28 Degrees Credit Card Offer

	Key Features:
	No annual fee. Ever. 4.99% interest for six months on transferred balances. No fees for ATM withdrawals, cash advances or overseas purchases. 19.49% rate on purchases and cash advances Up to 55 days interest free. Apply online and get a decision in minutes.

28 Degrees Credit Card Answers to frequently asked questions:

How much money can I balance transfer from my existing credit card?
From an existing credit card, you can transfer any amount above $100 up to the amount of your credit limit.

How much cash can I withdraw on my 28 Degrees MasterCard?
Subject to your available credit, you can withdraw up to $1,000 per day at an ATM and up to $3,000 per day over the counter at a financial institution. (Please note, this may be less depending where you are in the world. Some financial institutions may limit the amount of cash you can withdraw through their facilities.)
Some customers may have a smaller cash limit on their card. The details of your credit limit can be found on your latest statement.

What does 'no international transaction fees' actually mean?
It means you don’t pay a fee for anything you buy overseas on your card.
With the 28 Degrees MasterCard, we do not charge international ATM fees, there are no international over the counter transaction fees and no international transaction fees for when you make purchases. There are also no currency conversion fees for international transactions. This adds up to a lot of savings if you enjoy shopping when you are away.

What are the approval criteria for the 28 Degrees MasterCard?
Like most financial institutions, we work on a credit check system. We need to make sure we are identifying the right person, to prevent fraud. We take many things into consideration when considering an application. And, while we don't disclose the specific details of our criteria, if you're declined we'll let you know in writing.

I've seen other credit card offers that are similar. Is there anything different about this card?
If anything, there are even more reasons for using a 28 Degrees MasterCard.
It’s still a great card for people who shop overseas – it’s the only credit card currently available in Australia with no international transaction fees, no currency conversion fees and no fees for overseas cash withdrawals (the ATM owner might charge you a fee but we won’t). It’s also a great credit card for shopping in Australia.

• No annual fee
• Secure 24 hour online service centre
• Fraud protection
• CHIP & contactless technology

Can the 28 Degrees MasterCard be linked to my mortgage?
No. This product isn't designed for those seeking a mortgage linked credit card.

Can I pay my credit card balance in person?
Yes, you can make a payment at Australia Post outlets (a small handling fee will apply).

Will I ever be charged an annual fee on this product?
No, not at all.

What will my credit limit be?
Our lending criteria takes into account many different factors. The information that you supply in your application will assist us in determining your credit limit, and if your application is approved, we will let you know your credit limit in your welcome pack.

When can I expect to receive an answer on my application?
If you apply online, we can give an answer on your application within seconds in most instances. If you mail us your application, it will take approximately 10 working days from receipt of your application to receive an answer from us in writing.

If my application is approved, when can I expect to receive my card?
It will take approximately 10 working days from receipt of your application to receive an answer from us in writing.

Who do I call if I want to track my application?
You can call our Customer Care Centre on 1300 552 079 to check on your application status.