I agree this is a great card. We used this also when travelling last year. The only thing you have to watch is when you are at a foreign ATM make sure you can do the transaction in English. At one airport the machine was stuck on German and we just had to take a guess based on where the buttons were.

Also, if it asks you if you want to currency convert, say no because if you've loaded it with pounds or euros etc then it will convert those into Aust. dollars and back again and you'll probably lose out on the value.

I found it also didn't work with a pin at some smaller places like supermarkets in rural England and you always had to sign ... which was okay because half the time I couldn't remember the pin anyway.

But I think it's a great way to take money overseas - all those messy transfers and back to traveller's cheques of the past seems so clunky now.

Don't remember having any trouble applying, but we had other banking products with the bank at the time.

This is a great credit card service and not easy to get approved.

My husband has one and I am an additional card holder, we have had this for over 5 years and loving it especially great if you travel overseas a lot.

As mentioned by previous reviewer, apart from the NO conversion fee, NO forex transaction fee, you can also top up your credit card and use as a debit card overseas. For example if your 28 degrees card has $2,000 limit, you can add $500 top up and use your own money overseas instead of using 28 degrees money.

Not easy to get approved though, I tried applying on my own but was rejected. Although I was approved by other banks for a credit card with similar amount.

28 degree's is the best travelling credit card

With NO
-International transaction fees
-Currency conversion fees
-Overseas cash withdrawal fees*

* For domestic ATM withdrawals, there is no ATM owner fee for cash withdrawals from
Westpac ATM's but you may be charged owner fees from non Westpac ATM's. You will be advised of the charge at the time of withdrawal.
* For overseas ATM cash withdrawals, you may be charged ATM owner fees but you will be advised of the charge at the time of the withdrawal.

Approximate cost: $0