gift cards. If anybody knows, please let me know. I also have the 3 months interest free offer, so may take advantage of that too,

      • cynical17 on 04/10/2024 - 14:38
        +1

        I believe it's any transaction as long as your total is above $1000 a month, and all transactions must clear before the new statement is issued. i.e not pending. I used it to pay council rates last month and I got the gift card about 2 days after the new statement was issued.

        • grasstown on 04/10/2024 - 15:14

          Was the 17th sept during the statement month you got the $10 card for? I did 1000 during that statement but didn’t get the credit,

          • cynical17 on 04/10/2024 - 15:21

            @grasstown: I used my card on the 19th of September. It cleared about 2-3 days later. My new statement was issued on the 24th, then got the gift card around the 26th September.

            • grasstown on 04/10/2024 - 15:29

              @cynical17: Ok so you did the whole $1000 after the 17th?

              • cynical17 on 04/10/2024 - 15:40

                @grasstown: Yes that's correct, full spend was over $1000 after the 17th, but cleared before the statement issue date of the 24th of September.

                • grasstown on 04/10/2024 - 16:34

                  @cynical17: Thanks for answering. I spent it before the 17th but my issue date was earlier than yours.

        • tqf8h on 04/10/2024 - 17:41

          Great! Thanks. Will use the 28 degrees card to pay it off then. Its a shame, we had another card that we closed before the statement date last month, before legoman posted the email method, could have kept that card too.

  • gadgetguy on 08/10/2024 - 12:25
    +1

    Emailed but only got 3 months fee credit. Better than nothing I guess.

    • cbeard on 08/10/2024 - 14:18

      Same

  • zagadka on 08/10/2024 - 13:24
    +1

    This is so dodgy for 28 Degrees to announce a fee waiver but then to not give it to all customers

    I have just emailed them asking for my fee to be waived. Will cancel if they do not waive it.

    • zagadka on 11/10/2024 - 11:53

      Update: got 12 months credit

      • dtrinh on 11/10/2024 - 11:55

        Can you share what you sent them? Tia

        • zagadka on 11/10/2024 - 11:58
          +3

          I think some people here tried to get the fee waived but only got a 3 month credit, so when I emailed I wrote that I knew everyone had been getting a 12 month credit and I wanted the same one

  • MeesusEff on 11/10/2024 - 01:19

    I guess I spoke too soon with my earlier comment and got charged an $8 fee on the last statement day. Checked my rewards and still says 0 even though I met the minimum spend. Guess I'll be emailing too

    • bluesky on 11/10/2024 - 11:00

      Takes a few days before the reward comes through, after the statement billing.

      • MeesusEff on 14/10/2024 - 22:16
        +1

        It's been 6 days. Emailed them and also didn't get a response :(

      • MeesusEff on 16/10/2024 - 14:07

        My husband's card statement date is on the 15th and he got the $10 right on the last day, but mine is on the 9th, still got charged the card fee but no reward. So annoying

        • bluesky on 16/10/2024 - 22:59

          Mine took about 3 days after statement billing before the $10 reward came. I spent $1K after the 17 Sep, since that was the date the card fee/reward scheme commenced. Did you spend at least 1K after 17 Sep (in case the 1K spend would be counted only after that date)?

          • MeesusEff on 16/10/2024 - 23:19

            @bluesky: Oh damn that's right I thought it was just in the whole statement date, not 'spend starting from', did a tyre change for $900 on the 12th and thought it was all sorted 🙄🙄

          • grasstown on 17/10/2024 - 10:36

            @bluesky: The scheme commenced 17th but the scheme said to spend in the statement month. I spent in the statement month before 17th. I didn’t get reward. You are right with how they applied it, but I think they applied it incorrectly.

            • bluesky on 17/10/2024 - 10:50

              @grasstown: And @MeesusEff - You guys would have a good case to ask for the $10 reward back, given the terms were not clearly stated for the 1st month, so worth contacting them. If they can't put it back as a reward, they could credit your account with $10 - as they did with the card fees.

  • mrtin on 11/10/2024 - 09:44

    Got my bank West cc yesterday. Pretty painless process.

  • LSGH on 11/10/2024 - 12:30
    +1

    received an email saying that they waived the fees for 12 months. But I have been with them for more than 10 years and always used it for our annual overseas trips

    • timhn on 11/10/2024 - 16:23
      +1

      You're not happy that they waived 12 months fees?

      • zagadka on 16/10/2024 - 09:45

        I think LSGH are just saying that 28 Degrees might have only waived the fee because they are a longtime customer

        • gadgetguy on 16/10/2024 - 15:26

          15 years here, no 12 month waiver. Only got 3 + 3 after complaining.

          • zagadka on 16/10/2024 - 16:29

            @gadgetguy: Might depend on the support rep? I got 12 months after emailing. Not sure how long I have had the card, but at least 10 years.

  • Trekky on 17/10/2024 - 10:40

    I've emailed them 5 times now (various issues) and I'm getting no where.

    I've only had one reply and they 'explained' why I was charged. My original email wasn't complaining about that but something else. And my first complaint was in August. And on my latest statement, I've been charged interest but I made full payment before it was even required (knowing I probably wouldn't get a reminder email and I was right).

    I've just emailed them again and if I don't get a reply, I'll just go to AFCA

    I'm really fed up now and would cancel the card, but I don't have an income, so can't apply for another credit card elsewhere…..

    • yht on 17/10/2024 - 11:10

      I literally lodged a complaint to them yesterday and automated reply said it will take up to 30 days for a respond. From few days to 30 days. Lol.
      Their chat also said 5 mins but no one respond after 45 mins.

      • gadgetguy on 17/10/2024 - 13:39

        AFCA is the way to go - you'll get a reply in a few days at most. The process costs them a lot of money.

        • yht on 17/10/2024 - 14:21

          How do you message afca please ?

          • Trekky on 26/10/2024 - 09:44

            @yht: They have an online chat (M-F) and you can also lodge a dispute.

            https://www.afca.org.au/

            Latitude have not gotten back to me (after a week for this 3rd attempt and ongoing from mid-August), so I have lodge a dispute with AFCA, which I submitted last night. There is lots of info to supply, but I think I got my message across.

            • yht on 26/10/2024 - 10:34

              @Trekky: Thanks, I had the respond with $96 credit, but have not seen it in my account yet.

    • unco on 17/10/2024 - 14:06

      Turns out I've also been charged shoppers protection despite paying off the full balance. What gives!

    • Trekky on 01/12/2024 - 11:26

      After 5 weeks, AFCA came through - I am being refunded the amounts I was complaining about for a total of $61.66

  • shortgum on 18/10/2024 - 03:22
    +1

    Finally got charged on 9th sept. submit my query via [email protected] on 12sept. no response.

    then raised a compliant form via https://latitudefs.zendesk.com/hc/en-au/articles/36002088923… yesterday

    got a response about three hours later give me a $96 credit which will appear on the next statement.

    don't like their customer service and treatment overall on this at all. but if this is correct, I will see another $8 charge on next statement. so if close the card out from then. that's probably $80 earn for the effort and frustration from the process. however, will see from now and still evaluate should I even keep the card until next September

    • grasstown on 18/10/2024 - 06:02

      You will see another $8 charge on next statement

    • unco on 25/10/2024 - 10:05
      +2

      then raised a compliant form via https://latitudefs.zendesk.com/hc/en-au/articles/36002088923…

      Just wanted to say thanks. I did the same this way and finally got this response.

      Your Concerns
      We understand your concerns to be regarding the monthly $8 card fee that was recently introduced to our 28 Degrees accounts. You are aware that a 12-month fee waiver was extended to some customers, and you would like this to also be applied to your account.

      Review of your Complaint
      The fee waiver was a targeted promotion provided to select customers with eligible accounts. We are unable to provide details on the eligibility criteria as that information is commercially sensitive, but we can confirm that your account was not eligible for the offer.

      However, as a gesture of goodwill in recognition of your time with us, we have now applied a credit of $96 to your account to offset 12 months of the card fee.

      The waiver credit is being applied as a lump sum to your next statement, the monthly $8 card fee will continue to be charged for each statement period moving forward.

      • gadgetguy on 25/10/2024 - 10:53

        Thanks @Shortgum I'm giving it a go. Was previously offered 3 months + 3 months after emailing. Customer for over 15 years.

        • gadgetguy on 30/10/2024 - 10:39

          I pushed and pushed again but only got another 3 months, so 9 months in total now. I think I give up at this point.

      • yht on 25/10/2024 - 11:25

        I just received same exact respond from them today after filing complaint form for few weeks.

  • Lucille Bluth on 04/11/2024 - 03:18
    +1

    They pulled Amazon as a gift card provider. I redeemed last month $10 and this month it's not even an option to choose. And when I go to my previous redeemed Amazon gift card it says

    Offer not available

  • yht on 27/11/2024 - 19:51

    Still no $10 egc from them. Lodged the complaint 1 week ago and nothing.

    • gadgetguy on 27/11/2024 - 20:30

      Raise an AFCA complaint based on them failing to provide advertised services. You will get a quick response.

    • sssx on 02/12/2024 - 00:48

      I thought it was $1000 spend between the dates on the statement (e.g. my statement period is listed as 07/xx - 06/xx), because of the way it was phrased.

      However some of my transactions that are on the 05th and 06th end up on the next months statement. I don't know if they'll be included in the $1000 total required?

      I've heard nothing about my gift card, so I'm guessing the transactions being printed in the wrong statement despite occurring on the date within the statement don't count.

      • cynical17 on 02/12/2024 - 00:52

        Most transactions takes 2-3 days to clear. Your transactions most likely were pending by the end of your cycle

        • sssx on 02/12/2024 - 01:09

          Yeah, I figure that's the case. I probably would've forgotten what I'd read months earlier, but rereading the FAQ now (cos I've no official comms) - I think it could be worded better about what transactions count as in a statement period, as their "Eligible transactions are based on the date posted" doesn't convey "once the transaction clears which on is average 2-3 days after you spend the money" to me. Some people may think it means once your online purchase is shipped :P

    • Dundundunnnn on 07/12/2024 - 12:57

      Also no response. Quite disappointed

  • Lucille Bluth on 07/12/2024 - 16:47

    Complaint lodged 7 October.

    Only today they finally responded and credited me $96.

    3 emails went unanswered for an update to my complaint. The one time I called them for an update they were rude and talking over me, wanting to palm me off.

    Truely awful company and I'm bailing as soon as my 0% balance transfer finishes. They can suck it.

  • Lets Go Brandon on 12/12/2024 - 16:53

    Anyone had some funny business with their fee-free debit payment? Mine failed for the first time ever for no reason, my debit details remained the same as they have for many years. So I tried again only for the payment to be rejected again. I just spoke to them on the phone and they said "in order to restore your ability to make fee-free debit payments you need to pay your account via BPAY three times"

    What is this bullshit?

    • cynical17 on 12/12/2024 - 17:47

      Aren't you charge an extra service fee for BPAY? I'd rather just "Pay Now" through the Latitude app.

      • Lets Go Brandon on 12/12/2024 - 18:09

        That's exactly what I'm talking about, twice in a row the Pay Now has been rejected despite no changes with where the money comes from.

        The script-monkey was very quick in saying I need to make 3 x $1.95 BPAY account payments to re-enable the Pay Now feature.

        This company is a joke.

        • cynical17 on 12/12/2024 - 18:46
          +1

          That advice doesn't sound right at all.

    • bluesky on 12/12/2024 - 18:02

      I just went into their portal to have a look. It said:

      "Aah! Something went wrong"
      "We have experienced an issue loading this content. Please refresh the page or try again.

      Maybe they have a system-wide problem at the moment, perhaps try again later.

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