Rating based on 8 reviews

28 Degrees

  • Five Digital Wallets
  • No annual fee
  • Low-interest starting from 5.70%

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Author 28 Degrees. Screenshot of 28 Degrees website.
[Accessed May 26, 2023]

About 28 Degrees

28 Degrees is the best bank to use as our travel companion especially by applying for a Platinum Master Card. You can travel and not get hassled by being overcharged on fees for foreign transactions and ATM withdrawals.  

28 Degrees is one of the oldest finance companies in the world and they are also one of the leading consumer finance companies in Australia.

Here to stay

28 Degrees is definitely here to stay especially since they are one of the oldest companies around. They have an excess of approximately $35 billion and there are more than 4600 staff members aiding over 3.1 million clients.

They have brokers, up to 150 local branches, 10 000 retail partners and 2000 practice partners. Their solutions to personal finance are easy and efficient which makes them the go-to bank.

Countless awards and top ratings

28 Degrees’ travel credit card is one of the most celebrated and acknowledged card in the country having won numerous Mozo Experts Choice Awards as well as the having won the best card for international travel by the Australian Business Awards.

28 Degrees Services

28 Degrees has offers so many different services all ranging from personal loans to insurance. What makes them so popular is the fact that they offer their client's promotional retail finance as well as interest-free finance.

They can easily simplify all your banking needs whether you need credit card, insurance, renovations, consolidation of debt or organizing a holiday, they will be there for our every step of the way.  They can easily help and simplify the way you handle your money.

Like having a 24/7 assistant

They have valuable services including a complimentary concierge service and it is available to help with tours, holidays and even restaurant bookings anytime of the day.

No annual fees

There are no annual fees on the Platinum Travel Card which makes it the perfect companion to have without the extra baggage. 28 Degrees has been awarded a five-star rating for an outstanding value as well as having a low fee on their credit cards.

28 Degrees – Credit card

  • Loan Type Credit cards
  • Interest Rate from 5.70%

Benefits of 28 Degrees

  • Apply online and get approved fast
  • Choose between financial solutions
  • Get competitive interest rates

Getting a 28 Degrees credit card online is quick and easy

Applying is easy and can be done quickly and in just 3 easy steps.  First you will need to check your eligibility.

Applying is so fast and is done within 10 minutes and once that is done you will get a response in 60 seconds or less. You can easily complete an online loan application and submit all information directly via the net. All document uploads are secure.

Checking your eligibility:

  1. Are you at least 18 years old?
  2. Are you a permanent Australian Resident?

If you answered yes to both questions you will need the following to carry on with your credit card application

  • A valid driver’s license
  • Your employers contact details
  • A valid email address
  • All details pertaining to your assets, liabilities and income

Reasons to get a credit card

  • You can easily save on all your fees without leaving your home. You won’t pay any extra fees on any overseas purchases
  • You won’t pay any annual fees, currency conversion fees, overseas purchase fees or foreign transaction fees
  • It is a 24/7 personal assistant

Calculate your savings and keep up with great deals

Yes, they offer you the ability to see how much you can save when you spend on your credit card.  That is what they offer you so that you know how much you can spend and how much you will have to pay back for the amount that you would be saving. The best part about their card is that you can use it for your travel benefits and there is no extra cost when you use the card overseas or when you are travelling outside of Australia. They think that it’s a bonus for all their members who love to travel but don’t want to pay the expense of getting added interest added when they purchase elsewhere.

Getting to pay anywhere

The great part about this is that if you are an avid runner or enjoy biking then all you need to have with you is your Fitbit watch and you will be able to use the device to pay. This means that you can leave your wallet at home and have the freedom of using your watch. With this option, they offer you 5 ways to pay one being the fit bit and Google Play and Samsung Play and Apple Play and then lastly you can use your Garmin if you do not use Fitbit and it takes a few easy steps and you are all sorted so get started today.

man holding thumbs up

28 Degrees is a trusted & reliable provider of credit cards

In our review, 28 Degrees adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ 28 Degrees is a registered credit provider in Australia: ACL 392145

Customer Reviews & Testimonials

February 2019

As a cyclist, the option of using my Fitbit to pay is great and simple once you get yourself started you have very little to worry about if you have forgotten your card or phone.

David S
— Brisbane —

April 2019

I have found that seeing how much you save when you spend is a great way to get what you want at better prices.

John B
— Sydney —

28 Degrees Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box 1818, VIC, 3001, Melbourne

Opening Hours

  • Monday 08:00 – 21:00
  • Tuesday 08:00 – 21:00
  • Wednesday 08:00 – 21:00
  • Thursday 08:00 – 21:00
  • Friday 08:00 – 21:00
  • Saturday 08:30 – 20:00
  • Sunday 08:30 – 20:00