I was thinking about getting a 28degrees mastercard, but the likelyhood of me getting one is low due to student who barely works. So the alternative i thought of was just the citibank plus. Is there really any difference between the two? besides one being a credit card and the other everyday debit card? and the shoppers protection insurance with the 28degrees? Would citibank plus be just as good for me to travel with?
Cheers guys.
If you're not earning a stable income you're unlikely to be accepted for a 28 degrees mastercard. I know because last year when I was studying and working every now and then they did not accept my application.
Back then however, I did get the NAB gold card which did the same and also had free travel insurance bundled in. I used it on my most recent 5 month trip through Europe and had no troubles whatsoever, but given they're stripping away the free withdrawal/transactions next month, I've just opened up a citibank plus account. Doesn't come with free travel insurance or purchase insurance, but is fee free and there's also the citibank dining program which is good if you dine at those restaurants.
Similar story with me. Full time student who works weekends, which I get paid penalty rates for and my application was accepted.
Then when I sent in proof of income I was rejected because they only count your regular pay rate, not penalty even though I had been earning the same amount every week for over 4 years.
If you already have the Citibank Plus is there any need to get the 28Degrees Charge
28degrees is useful for overseas CC purchases.
However you can use the Citibank card anywhere visa is accepted, so it is perfectly fine for doing credit purchases overseas (if you don't wish to apply for the 28 card due to it being an actual credit card or something).
Both don't have a foreign purchase/withdrawal fee. From what I've heard, the exchange rate is incredibly similar with both.
So no, not really. Given both the cards, If I were travelling I'd probably prefer to use the Citi card for withdrawing cash and the 28deg for purchases.