Registering for the Online Service Centre is simple and lets you:

• Manage your account and update your details

• Set up payment reminder alerts and payment notifications

• Access your statements anywhere and anytime

• View your transactions instantly

It only takes a few minutes. Just make sure you have your mobile phone on hand. If not, please have your card plus a recent statement with you to help answer some questions.

To share the convenience of your Latitude 28 Degrees Global Platinum Mastercard with a family member or loved one, you can add an additional cardholder using our online application form or please call 1300 552 079 and ask for an additional cardholder application form.

In Australia, you are required to have a PIN on your credit card. In many other countries, you may be required to enter your PIN. Please make sure you have one before leaving Australia.You can select your own PIN by calling us on 1300 552 079.

To share the convenience of Latitude 28° Global Platinum Mastercard with a family member or loved one, add an additional cardholder using our online application form or please call 1300 552 079 and ask for an additional cardholder application form.

There are two options. 1. Authority to disclose information only: An additional cardholder can request access to your personal information (including credit eligibility information) concerning your account. 2. Authority to disclose information and maintain your account: An additional cardholder can maintain your account including: a) Changing address and phone numbers. b) Requesting the issue of a new card or activating a card on your account. c) Requesting changes to special promotion details, if incorrect. d) Requesting a fee/charge reversal if the details are incorrect.

If you were approved prior to 29 May 2025, your account is subject to an $8 monthly credit card fee.

If you were approved from 29 May 2025 onwards, your account is subject to an $96 annual credit card fee, which is waived for the first year. It will also be waived in subsequent years if you spend at least $12,000 on eligible purchases in the 12 months leading up to your anniversary date. For example, to qualify for a fee waiver in the second year, you must spend at least $12,000 on eligible purchases within the first 12 months.

If you were approved from 29 May 2025 onwards, your annual card fee is automatically waived for the first year. To qualify for a fee waiver in the second year, spend at least $12,000 on eligible purchases within the first 12 months. It will continue to be waived in subsequent years if you spend at least $12,000 on eligible purchases in the 12 months leading up to your anniversary date.

Your annual anniversary date will be the date your first full statement period starts. This might be a few days after you are approved, so your first year may be a little longer than 365 days. Transactions you make during these extra days are still counted towards your first year’s spend.

Eligible transactions exclude cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest, and balance transfers into an account.

Keep in mind that only transactions that have been fully processed and posted to your account are counted. They are counted based on the date they are posted, which is not necessarily the date they are made.

Purchases made by additional cardholders are included in the primary cardholder’s total eligible spend.

We offer convenient ways to pay – via the Latitude Service Centre, Direct Debit, BPAY® or in person — whatever suits you best.

Latitude Service Centre:The quickest and easiest way to make a payment. Simply log into the Latitude Service Centre, click 'Pay my Account' and enter your bank details. Registering is easy and it only takes a few minutes, just make sure you have your card or 16-digit account number on hand.

If you use the Latitude Service Centre via "Pay My Account", your payment may take a few days to reflect on your Card balance, but will show on your transactions list straight away (as pending). We do not charge you a fee for payments made via the Latitude Service Centre.

You can also set up payment reminders and payment confirmations.

Direct debit: Never miss a payment. Call us on 1300 552 079 to set up your Direct Debit over the phone or download a Direct Debit request form

BPAY®:Make payments electronically using your bank's phone or internet banking service. BPAY® is available 24 hours a day, 7 days a week. To make a payment, use the Latitude 28° Global Platinum Mastercard Biller Code (150615), and your credit card number as the reference number. This can be found in the top right-hand corner of your statement.

Please note a Payment Handling Fee of $1.95 applies for all payments made via BPAY® to pay your card account.

If you're paying by BPAY® on your due date, make sure you complete the transaction before your bank's cut off time, otherwise the transaction may be processed on the following day. Remember that some BPAY® payments can take up to 3 days to appear on your account.

Australia Post: Simply take your statement and pay at any Post Office. A payment handling fee of $3.95 applies to each transaction.

From 13 September 2019 we will no longer be offering worldwide concierge on the Latitude 28° Global Platinum Mastercard. We apologise for any inconvenience.

Below is a list of useful forms:

• Authority to Disclose and Maintain form (PDF)

• Close Account Form

• Reduce Credit Limit Form

You must be logged in to the online service centre to access the below forms:

• Additional Cardholder

• Conditions of Use

• Direct Debit request

• Transaction dispute guide

We no longer authorise credit card purchases registered under a gambling and lottery merchant code. These transactions will include most gambling and lottery purchases.Gambling and lottery transactions are purchases made at gambling associated venues and online sites.

While we understand that gambling and lottery purchases can form part of normal entertainment and everyday life for many people, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.

This decline could be because we no longer authorise gambling and lottery purchases on Latitude products.

We recognise that gambling is a growing issue in Australia, and we are here to help support the financial wellbeing of our customers. While our customers may like the flexibility of using their 28 Degrees travel credit card for these occasional purchases, Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.

If you find yourself vulnerable to gambling and you'd like to speak to someone from an independent organisation about your situation, please call Gambling Help Online. www.gamblinghelponline.org.au 1800 858 858.

As a result of the gambling and lottery transactions being declined on Latitude products, non-gambling and lottery transactions such as food or beverages purchased at some international casinos may also be affected and is dependent on the way these businesses comply with local laws. Bistros at clubs and sports venues throughout Australia that offer pokies should still accept credit cards for meals and drinks.

We recognise that for many Australians, gambling is a form of entertainment and recreation. Latitude along with other credit providers, including banks feel that using a credit card to pay for gambling and lottery is not suitable.

Victoria: A venue operator must not allow a person to obtain cash from a facility in the approved venue or a cash advance from a credit account.

Queensland: All automatic teller machines installed in the licensee’s licensed premises are only available for the use of debit cards.

New South Wales: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.

Northern Territory: ATM and EFTPOS Facilities will only have access to debit accounts; access to credit accounts will not be permitted.

Tasmania: A casino operator must not allow a person to obtain, from a cash facility, a cash advance from a credit account.

South Australia: The holder of a gaming machine license must not provide, or allow another person to provide, a cash facility within a gaming area on the licensed premises.

Australian Capital Territory: A hotelier or club must not permit a cash dispensing facility to be used, or to be installed, or located in any part of the hotel, or club premises, if the facility is capable of providing cash from a credit card account.

Western Australia: In the gaming areas of the Casino EFTPOS is only to be used to access savings or cheque (not credit) accounts in accordance with relevant legislative and regulatory requirements, and subject to transaction limits.

Over the past 20 years Australian governments have introduced several restrictions on the use of credit cards for gambling. These include:

• Australian state and territory governments prohibited access to credit in casino and gambling areas of licensed venues in the early 2000s. This mean a person cannot use a credit card to gamble or withdraw cash from an ATM in gambling areas of licensed venues and casinos. When these reforms were introduced the online gambling did not operate in Australia.

• In February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.

• On 27 November 2019, the Federal Minister for Minister for Communications, the Hon. Paul Fletcher introduced legislation to establish the National Online Gambling Self-Exclusion Register.

Online and betting apps - Yes. However, in February 2018, the Federal Government prohibited online gambling operators from offering credit to gamblers as part of the National Consumer Protection Framework for Online Wagering.

Poker machines - No credit cards or access to cash advances through ATMS in gambling areas.Casinos - No. Casinos extend lines of credit from their own credit facilities to their customers in VIP rooms, but they do not provide credit cards in those areas.

On-track - horse racing and greyhound racing - No credit cards or access to cash advances through ATMS in venue.

Lottery tickets/online and in venue - Yes.

TAB outlets - No.

Like most financial institutions, we work on a credit check system and we consider if the card is unsuitable for you given all the circumstances. We also need to make sure we are identifying the right person, to prevent fraud. We take many things into consideration when reviewing 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.

If you apply online and provide all the necessary information, we can give an answer on your application within 60 seconds in most instances.

In some instances further information may be required to process an application. If further information is required we will inform you during the application process.

You will receive updates about the status of your application via email. However, you can check your application status at any time by calling 1300 764 454. Please ensure you have your application number available when calling.

It will take approximately 5-10 working days from your approval for you to receive your 28 Degrees travel credit card.

You will need to activate your 28 Degrees travel credit card before you start to use it. (This helps us ensure the right person has received your card). Remember to sign your card immediately.

To activate your 28 Degrees travel credit card simply log into your account via our Online Service Centre here you can activate your 28 Degrees travel credit card and select your own PIN.

For security reasons, 28 Degrees travel credit card are sent to you inactive. Activating the 28 Degrees travel credit card validates that it's been received by you.

To activate your 28 Degrees travel credit card simply log into your account via our online service centre, here you can activate your 28 Degrees travel credit card and select your own PIN.

• Firstly, check with the primary account holder that they've activated their card. You will not be able to activate your card until theirs is active.

• Call us on 1300 552 079 to activate your card and set up your PIN. It only takes a couple of minutes.

• Prompt the interactive voice response with 'Activate my card' and follow the instructions.

• You will need to know the primary account holder's date of birth and the mobile phone number listed on the account.

• A verification code will be sent to the mobile phone number listed on the account, so keep that close while you are on the line.

• We suggest you continue to follow the prompts and set a PIN while you are there.

• And your card's almost ready to go - just don't forget to sign it first.

You'll receive a message within 2 business days via either email, SMS or post from the time your account goes over limit. This is a free service provided to you. There are no charges for going over your credit limit.

We recommend registering for the Online Service Centre to monitor your account balance.

If you apply online you'll be notified of your credit limit when your application is approved.

Your credit limit can also be found on the top right of your monthly Latitude 28° Global Platinum Mastercard statement. Alternatively, you can log onto the Online Service Centre to check it any time. It's important to note that your credit limit can be different from your available cash limit.

Your available cash limit can be found under 'Account Summary' in the Online Service Centre. It's also available on your statement.

Your available cash limit can be found under 'Account Summary' in the Online Service Centre. It's also available on your statement. It's important to note that your available cash limit can be different from your credit limit. Please note daily cash withdrawal limits apply.

You can use the Reduce Credit Limit Form to request a credit limit reduction.

You can increase your credit by logging into the Online Service Centre or giving us a call on 1300 552 079.

Credit limits vary from person to person. The information you supply in your application will help us determine your credit limit. If your application is approved, we'll then let you know your credit limit.

Yes, we have recently made changes to your statement for the better. We hope you like the refreshed layout and design.

As a Latitude 28° Global Platinum Mastercard customer, you'll receive a monthly statement (if you have activity on your account).

Register for our free eStatements and save on paper statements fees. Simply login into the Online Service Centre, and follow the instructions under 'Statements'.

If you choose to have a paper statement delivered by mail you'll be charged a $5.00 paper statement fee every month.

Each statement outlines your transactions over the last month and the minimum monthly payment required by a due date.

Your minimum monthly payment for a statement period will be:

• Nil if your closing balance is $5 or less;

• 2.5% of the closing balance or $30 (whichever is greater), plus:

• Any existing arrears carried over from your previous statement

• Any amount you owe over your credit limit

We offer convenient ways to pay – via the Latitude Service Centre, Direct Debit, BPAY® or in person– whatever suits you best.

Latitude Service Centre:The quickest and easiest way to make a payment. Simply log into the Latitude Service Centre, click 'Pay my Account' and enter your bank details. Registering is easy and it only takes a few minutes, just make sure you have your card or 16-digit account number on hand.

If you use the Latitude Service Centre via "Pay My Account", your payment may take a few days to reflect on your Card balance, but will show on your transactions list straight away (as pending). We do not charge you a fee for payments made via the Latitude Service Centre.

You can also set up payment reminders and payment confirmations.

Direct debit: Never miss a payment. Call us on 1300 552 079 to set up your Direct Debit over the phone or download a Direct Debit request form.

BPAY®: Make payments electronically using your bank's phone or internet banking service. BPAY® is available 24 hours a day, 7 days a week. To make a payment, use the Latitude 28° Global Platinum Mastercard Biller Code (150615), and your credit card number as the reference number. This can be found in the top right-hand corner of your statement.

Please note a Payment Handling Fee of $1.95 applies for all payments made via BPAY® to pay your card account.

If you're paying by BPAY® on your due date, make sure you complete the transaction before your bank's cut off time, otherwise the transaction may be processed on the following day. Remember that some BPAY® payments can take up to 3 days to appear on your account.

Australia Post: Simply take your statement and pay at any Post Office. A payment handling fee of $3.95 applies to each transaction.

If something changes and you're finding it hard to manage your repayments, don't worry - our Hardship Care team are here to help. We may be able to tailor an arrangement to suit your needs. To learn more, visit our Hardship Care page.

You can find your biller code or Customer Reference Number on any of your statements. Statements can be accessed by logging into the Online Service Centre

Grab your BSB and account number and give us a call, we will set it up for you over the phone on 1300 552 079.

We don't recommend placing the account into credit. The Latitude 28° Global Platinum Mastercard is a credit card and was not designed for this purpose.

If your account is in credit, please contact Customer Solutions on 1300 552 079 to organise a refund.

It may take up to 3 business days for your payment to appear in the Online Service Centre.

You can sign up for Payment Confirmation email alerts in the Online Service Centre, which will notify you as soon as your payment has been received.

You can choose to receive a Payment Reminder email which is sent to you 7 days before your payment is due. You can also choose to receive an email confirmation when your payment has been received.

To set-up alerts, Log on to the Online Service Centre and update your preferences under Manage My Details.

You can find your biller code or Customer Reference Number on any of your statements. Statements can be accessed by logging into the Online Service Centre.

If you choose to make repayments by BPAY®, please note a payment handling fee of $1.95 applies to each BPAY® payment you make to your account. You can use the biller code & your card number as the Customer Reference Number (CRN) to make your first payment.

You can avoid paying interest by paying your account in full by the due date each month and by avoiding cash advance transactions. You get up to 55 days interest free on purchases, so if you pay off the 28 Degrees travel credit card in full each month, you won't pay any interest at all^#.

^# To take advantage of up to 55 days Interest Free on every day credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.

Yes. Cash advances are charged interest from the date of withdrawal.

Yes.To take advantage of up to 55 days Interest Free on everyday credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.

Go to our online service centre. Choose ‘manage cards', then ‘change pin' and you can choose a PIN that you will remember.

If you are an additional card holder you will need to call 1300 552 079.

Follow the instructions to choose your own 4 digit PIN

As part of our ongoing commitment to keep you safe and secure, if we identify a suspicious transaction on your account, our Fraud Team may communicate with you using an automated contact system. Allowing us to promptly contact you via phone or SMS, this technology provides a quick and easy way for you to verify whether transactions on your account are genuine by responding using your phone's keypad. In instances where you do not recognise a transaction, this system will transfer you to a consultant to discuss the matter further (if outside of hours, our team will contact you first thing the following day).

Our lost and stolen team are available 24/7 and will be able to assist you. Call Customer Solutions on 1300 552 079.

If you're overseas call us on +61 287 478 178.

In Australia, you are required to have a PIN on your credit card. In many other countries, you may be required to enter your PIN.

If you are an additional card holder you will need to call 1300 552 079

Have a pen and paper handy and your card number ready and say "Select PIN" at the prompt.

Follow the instructions to choose your own 4 digit PIN

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.

When you make an online purchase at a participating merchant, a page may automatically appear asking for a unique security code or answers to security questions. This is similar to the way your bank asks for your PIN at the ATM. When you correctly enter the code (or answer the security questions) your card issuer confirms that you are the authorised cardholder and your purchase continues.

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.

This 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 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.

It’s not uncommon for transaction disputes to be the result of a misunderstanding. Before contacting your merchant or the Latitude 28° Global Platinum Mastercard team to raise a transaction dispute, please take a moment to consider the following scenarios and whether they apply to your individual situation:

I did not authorise the transaction / I do not recognise the company name on my statement:

Many companies use different trading and merchant names to identify their stores. This is especially prevalent for online merchants. If you do not recognise a merchant description on your statement, a quick internet search or phone call to the company may help clarify the nature of the goods or services they provide.

If your account has supplementary cardholders, be sure to check whether they could have made the purchase(s) in question.

Finally, it’s a good idea to think back to the date and dollar amount, as this may prompt your memory. If you use a calendar or diary, check what you were doing on the day of the transaction (include dates either side, as it’s not uncommon for there to be a delay from when you make a purchase, to when it shows on your account).

The goods received are not as described:

Check the merchant’s return policy. This policy should be clearly displayed in-store or on the sales voucher.

Important: In face to face transaction environments, always inspect the goods carefully before purchase. Furthermore, obtain a detailed description of the goods/services on an invoice before/with payment wherever possible.

The goods or services are not received/rendered:

Double check the expected date of delivery, as you are unable to initiate a transaction dispute if this date has not yet passed.

If you purchased the goods from overseas, consider whether the goods could have been confiscated by Australian Customs. Refer to the Australian Custom website for more information.

Important: Before making purchases from overseas merchants, familiarise yourself with Australian customs rules. When you are having goods delivered (domestically or internationally), always obtain written confirmation of the expected delivery date.

The transaction amount on my statement differs from my receipt:

This usually happens when you have made a purchase overseas or the merchant is based overseas. Foreign currency exchange rates change daily and therefore the amount you pay may differ depending on exactly when you make a purchase.

I do not remember making a purchase on the date reflected in my statement:

As with scenario one, think back to the date and dollar amount to help prompt your memory. If there are any supplementary cardholders on your account, be sure to check with them.

Finally, it’s not uncommon for there to be a delay from when you make a purchase, to when it shows on your account. Please consider purchases you may have made a few days either side of the transaction date on your statement.

If you have considered the above scenarios and are still questioning one or more transactions on your account, please call us immediately so we can investigate the issue and if required, block your card/account to prevent further unauthorised purchases. If you would like more information on the transaction dispute process, download our Transaction Dispute Guide.

No, if there’s a fraudulent transaction on your Latitude 28° Global Platinum Mastercard, you will not be held liable if you have not contributed to the loss and notified us promptly of the theft, loss or misuse of your card/account. You also need to have abided by the Conditions of Use (COU).

If you have a dispute about your interest free transaction – for example, you have been given the incorrect promotion or interest free period, please feel free to contact us on 1300 552 079 and we will try to resolve the issue.

The foreign exchange rate is calculated by Mastercard International on a daily basis according to daily foreign exchange fluctuations. The conversion will consist of two calculations if the transaction is made in foreign currency – it will first be converted to US dollars and then converted to Australian dollars for listing on your transactions. You can calculate the conversion rate using the Mastercard currency conversion tool

Subject to your available credit and cash limit, 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.) The details of your cash limit can be found on your latest statement or by logging on to the Online Service Centre.

You can get set up with Global Data Roaming with Flexiroam in just three easy steps:

• Step 1: Download Flexiroam app

• Step 2: Select your Starter Pack

• Step 3: Activate your data plan

Our article Ready, Jet-set, Go: How to get free Global Data Roaming for your next trip is a handy guide for setting up ahead of your next overseas trip. For any pointy questions, you'll find more information in Flexiroam's in-depth FAQ page.

In some countries Mastercard is not accepted – current list of includes (this is subject to continual change please check before you start your trip).

• Cuba

• Syria

• North Korea

• Sudan

• Iraq

It's as safe as any chip-enabled credit card. You only get billed for the purchases you make. Your 28 Degrees travel credit card never leaves your hand when you Tap & Go™ so you are always in control. And, should the worst happen and someone else uses your card, with secure encryption technology and Zero Liability protection, Mastercard and our security systems continue to protect you from unauthorised transactions. If you would like to know more about Zero Liability, visit mastercard.com.au and click on zero liability.

To withdraw cash, insert your 28 Degrees travel credit card in the ATM, enter your PIN and select the Credit option.

This refers to any interest charges applied to cash advances, or to purchases that have not been paid in full within the interest free period offered for the 28 Degrees travel credit card.

Crypto currency transactions will be treated as cash equivalent transactions including where a merchant or card scheme identifies a transaction as a cash advance.

Withdrawing cash from an ATM overseas is treated as a cash advance. The fee charged is 3% of the cash advance or $4 AUD (whichever is greater).

Effective from 9 January 2024, the cash advance fee will increase from 3.0% of the cash advance or $4 whichever is greater to 3.5% of the cash advance or $4 whichever is greater. The maximum fee of $30 per transaction will be removed, as well as the ability to make a Direct Credit transfer.

No. No international transaction fees on purchases is a key feature of the 28 Degrees Global Platinum Mastercard.

Yes. You can use Apple Pay, Samsung Pay or Google Pay anywhere it's accepted.

You can authenticate your online purchases by selecting to receive the One Time Code (CTC) via SMS to your Australian SIM card, Latitude App or Latitude Service Centre.

You can also keep your Australian SIM card in your phone while overseas (and receive the One Time Code via SMS to your Australian SIM card) by using the Flexiroam eSIM. Our dedicated page and article Ready, Jet-set, Go: How to get free Global Data Roaming for your next trip is a handy guide for setting up ahead of your next overseas trip. For any pointy questions, you'll find more information in our Global Data Roaming FAQs.

Flexiroam Global Data Roaming gives you access to a global data network with over 580 telcos in more than 150 countries. If you're an eligible Latitude 28° Global Platinum Mastercard cardholder, you can choose from three SIM options (eSIM, SIM card or X-Microchip) and redeem a Promotional Data Plan with 3GB of free data for 15 days (per eligible card, per calendar year).

If you want to purchase additional data, you'll get a 15% discount if you pay with your Latitude 28° Global Platinum Mastercard credit card.

You can only use Flexiroam Global Data Roaming on one device at a time. If you're travelling with more than one device, you can move your SIM card or X-Microchip between them. It's a bit different if you're using an eSIM, which will only work in the device it was installed in. If the eSIM is uninstalled, it can't be reused. You can also share your data with another Flexiroam account user using FlexiShare.

You'll have access to a Flexiroam Promotional Data Plan once every calendar year as long as you hold an active, eligible Latitude 28° Global Platinum Mastercard credit card.

No, redemption of the Starter Pack and Promotional Data Plan won't cost you anything. If you redeem a SIM card or X-Microchip, we'll even cover shipping. (The eSIM is free too, and will be delivered as a QR code via email.)

The plans for additional data are all priced differently, but you'll get a 15% discount if you pay with your eligible Latitude 28° Global Platinum Mastercard credit card.

You can get set up in just three easy steps.

Step 1: Download Flexiroam app You'll need to register an account or log in using your mobile number or email address. Then, click on the ‘Check Eligibility' banner in the app's homepage and enter your eligible card number to redeem your Promotional Data Plan.

Step 2: Select your Starter Pack If you're a brand new Flexiroam user, you'll have a choice of 3 SIM types (AKA Flexiroam Starter Packs).

• eSIM is delivered as a QR code and will reach your email address within 1 hour.

• SIM card will be sent by post (with free shipping) and will arrive within 3–7 working days.

• X-Microchip will also be sent by post (with free shipping) and will arrive within 3–7 working days.

If you need a hand setting up your SIM, see the Flexiroam tutorial.

If you've already linked your account to an active Starter Pack, you can use your existing Flexiroam SIM.

Step 3: Activate your data plan Once you have linked your account to an active Starter Pack, you'll need to activate your Promotional Data Plan using the app. Here's how.

• Tap ‘Account'

• Select ‘My Plans'

• Locate 'Promotional Data Plan'

• Tap ‘Start Plan'

The Promotional Data Plan commences from the date you tap ‘Start Plan', so make sure you only start the plan when you are ready to use it.

No. Your Flexiroam data won't work on flights, but it will be ready to go when you reach your destination.

The Flexiroam eSIM gives you free Global Data Roaming while still keeping your Australian phone number, allowing you to still receive SMS via your Australian SIM. For example, when making large online purchases, Latitude will send you a One Time Passcode (OTP) verification via SMS to your Australian SIM. You will be able to receive this SMS to your Australian SIM with the Flexiroam eSIM. You won't be able to receive it with an international SIM.

Yes! Simply select the eSIM option and you can travel the world with free Global Data Roaming while keeping your Australian SIM card in your phone.

Yes. To use Flexiroam services, you'll need to enable the Flexiroam SIM and switch on data roaming. When you return home, you can turn off data roaming and eject the Flexiroam SIM card (or toggle off, if you're using a Flexiroam eSIM). The next time you travel, all you need to do is re-enable data roaming and your SIM.

You can redeem one Promotional Data Plan per eligible card, per calendar year.

There are three reasons why your redemption mightn't work:

• You entered an invalid card number.

• You entered a card number that's not enrolled in the Flexiroam program by the card issuer.

• You entered a card number that's already been used to redeem this offer.

Yes. If you want to cancel your order, contact mastercard@flexiroam.com with your invoice number, and the Flexiroam team will review your cancellation request.

You can manage your account via the handy Flexiroam app or by visiting Flexiroam website.

You can create one by following the steps under ‘How do I set up a Flexiroam account?' above.

You can find them in the Global Data Roaming redemption confirmation email you received when you first signed up.

Global Data Roaming by Flexiroam gives you access to over 580 telcos in more than 150 countries. They partner with multiple telecommunication partners in each country, whose technology ensures you're always connected to the best network no matter where you are.

To see the countries that are covered by Flexiroam, scroll to the bottom of the Flexiroam's website for a full rundown of destinations.

Our article 'Ready, Jet-set, Go: How to get free Global Data Roaming for your next trip' is a handy guide for setting up ahead of your next overseas trip. For any pointy questions, you'll find more information in Flexiroam's in-depth FAQ page.

You can reach the Customer Service team via email at mastercard@flexiroam.com, WhatsApp at +6013 204 7800. The team speak English and are available 24/7.

Flight Delay Pass is a unique service that offers complimentary airport lounge access in the event of a flight delay. Alternatively, if a lounge is unavailable, you can benefit from special dining offers at select cafes and restaurant¹.

If the airline announces a delay that meets or exceeds two hours, you will receive a LoungeKey™ pass providing access to a lounge or lounge alternative at the airport where you are delayed. LoungeKey™ gives you access to a network of over 1,000 airport lounges and lounge alternatives worldwide. Not all airports offer Flight Delay Pass and the selected airports may be restricted to certain terminals.

The benefit is available to the main passenger (Latitude 28° Global cardholder) and up to four travel companions. Once issued to a passenger, the LoungeKey™ pass is valid for 24 hours.

Delays are based on ‘gate' delay reporting from airlines and airports to Mastercard's third party flight data tracker, FlightStats, which reports all delays to the system. Lounge passes are triggered once a delay reaches the two-hour delay time, which can be announced in one go, or cumulative.

Flight Delay Pass is built to track most major commercial airline flights, however there are limitations against airlines/airports that do not report data regularly. Charter airlines are not supported.

¹ The Flight Delay Pass gives free access to select airport lounges, alternatively cardholders can use their Flight Delay Pass to offset a dollar amount off the total bill at select dining options. This will vary based on location and affiliated LoungeKey™ Partners at the time. Access to and use of the Flight Delay Pass is subject to the Terms of Use which are subject to change. Further details of the list of lounges that cardholders are eligible to visit and the specific conditions applicable to each lounge access (Conditions of Use) may also be accessed in the Terms of Use. Participating lounges and their Conditions of Use are subject to change.

Before travelling, simply register your flight online with the Latitude 28° Global Platinum Mastercard^® Flight Delay Pass service, by entering your Mastercard number online and completing the registration process. Each leg of a multi-leg journey requires its own separate flight registration.

It's important to use the same details you used to book your flight, as this will ensure your lounge pass matches your boarding pass. This will be validated at the lounge entry.

Once a flight has been scheduled, you can typically register up to 364 days in advance and right up to your flight's scheduled departure. Annnd relax!

Yes, the service is available to the main passenger (Latitude 28° Global cardholder) and up to four travel companions on the same flight.

The names of the travel companions must be entered as part of the registration journey and all individual passes will be sent to you. You may send passes on to your registered travel companions, who can then access the lounge without your presence, providing they have their lounge pass with them.

You will be eligible for the lounge pass when the following conditions have been met:

• You have registered the flight before your scheduled departure

• You must register each of your travel companions (maximum four per cardholders) individually for a lounge pass

• A delay of two hours or more is announced for your flight. The minimum two-hour delay can be announced in one go, or cumulative from a series of shorter delays

• Access to a lounge or lounge alternative, which is part of the LoungeKey™ network is available at your airport terminal when the delay occurs.

If you don't meet these criteria, you won't be able to complete the registration or receive your lounge pass.

This information can be accessed via:

• LoungeKey™ Finder website

• Customer Service Centre

Flights that are cancelled or rescheduled to the next day (24 hours after the flight's scheduled departure time) will not be deemed as delayed and will be handled by the airline directly via their own compensation process.

Lounge passes will be supplied providing a flight is recognised as being delayed by two hours or more in the system within a 24-hour period.

You may not receive a lounge pass if the system cannot trigger the lounge pass at the time of the delay. This could be due to network or other system problems. Once we have rectified the error, you will be issued with a lounge pass that you can use for a future visit, valid for up to six months.

The LoungeKey™ system will send you an SMS notification and a confirmation email with a PDF attached.

If you have registered travel companions, you will receive multiple PDF attachments in a single email, each PDF contains a LoungeKey™ pass with a unique QR code for participating lounges at your airport. You will also receive one SMS per passenger, each containing a unique LoungeKey™ code.

Use either the emailed QR code or the SMS code as verification when accessing lounges.

The LoungeKey™ pass also contains a link that can be used to look up lounge details, like location and access conditions of the lounges. Lounge information will also be included in the SMS notification to your registered mobile number.

Each individual lounge has its own policies and services. To find out more about a lounge, such as the admission of children, visit the following website https://loungefinder.loungekey.com/Pass.

You must refer to the Terms of Use as available on the Mastercard^® Flight Delay Pass website, prior to the initial registration for the use of Flight Delay Pass. The Conditions of Use are also included in the Terms of Use. These Terms of Use are subject to change.

Contact the Customer Service team via the available options found here.

A deleted email cannot be resent, but you can access your lounge pass via the SMS sent to you.

Please contact the Mastercard® Flight Delay Pass Customer Service team via the available options found here.

Once you have registered you cannot change any details. Instead, please cancel the registration and re-register. Please note this will only be allowed before your flight's scheduled departure. For further queries, contact the Mastercard^® Flight Delay Pass Customer Service team

If you have any further questions or are having trouble, please contact the Mastercard® Flight Delay Pass Customer Service team via the available options found here.

The Latitude Rewards Program rewards Latitude 28° Global Platinum Mastercard cardholders when they shop. You can redeem your Latitude Rewards for an e-gift card from participating retailers via the Latitude App and Latitude Service Centre. The e-gift card is issued by EonX Services Pty Ltd on behalf of Latitude.

To find out more about the Latitude Rewards Program, visit the Rewards page or see the Latitude Rewards Program Terms and Conditions

All Latitude 28° Global Platinum Mastercard cardholders can enjoy a $10 Latitude Reward every statement period when they spend $1,000 or more on eligible purchases using their 28° Platinum Mastercard within a statement period.

New customers from 29 May 2025 will get an additional $10 Latitude Reward each statement period when their total spend on eligible purchases in foreign currency reaches the equivalent of AUD $1,000 or more.

Eligible purchases exclude cash advances, cash equivalents, card fees, charges, credits, refunds, reimbursements, Shopper's Protection premiums, interest, and balance transfers.

Any transactions made by an additional cardholder will also contribute towards your required spend as the account holder However, your account must be open and not in default of the credit contract when the Latitude Rewards are issued. Refer to the Terms & Conditions to learn more.

Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Shopper's Protection premiums, interest and balance transfers into an account.

Yes, you can accumulate Latitude Rewards you earn each statement period to redeem later. Latitude Rewards expire 18 months from the date they have been issued.

Latitude will send an email notification about your Latitude Rewards which can be accessed and redeemed for an e-gift card via the Latitude App or Latitude Service Centre. The Latitude Rewards will be available in your Latitude Rewards Balance within 30 days from the end of your statement period.

1. Download or open the Latitude App or log onto the Latitude Service Centre.

2. Click on the “Benefits” tab.

3. Click on the 'Redeem now' button under the Latitude Rewards Program.

4. Use your Latitude Rewards to redeem an e-gift card at your preferred participating retailer. You can also use your participating Latitude credit card to purchase a portion or the total value of an e-gift card , allowing you to save your Latitude Rewards for a later redemption. Latitude Rewards expire 18 months from the date they have been issued.

5. Follow the prompts to check out.

The Latitude Rewards Balance is the available balance you have, to redeem for an e-gift card within the Latitude Rewards platform.

Your Latitude Rewards will expire 18 months from the date they have been issued.

No, Latitude Rewards are not transferrable.

No, Latitude Rewards are applied to your Latitude Rewards Balance accessible via the Latitude App or Latitude Service Centre which can be redeemed for an e-gift card from participating retailers.

Yes, you can use your participating Latitude credit card to purchase a portion or the total value of an e-gift card. Additional billing information is required when making a purchase.

You will have 30 days from the date your account is closed to redeem your remaining Latitude Rewards. Any remaining rewards balance will be forfeited after this period. To find out more, please refer to the Latitude Rewards Program Terms and Conditions

“My ePurchases” is where all your e-gift cards are stored once you have redeemed within the Latitude Rewards platform. Once redeemed, we will send you an email with your e-gift card details, however you can access all your redeemed e-gift cards directly from “My ePurchases”.

“My Activity” stores your redemption history and order details in an easy-to-use format.

You can check the balance of your e-gift card either via the retailer's website, or by calling the retailer's e-gift card support line.

To help you manage the balance on your e-gift card, you can also manually update the balance within “My Rewards” by entering the amount and clicking the “Update” button located on the e-gift card.

The balance of your e-gift card will not be automatically updated in “My Rewards” once you have used it to make a purchase.

The e-gift card expiration dates will vary depending on each retailer. You can check the expiration/validity periods of each e-gift card by selecting a retailer and checking the “Validity Period” of the e-gift card.

You can view your order history under “My Activity” via “My Rewards”.

All purchased e-gift cards are sent to “My Rewards” on the Latitude Rewards platform and emailed as well.

Log into the platform then simply click on “My ePurchases” via “My Rewards” to locate your purchased e-gift cards.

After your order is processed, you will receive a confirmation email. You can also access e-gift cards under “My ePurchases” in “My Rewards”. Although we make best efforts for instant delivery, this may take up to 72 hours to appear in “My Rewards”.

Once an order has been processed and your e-gift card has been dispatched, we are not able to provide a refund. All e-gift cards are to be treated as cash once they have been purchased. Please refer to the e-gift card terms and conditions on the Latitude Rewards platform.

All deleted e-gift cards can be accessed by clicking the “Reload” button in “My ePurchases” via “My Rewards”.

If you have not yet received your e-gift card, please email our Customer Support Team by clicking “Help” at the bottom of the Latitude Rewards platform.

You can update your profile details via the Latitude Service Centre or Latitude App and this will update automatically in the platform the next time you log in. You cannot update your profile details in the Latitude Rewards platform.

Contact Us if you have any further questions about your Latitude Rewards account or see the EonX FAQs for more information about the e-gift card which is accessible by clicking on “FAQ” in the icon in the bottom left corner of the Latitude Rewards platform.

As a Latitude 28° Global Platinum Mastercard credit cardholder, you can access:

• Complimentary Purchase Protection Insurance that covers the loss of purchases due to accidental damage or theft — up to $1,500.

• Complimentary E-Commerce Protection Insurance that covers the non-delivery and/or incomplete delivery of online purchases — up to $1,500.

This is a limited summary only. For the full list of benefits and the terms, conditions exclusions, limits, applicable sub-limits and excesses that apply, see the complimentary E-Commerce Purchase Protection terms and conditions and Purchase Protection terms and conditions.

You can make an insurance claim here or send a notification to AIG Australia Limited to obtain a claim form and instructions on what to do after a loss.

The contact details are set out below: AIG Australia Limited Level 19, 2 Park Street Sydney, NSW 2000 Australia Tel: +61395224111 Customer Service Operating Hours: Monday to Friday 8:30AM to 5:30PM AEST Email: APAC.Mastercard@aig.com For more information, see the complimentary E-Commerce Purchase Protection terms and conditions and Purchase Protection terms and conditions.

• Speak to AIG Complaints team The complaints team at AIG can be contacted on 1800 339 669. To get the best out of your call, please have your policy and/or claim number available and any specific information about the issue.

• Provide your feedback in writing If you would prefer to provide your feedback or complaint in writing you can do so by lodging your complaint on AIG website, or by writing to: The Complaints Team AIG Australia Limited Level 13, 717 Bourke Street Docklands VIC 3008 Email:

  aucomplaints@aig.com

Choosing the right credit card product for your actual needs and uses is not necessarily a set and forget decision. Latitude encourages you to review your requirements regularly. Latitude has a range of credit cards from Interest Free to Travel so the choice is yours.

An overview of Latitude's credit cards can be found here. Use the drop down to compare different cards by category such as: Interest Free, Low Interest Rate and Travel.

The government's MoneySmart website is a valuable resource to learn more about borrowing and credit.

The easiest way to change cards is to pay your account in full and close your existing account. You will then need to apply for the card you want – a full assessment is required when you apply.