28 Degrees Vs Citibank for overseas traveling?

Will be travelling to Hawaii in May and Nepal possibly in October.

What is the best card to use?

I have read that some people use both cards, 28 card for credit transactions and Citibank card for ATM withdrawal.

What are your experiences / opinions?

Thanks :)

Comments

  • +4 votes

    both cards ——-> i signed up to the citibank plus account 20 minutes ago for a japan trip in a month. hopefully have the card in about 10 days.

    28 degrees used to be the only card worth taking overseas but since they introduced atm withdrawal fees i've barely touched it.

    that said, my wife's 28 degrees card was skimmed in HK a month ago, and they were quick to block it - so always have a backup card or two!

    •  

      Thanks! I'll sign up for a Citibank card now :)

      Enjoy your trip!

    •  

      Yeah 28 Degrees is great as a CC particularly where there's a danger of skimming. At least then you don't lose your own money. I had mine skimmed (as well as my CBA CC) and their response was blindly quick compared to CBA's.

      When I travel I use the 28 Degrees card for purchases and the Citibank card for ATMs.

  •  

    I have used 28 degrees for credit and Citibank for ATM on several overseas trips and it works perfectly.
    I'd recommend this set-up to anyone.

    •  

      Thanks!

      Do you use either card when here in Australia or only overseas?

      • +1 vote

        I never use my Citibank in Aus - but I regularly use my 28 degrees when I shop online.

      •  

        It might be worth making at least one transaction (even a $1 transfer between savings and transaction accounts using online banking) on the Citibank card every few months because they deactivate the card after some idle time (possibly 1 year) then you have to reactivate.

  •  
  •  

    I remember there is a card that is similar to the 28 degrees but has travel insurance attached.

    Anyone know what it is ?

    •  

      Bankwest?

      •  

        Yeah I think that was it

  •  

    Just a note about Citibank. A firm they contract in the Phillipines will start calling you onbehalf of Citibank to offer you credit cards.

    You can call Citibank to be removed from the list.

  • +1 vote

    I'm using this setup:

    Withdrawals - Bankwest Qantas Transaction account > 2.95% transaction fee but NO ATM fee
    Purchases - Bankwest Zero Platinum CC > No foreign transaction fee and no annual fee

    Works very well for me, and all my money is at one place also their customer service is very good(Australian based)

    Can only recommend.

    FYI if you want to get platinum credit card is better to go to branch their online application system generally won't give it to you(that's what they told me) but at branch they do the application for you and if at any case you still not qualify they will call credit manager and manually put you on higher limit($6,000+) for platinum card.

    •  

      I don't know how they dictate no ATM fee when the ATMs set those fees.

      •  

        They don't. They guarantee that they won't charge a fee for using an overseas ATM. They don't guarantee that the overseas ATM operator won't.

  •  

    This is different tho, some ATMs overseas do charge fee and some do not this is just about you finding out which one does not as you usually get message telling you what the fee is prior withdrawing $$$

    For example ANZ transaction account charges 3%+$5 ATM Fee whereas Bankwest only charge 2.95% and no ATM fee

    • +2 votes

      Citibank Plus has no percentage and no ATM fee.

      I'd rather keep my 3%.

      •  

        Me too. Why give away 3% of your money?

  • -3 votes

    Citibank charges International Transaction Fee 2.50%

    https://www.citibank.com.au/global_docs/pdf/Feesandcharges.p...

  •  

    Agree with most above. Set up a Citibank Plus account, use the debit card for ATM withdrawals. And then 28 degrees for credit card purchases. Did this on a recent trip to Malaysia, Macau and Hong Kong. No fees on either card. Conversion rates as good or better than local dealers. Highly recommend both. And they're both free to setup.

  •  

    I'd say the Bankwest Zero Platinum is better than the 28 Degrees for travelling because it has complimentary travel insurance. 28 Degrees is so 2013.

    •  

      I always get my own travel insurance. The travel insurance with free CCs are ok but you can't change them to suit your needs. Also if you have a preexisting condition then the freebies give you no medical. It's good to have but I wouldn't rely on it.

    •  

      I would go the BankWest Qantas MasterCard Platinum - $160 annual fee, but 50k points, and can then earn points on all that overseas spending while not paying transaction fees.

  •  

    does anyone know if you can view the authorisations for the citiplus visa debit card or do you have to wait for a transaction?

    the citibank online banking site is pretty bad.

  • +1 vote

    I got a citibank for overseas travel and was great. Back here I never really used it. Then I noticed at 'Kitchen' @ Treasury Casino they had the free wine deal (for paying with any citibank card). Went there and got the eye fillets !$15 and bolognese $17 and the free bottle of wine which they were selling for $45. Was a good wine. so $32 all up. Super good. Also turns out there are quite a few of the restaurants around where you can get the free wine.