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28 Degrees Mastercard - $0 Monthly Fee for 12 Months (Normally $8 Per Month) @ Latitude Financial

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28 Degrees Mastercard - $0 Monthly Fee for 12 Months (Normally $8 Per Month) @ Latitude Financial
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epicttiimm on 12/09/2024 - 13:19 latitudefinancial.com.au (3326 clicks)
Last edited 12/09/2024 - 15:46 by 2 other users

Targeted deal - check your SMS for a $0 monthly fee offer.

Good thing I didn’t insta cancel like so many people - seems like I’ll keep this card for another year. I’m a longtime cardholder with the 12m price protection. I’ve got about $15k left on my lifetime claim limit - will try to use up as much as I can this year.

XXXXXX, we're waiving 12 months of the monthly card fee on your Latitude 28° Global Platinum Mastercard so you can enjoy more shopping in the Black Friday sales! Check your inbox for more info.

Financial 28 Degrees Credit Card Latitude Finance Australia MasterCard

Related Stores

Latitude Financial
Latitude Financial

closed Comments

      • OzBrogains on 12/09/2024 - 14:23

        I have about $2k more before I hit my $20k limit.

        • bdl on 12/09/2024 - 14:25
          +1

          Do you look for purchase where you can claim price protection, or just do it when you've seen that an item you've recently bought has a cheaper price somewhere? Good luck hitting that final $2k!

    • OzBrogains on 12/09/2024 - 14:23

      Most people hating the card probably don't have PP. PP was removed years ago so it's reasonable to assume most people do not have it.

      • bdl on 12/09/2024 - 14:27
        +1

        I've had mine since they were first around and never got PP. :(

        Only thing I got free from Latitude was a replacement drivers licence fee credited when they exposed my personal details :/

      • INFIDEL on 12/09/2024 - 14:44
        +9

        In 18 years with this 28degrees MC - never needed to use PP. Always made sure bought at lowest price😉

        28degrees MC used to be GREAT.
        Mainly used for overseas travel & purchases.
        Can do that free with other cards.
        So nothing to miss. Cancelled!

        • OzBrogains on 12/09/2024 - 15:04

          Surely you can understand the use case of buying something without needing to wait for a discount/better price, then claiming PP when the price drops?

          • INFIDEL on 12/09/2024 - 15:09
            +3

            @OzBrogains: Understand that's what others do…
            But I hate not buying at best possible price. Am happy waiting for price to drop.
            That's why I'm on Ozbargain😉

            I recognise some items will be discounted (& sold out) in regular sales. So buy when available & wait for price to drop to return & rebuy at lower price. *Staff can be helpful to get to know for advice.
            (eg bought multiple good $30 Target shorts half price - then saw extra 50% off next week. Just took shorts back & rebought - got extra 50% back onto CC without fuss or filling out claim.)

            With major items - I haggle with supplier / importer to buy at lowest possible price
            (eg bought new 535L SS fridge freezer for $314 delivered)
            Wouldn't be able to use PP as negotiated price well below lowest price ever sold at.

            So by buying wisely & under no time pressure… PP has never been of use to this canny Ozbargainer😊

      • UnrealMacaw on 12/09/2024 - 14:45

        Yeah but the OP for example - why would they even consider cancelling this card when they've still got $15k price protection left?

        If you don't have PP then sure cancel the card and get one with a good rewards scheme.

      • oranglama on 12/09/2024 - 15:36
        -1

        I like my coles mastercard PP more

        • OzBrogains on 17/09/2024 - 14:16

          How lol. The Latitude one is objectively better in every respect.

          • oranglama on 19/09/2024 - 21:53
            -2

            @OzBrogains: Lol there's nothing objective about preference, you can have your opinion :)

    • UltimateAI on 12/09/2024 - 15:12
      -6

      Pay $100 annual fee, no issue.
      $9 monthly card fee, have a meltdown
      I put all my overseas subs on this card, good fraud protection, great exchange rates.

    • Legoman on 14/09/2024 - 16:36
      -1

      No you haven't "made" anything from gaming the price protection insurance rort. What you've done is ripped yourself off by paying way over market value for crap you didn't need, and then you've put in lots of free work and effort to hopefully claw back what you never needed to spend in the first place. That's not the same thing.

  • motion2082 on 12/09/2024 - 14:19

    I got an SMS from them today. already logged my application to leave. Might just hang onto it for another 12 months and keep my second card to replace it when it gets approved

    The old Subscription Trial trick, 12 months free…you'll forget then we'll charge you in 12 months. By then probably make a change to charge you annually

  • mrshorty on 12/09/2024 - 14:20
    +4

    get stuffed Latitude - cancelled card already!

  • redhotchilli on 12/09/2024 - 14:21
    +4

    Regular user for over 10 years, cancelled both cards on Tuesday 10/9, went to Bankwest, probably would have stayed another year if I had known

    • motion2082 on 12/09/2024 - 14:24
      +12

      Interesting you're only a valued customer after announcing that were plannig on stinging you with a $8 month fee (cause the banks are not making enough via payment console fees and speculative house prices with high interest rates)

      When I called Bendigo 3 weeks ago they said 12,000 applications were from 28C customers leaving LOL

      • zelliot on 12/09/2024 - 14:25
        +6

        Just spoke to Bendigo and wait time for approval is about 3 weeks. They are getting slammed!

        • theory on 12/09/2024 - 15:48
          +2

          We prefer to call it Ozbargained.

        • rosst on 12/09/2024 - 16:05
          +1

          Its been over a month for me still waiting

        • twig on 12/09/2024 - 19:08

          BB was where I went and they were ok.

          Web UI is a bit jank but gets the job done.

      • Iwantthebestprice on 12/09/2024 - 14:28

        What card are you getting via BB? Does it also have a PP feature?

        • bdl on 12/09/2024 - 14:29
          +1

          Ready credit card product - No PP, but no international transaction fees. https://www.bendigobank.com.au/personal/credit-cards/ready/

          Plus you can use the up app (if you have on of their accounts), to calculate the exact exchange rate to be used in real time :)

          • Iwantthebestprice on 12/09/2024 - 14:30

            @bdl: Oh I bank with UP for banking and my home loan. Glad to know there is a card like this since UP ain’t doing CC yet.

            I had a feeling UP also has $0 transaction fees but would prefer to use a CC for the added travel insurance etc.

            • bdl on 12/09/2024 - 14:34
              +1

              @Iwantthebestprice: up has $0 transaction fees however I do like CC's for when things need holding (eg. hotel stays, car rental, etc). Also better than debit if/when disputing transactions (haven't had to do that for a long time, touch wood)

              Also feels good to support Bendigo vs Latitude considering Latitude's attitude towards their customer base.

    • bdl on 12/09/2024 - 14:24
      +1

      They don't deserve your merchant fees :)

      Bankwest can be dicks too, changing T&Cs for promos as it suits them - however, still better than Latitude. Enjoy the switch!

  • zelliot on 12/09/2024 - 14:26
    +2

    No SMS or email for me. Cancelling on Monday!

  • Craze on 12/09/2024 - 14:27
    +4

    For those who haven't received the sms/e-mail, maybe hold out as there's still a few more days till 17th Sept as from experience their e-mails are staggered (like cashback promos), might be worth holding out a few more days just in case 😊

    • Sterio on 12/09/2024 - 15:43

      I suppose it’s no different to when their email introducing the new fees went out. Some cardholders didn’t get the email until a couple of days after some had already received it and reported it on Ozbargain.

    • jaimex2 on 12/09/2024 - 19:23

      I cancelled and got the SMS go figure.

      They obviously didn't close my account hoping I'd change my mind

  • G-Dynamite on 12/09/2024 - 14:41
    +1

    Correct me if I’m wrong does that mean you get the $10 credit as well if you get this offer?

  • muncan on 12/09/2024 - 14:43
    +1

    Still waiting for confirmation from Bendigo Bank before I close mine…

  • Bargain321 on 12/09/2024 - 14:44

    Cancelled card yesterday & today received sms & email waiving 12 months of fee! Too late mate!

  • lovesabargain77 on 12/09/2024 - 14:47

    Cancelled mine a few weeks ago and selected the 'fees too high' reason, thought they might've made this type of offer before processing the cancellation but they cancelled the card the same day.

    On the upside, my credit score went up 71 points since getting rid of this card.

  • R4 on 12/09/2024 - 14:49

    No SMS or email for me.

    I'm going to ask them to extend this to me. They can only say no, which would mean I'll go through with cancelling.

  • tempting on 12/09/2024 - 14:50

    No SMS or email, but I did get a call from them yesterday offering an "exclusive personal loan" 🫠

  • GreenGuava on 12/09/2024 - 14:52

    Unfortunately nothing for me so far, only received the offer for 3 months interest free. I will hang out for a while longer in the hope that they are sending the notices out in batches.

  • clubhonda on 12/09/2024 - 14:56
    +1

    They probably won't send this out to those with PP which I have. They must have lot helps of people as the wait times on the phone was around an hour for weeks since it was announced. I bet it's a few % market share loss for them which is probably enough to get the product manager fired in most businesses.

    Reminder to cancel before the 17th if you haven't!

      • Craze on 12/09/2024 - 16:21

        Me too

        • chromium on 12/09/2024 - 16:36

          no fair, where's my sms?

      • d123 on 12/09/2024 - 22:24

        Did you try cancelling the card, and then they offered you the SMS $0 for 12 months?

    • Legoman on 14/09/2024 - 16:58
      +1

      Sep 17 is when the fee starts, not when it gets charged. It only gets charged on your first statement date AFTER Sep 17, so if your statement date is the 15th of every month as many are, you're not going to get charged your first monthly fee until Oct 15th.

      Reading and comprehension as well as facts… matter.

      • Chris T on 16/09/2024 - 16:14

        I hope you are correct in your interpretation of "You will see this fee being charged on your first statement from 17 September 2024." I'm planning to cancel my card according to your schedule.

        • Legoman on 16/09/2024 - 17:00

          There's no interpretation involved. I have it in writing from Athrael - Leader - Internal Dispute Resolution delivered from [email protected]. I have a reference number, her direct phone number, her fax number (yes, seriously, they have a fax number), and I even have her signature on the letter too. I am not making this up.

          Claimed my first of three free Flexiroam eSIM yesterday with 3GB data for 15 days. Happy to see that worked perfectly as per what the box says.

  • Rollie on 12/09/2024 - 15:04
    +2

    Cancelled yesterday unfortunately so missing out on this deal

  • jazzilla on 12/09/2024 - 15:06
    +4

    Look who's come crawling back after I cancelled the other day.

  • cheekymonkey97 on 12/09/2024 - 15:07
    +8

    I chose to keep my card but will be cancelling out of spite if I don’t get this offer.

  • drprox on 12/09/2024 - 15:11
    +6

    lol, shit we lost more customers than expected…

  • danield on 12/09/2024 - 15:12
    +1

    Was forced to keep my card as it was to close to my travel dates, was planning to pay for a month and cancel upon return, got the email (no SMS access) so will hold on to it for now. Planning on applying for a new loan in the new year to Ill probably cancel this for that application and swap over to BankWest or Bendigo after that.

  • bienvenu on 12/09/2024 - 15:13
    +6

    Didn't get the SMS. Called, she didn't know it existed, and said they can't offer this.

  • aka nioh on 12/09/2024 - 15:16
    +1

    Thanks OP, I wasn't aware that they were gonna charge a monthly fee. Didn't get anything but at least I won't be paying $8 as I'm gonna cancel. Not only did they leak my ID but my card had fraudulent charges that required going to the ombudsman to be fixed

  • aka nioh on 12/09/2024 - 15:16

    Thanks OP, I wasn't aware that they were gonna charge a monthly fee. Didn't get anything but at least I won't be paying $8 as I'm gonna cancel. Not only did they leak my ID but my card had fraudulent charges that required going to the ombudsman to be fixed

  • Variableaperture on 12/09/2024 - 15:24
    +2

    I didn’t see the email. So just after seeing this I cancelled my account.

  • pennypincher on 12/09/2024 - 15:26
    +1

    boo…useless card…now wanting customers back after introducing the $8/mth fee

  • tightm8 on 12/09/2024 - 15:29
    +1

    There's literally no need for a 28degrees card since there are so many options when travelling (which was the only reason I had it).

    Wise, Revolut, ING, HSBC all have superior offerings and FREE.

    • NobalaKoba on 12/09/2024 - 16:16
      +1

      Price protection is the main reason.

      I don't pay them a cent, they pay me a couple of thousand dollars per year. I can't find another card that does that.

      • oranglama on 12/09/2024 - 16:57

        Coles mastercard with PP

        • NobalaKoba on 12/09/2024 - 17:34

          Coles CC doesn't price match other retailers.

          • oranglama on 13/09/2024 - 09:09

            @NobalaKoba: yep that's true, for 2 years though, and they've paid me thousands of dollars per year. Different use case but same result.

    • Legoman on 14/09/2024 - 17:04
      +1

      Wise is not a credit card
      Revolut is an out and out scam
      ING requires multiple flaming hoops be jumped through every single month to realise modest benefits
      HSBC simply does not offer forex fee OS purchasing at all

      So in actuality, none of these are even barely comparable, let alone "superior"

  • Bluto Mindpretzel on 12/09/2024 - 15:30
    +8

    Safe to say Latitude badly misread the market.

  • tencents on 12/09/2024 - 15:45
    +3

    Didn’t get sms but not regretting I cancelled.

  • ezhang6767 on 12/09/2024 - 15:46
    +2

    I don't understand who will apply for this card just because there is no FTF. There plenty of good card on the market.

    • Legoman on 14/09/2024 - 17:09
      -1

      Name them. There are at best only two others that are barely comparable. One by Bendigo Bank which is not available to residents in all states of the country by virtue of the regional focus of the bank, and another by Bankwest which is also not available in all states - depends where you live. At a pinch there is a third by ING which is available everywhere but requires very onerous hoops be jumped to maintain its features every single month.

      • ezhang6767 on 14/09/2024 - 20:46

        I personally use US credit card (Chase/Amex/Citi) and use them in Vic. Basically there're tons of good cards to use without FTF (It is even not a sale point in US). I'm trying apply the same strategy in AU credit card but I haven't start yet because I found most of the credit card require a payslip. I would suggest if you want to avoid the FTF you can try those card with fees and sign up bonus. On the second year just downgrade them to non anual fee card and apply another one.

        • Legoman on 14/09/2024 - 21:52

          Yeah OK. You're obviously in a unique position able to apply for US-issued credit cards. Not really relevent here on an Australian website talking about Australian-issued credit cards.

  • Geelong2017 on 12/09/2024 - 15:48
    +2

    Worse company to deal with ! Save your oxygen and forget about these clowns . All crap products with highest interest lol
    Banks never report until your payment is past 14 days and wont even charge a late fees if its paid within 2 days of due date. These guys report even if payment went 12.01 pm instead of 12pm. If you love your credit rating latitude is the one company you need to give flick first and foremost.

    • Lucille Bluth on 12/09/2024 - 16:50
      +2

      Banks never report until your payment is past 14 days and wont even charge a late fees if its paid within 2 days of due date. These guys report even if payment went 12.01 pm instead of 12pm

      That doesn't sound like they are at fault because you are in arrears? Pay on time to avoid being stung and ruining your credit report. I have never paid a late fee for any bill, it's not hard to keep on top of these things.

      • Geelong2017 on 12/09/2024 - 21:42

        Lucille try using there customer service its that incompetent its not even funny. I am just closing all accounts with them never again not this company at all.

    • mousie on 12/09/2024 - 19:10
      +1

      My credit rating went down because of my enquiry with latitude. They are terrible. More so than other tier 1 providers

      • Geelong2017 on 12/09/2024 - 21:41
        +2

        Hi mousie they are terrible and no doubt about it i have set automatic bpay payments on due date like all my credit cards sometimes it dont clear until after 12 never had problem with any other bank but these maggggooots kept sending it as late to credit reporting even though no late fees . Impacted my score so much . Nothing changes that they are incompetent clowns. My score of 800 every month now is 540 because of these peanuts

  • add-delay on 12/09/2024 - 15:50

    I'm assuming this is only a retention offer and not available for new cards? Was about to get one as a secondary/back-up card for a trip when they first announced the new fees, so never ended up getting it.

  • jelicano on 12/09/2024 - 15:51

    Wow i didn't know of their price protection nor that they charge a monthly fee now.

    Have held it for more than 10yrs. I only use it when travelling or online purchases with foreign currency anyway.

    I'll read up on PP

    • jelicano on 12/09/2024 - 16:14

      Ah can see in rates and fees about the $8pm starting 17th Sept.

      Haha goes to show I don't read their updates about card TandC.

      I'll hold on to the card till December as i have used it for a few bookings and the trip. But I'll definitely cancel after that.

      No SMS for me either

    • Lucille Bluth on 12/09/2024 - 16:52
      +1

      I'll read up on PP

      You'd only have it if you had signed up for it when they offered it years ago.

    • ntb on 13/09/2024 - 03:26

      If you only know about it now it’s probably too late to sign up.

  • Sterio on 12/09/2024 - 15:52
    +11

    Future marketing case study right here.

  • lordezekiel on 12/09/2024 - 16:09
    +2

    Cancelled my 28 degrees card so fast when they annouced the monthly fee… ended up getting a Macquarie card instead, most excellent it is.

    • leiiv on 12/09/2024 - 19:07

      Does it have no foreign currency conversion fee?

      • mousie on 12/09/2024 - 19:11
        +2

        Yes. Used it overseas. Also rebated ATM fees within Australia

  • alan737 on 12/09/2024 - 16:10
    +3

    Load of cancellation transferred to Bendigo

  • Timeismonet on 12/09/2024 - 16:14

    My text was in the spam folder of my messages on android. For those that didn't get a text either and were wondering if they were included

  • chromium on 12/09/2024 - 16:19

    No SMS here, but I'm easily making the $8 back and much more in price protection claims

  • Tradey on 12/09/2024 - 16:24

    Cancelled last week and still waiting…

    "We have received your closure request and would like to advise you that the closure cannot be processed as we need to wait for 6 business days for any payment apart from BPay (from the date when the payment was made)."

  • AngusD on 12/09/2024 - 16:26
    +1

    Cancelled mine last week (after I got home from overseas trip) due to the monthly fee.

    Might take a look at the Bendigo card as a replacement if that's what the OzB crowd is doing.

  • gezza90 on 12/09/2024 - 16:48

    I've had 28 Degrees since 2012 and only use it on average once per year when I travel overseas. So you're saying they're now going to start charging a monthly fee on my account? If so… I'm cancelling.

  • funky on 12/09/2024 - 16:54

    Nothing here. May be tied to those without PP?

  • mickmac on 12/09/2024 - 16:56
    +2

    How do people track their purchases for the price protection? I can barely remember what I had for breakfast.

    • NobalaKoba on 12/09/2024 - 17:34

      Google sheets

    • MeesusEff on 12/09/2024 - 19:48
      +1

      I use D notes, easy to change the flair / colours. Just pop in notable purchases by date and remember to check every once in a while

    • buddysayshi on 13/09/2024 - 00:02

      Well said mate :)

  • Austrian Oak on 12/09/2024 - 17:14
    +6

    These idiots still haven't closed my account after 2 weeks, asking me to send them my date of birth via email in plain text where their email states they will never ask for personal details via email.

    Absolute incompetence.

    PROTECTING YOUR ONLINE SECURITY:

    Today, more than ever, it’s important to be safe and secure online, so we’ll:
    * Never send a link directly to our secure login pages.
    * Never approach you and ask for your passwords, PIN or other personal information by email.
    * Never send your personal information in unencrypted attachments.

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