28 degrees card notify overseas travel

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Travelling overseas

Let us know you’re going overseas

Planning your trip and getting ready to travel

• Ready to book your trip? Book your trip with a Westpac Rewards credit card  and you could get  complimentary travel insurance 3  included (make sure you read the exclusion and policy terms first)
• No matter where you are, it’s easy to find the nearest Global ATM Alliance ATM with the ATM locator in the Westpac App.
• Keep an eye on the exchange rate  for where you’re going regularly before you go – if the rate is in your favour you can lock it in with a travel money card
• There are a few countries where Westpac Group cards can’t be used due to economic and trade sanctions (Cuba, Crimea, Donetsk and Luhansk regions of Ukraine, Iran, North Korea, Russia, Sudan and Syria). To arrange alternative payment options visit a Westpac branch.  Find out more
• There are also some sanctioned jurisdictions where access to Westpac online services such as the Westpac App, Online Banking and Corporate Online are not available. ​See the full list of locations .
• Always let us know when you’re travelling overseas and where you’re going. That way we’ll be able to keep an eye out for suspicious activity. 

How to notify us you’re going overseas

In the westpac app.

• ​Search Notify of overseas travel in the Smart Search bar
• Add travel dates, country and contact details
• Select your contact number and email while you’re away (optional)
• Tap Send notification

In Online Banking

• Go to Service > Services
• Select Notify going overseas under Card Services
• Select your departure and return dates
• Select the countries you’re travelling to
• Add your contact number and email while you’re away
• Select Notify going overseas

Or contact us by calling the number on the back of your card, or visiting your nearest branch . 

While you’re away

• Getting cash out while you’re away? If you use an ATM from the Global ATM Alliance network , you won’t pay any ATM withdrawal fee. 1
• Avoid paying 3% transaction fees when using either our Westpac Lite Credit Card 2 , Flex Card  or our Worldwide Wallet  whilst abroad.
• Use the Westpac App to easily manage any currencies you have on your travel money card on the go. 
• If your card is lost or stolen while you’re away, you can lock it instantly in Online Banking or the Westpac App. You can call us from overseas to report your card lost or stolen 24/7 on  +612 9155 7700 . 
• Where possible, use a PIN instead of your signature to verify credit card purchases. Westpac credit cards  are protected by CardShield™, which includes fraud detection, Online Protection and CHIP security features. 

Travel money card

Our  Worldwide Wallet is a reloadable card you can use to make payments and access cash wherever Mastercard® is accepted.

• More about our Worldwide Wallet

Travel insurance

Be ready for unexpected events when you're away from home.

• More about travel insurance

Saving for a holiday?

A Westpac Life savings account can help you stay focussed with a dedicated holiday savings goal. Not only does it pay a competitive base rate, you’ll also be rewarded with bonus interest each month you grow your balance 4

• Find out more

Westpac personal loans

Dreaming of a holiday but don’t have quite enough to make it happen? A Westpac personal loan could help get you to your dream destination sooner.

Related articles & links

• Using your credit card overseas
• Travel money options
• Keeping money safe
• Handy Westpac apps when travelling
• Travelling overseas FAQs
• Smart Traveller - Federal Government information and advice about overseas travel risks 

Things you should know

Terms and conditions, fees and charges apply. Read the Product terms and conditions before making a decision.

4.  Bonus interest:  payable each month that you: make a deposit to the account, ensure the account balance is higher at the end than the beginning of the month, and keep the account balance above $0. For bonus interest qualification, a month is the period from close of business on the last business day of the prior month to close of business on the last business day of the current month.

Worldwide Wallet:

•   Argentina
•   Australia
•   Brasil
•   Česko
•   Canada
•   Deutschland
•   España
•   France
•   India
•   Italia
•   Magyarország
•   Malaysia
•   Nederland
•   New Zealand
•   Österreich
•   Polska
•   Portugal
•   România
•   Schweiz
•   Singapore
•   United Kingdom
•   United States
•   繁體中文 (香港)
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Travel Card Review: 28 Degrees MasterCard Vs Citibank Plus Transaction Account VS NAB Traveller

Home | Travel Card Review: 28 Degrees MasterCard Vs Citibank Plus Transaction Account VS NAB Traveller

Oscar Murray

Whether it’s holiday or business, when you travel overseas, you need to take money. Plastic cards make it easy without the bulge of a bum-bag hindering all that exploring. But what sort of plastic makes it easiest? If you’re choosing from a debit card, credit card or travel card, these tips might help make up your mind.

There are so many cards to choose from but here’s our analysis of three popular ones – 28 Degrees MasterCard, NAB Traveller and Citibank’s Plus Transaction Account.

28 Degrees MasterCard

This card promises $0 per annum in annual fees and up to 55 days of interest-free enjoyment on purchases. You’ll also be able to avoid paying for international transaction fees (and no annual fee charge, remember) – very handy knowledge when it comes to planning your travel adventure.

Of course, there is always a catch. That wonderful holiday or lucrative business deal could quickly become stressful when you discover that, with the 55 days and your good intentions to pay on time, gone, the interest rate on purchases jumps to 20.99% per annum. The same interest rate applies to cash advances.

It’s important to note that using the 28 Degrees MasterCard as a debit card by topping it up with your own money will still attract the standard cash advance fee.

Although the 28 Degrees MasterCard doesn’t charge for international ATM withdrawals, ATM withdrawals attract a fee – either 3% of the cash advance or $4 (whichever amount is greater).

NAB Traveller

Travel cards are designed to be used overseas. You can pre-load funds onto the card before you leave Australia at a set exchange rate and hold multiple foreign currencies on the card at the one time. The benefit is that, unlike what is possible with debit and credit card, your foreign exchange rate can be locked in.

Because the card can be loaded with multiple international currencies, you are able to spend on your trip without worrying about incurring extra costs to cover conversion. Planning a trip to France? Load up the card with the Euro and you’ll also be spending Euros – avoiding all the conversion fees. Easy!

Other travel cards work similarly but many travel cards can attract additional fees for use at overseas ATMs. The NAB Traveller Card waives all international ATM fees so it’s easier on the pocket.

Beware the problem of using any travel card incorrectly. If you don’t have the right currency loaded on the card before you spend overseas, the conversion fees can be up to 8.00% of the transaction value (4% in the case of this particular card). Reload fees can also add up.

Citibank Plus Transaction Account

This transaction account has no foreign transaction fees and no monthly fees for account-keeping.

Maximum Rate: 0.00% p.a. Standard Variable Rate: 0.00% p.a. Bonus Rate: 0.00% p.a. Monthly Account Fees: $0 Minimum Balance: $0 Minimum Deposit: $0

While many transaction cards charge a flat fee for using international ATMs (often around AU$5), this Citibank product doesn’t charge for international transactions from an affiliated ATM, and a strong global presence means that finding an ATM you can withdraw from for free isn’t too hard.

Basic Travel Tips To Make Your Money Go Further:

Safeguarding your overseas spending.

Ever had the horror of identifying a fraudulent transaction on your account? Because some banks automatically block overseas transactions, you need to let them know of your travel plans. After all, there’s nothing worse than being trapped far from home and finding your card has been blocked by your bank home – leaving you stranded. [Description: itibank Plus Everyday Account]

Beware of ATM withdrawals

No matter what specific product you choose, in general terms, it can be cheaper to withdraw from an ATM with a travel card than it is by using a credit or debit card.

Currency Conversion rates Between Cards

Comparing the 28 Degrees MasterCard against the NAB Traveller Card – spending overseas on a $1000 purchase would see you with an extra $30 better, than if you had loaded the funds onto the NAB Traveller Card. Whatever card you choose for your next trip, comparing these fees and charges is a smart way to manage your holiday or business trip dollar.

Best Results for Travel Cards Overseas – Mix It Up

Different cards have different benefits but by knowing the basic differences, you’ll be able to make a clearer decision about what works for you. Use one when the time is right and use another if the situation saves you money. When it comes to issues around travel and money, flexibility can bring great rewards.

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Free comprehensive travel insurance now available on the Latitude 28° Global Platinum Mastercard®

Latitude Financial today launched free comprehensive travel insurance for Latitude 28° Global Platinum Mastercard ® customers and their eligible family members, providing benefits if they contract COVID-19 while travelling.

For a limited time until 31 March 2022, customers booking travel will automatically unlock free domestic and comprehensive international no-excess travel insurance when they spend $1,000 or more on flights using their Latitude 28° Global.

The free comprehensive international protection includes Travel Accident, Travel Medical Benefits, Trip Inconvenience Protection, Baggage Protection and Assistance Department Services. 

The coverage related to contracting COVID-19 includes:

• covered medical expenses of up to $700,000 per person if you contract COVID-19 during an overseas covered trip and require treatment;
• non-refundable travel and accommodation deposits if you contract COVID-19 and a doctor certifies you unfit to commence or continue a covered trip;
• administrative costs of postponing a covered trip if just before departure COVID-19 forces you into compulsory quarantine.
• travel disruption due to border closures, such as the cost of additional accommodation or missed flights;
• additional costs due to quarantine.

“Travel is particularly important to our Latitude 28° Global customers and after almost two years of closed borders we are excited to support their adventures by providing comprehensive travel insurance for a limited period, on top of no annual fee and no international transaction or currency conversion fees.”

The coverage is activated for 12 months from the initial purchase of $1,000 or more on flights booked directly with an airline or travel agent in a single transaction. Other trips within this period can be covered if the entire cost of all flights is paid on Latitude 28° Global. These trips are covered if they’re up to 180 days long and completed within the original 12-month period.

For more details on the coverage in this comprehensive travel insurance, full policy details (including the terms, conditions, limits and exclusions) are available at www.28degreescard.com.au/insurance

The launch of free comprehensive travel on Latitude 28° Global, which has no annual fees, comes ahead of an expected travel boom this summer and across 2022.

Google statistics show searches for the term “travel insurance” in Australia reached a 12-month high in November as Australians seek to protect their plans.

A Latitude survey has found Australians want to travel in greater numbers than ever as borders reopen, with as many as 80 per cent planning a trip this summer.

Catching up with family and friends is the principal driver of people’s holiday plans, with the survey of 1000 Australians showing 91 per cent of respondents are looking forward to connecting with loved ones.

Holiday makers are also wanting adventure after two years of COVID-19 disruption spent in the sanctuary of their home. Seventy-six per cent of travellers are seeking active holidays, particularly where they can experience the great outdoors.

While most Australians are planning domestic travel (79 per cent), half of 18-44 year olds surveyed want to travel overseas as soon as they can, especially as more international destinations open up to fully vaccinated travellers.

Media contact

Mark Gardy [email protected] +61 412 376 817

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