澳洲28度卡不再是神卡，刚接到通知，不懂！

在澳大利亚个人理财



刚接到EMAIL通知如下。是不是28度卡的CASH ADVANCE海外提现金也是要交3%的费用啊？2014年1月1日生效，那28度卡已近不能海外优惠提取现金啊。

Dear MR,


This email is to inform you of changes to your 28 Degrees MasterCard.
•
A cash advance fee of 3% of the cash advance or $4 (whichever is greater) will be charged to the account on each occasion on which you obtain a cash advance or make a cash equivalent transaction (except that if the cash advance is made by a direct transfer to a bank account nominated by you, this fee will not exceed $30 for that transaction).



•
Clause 45 of the Conditions of Use and Credit Guide is amended by:





Adding the following to the definition of cash advance balance:



"cash advance related fees and charges debited to the account."



Amending the definition of general fees as follows:



"general fees means all fees and charges (included in the financial table or clause 10), which are debited to your account, but excluding cash advance related fees and non-interest bearing fees."




These changes will take effect on January 1, 2014. It's important to be aware of them, even though you may not be impacted. We are making these changes to ensure that we can continue to offer you the key benefits of your card, including:

No international transaction fees on purchases
No currency conversion fees
No annual fee

These benefits continue to make your 28 Degrees MasterCard the savvy option to help you shop smarter, online and overseas.

Need more information? Please refer to the FAQs page on the 28 Degrees MasterCard site.

Yours sincerely,

The 28 Degrees MasterCard Team


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28 Degrees

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这样的话还要这个卡有什么意义，考虑取消中


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如果是真的， 应该是发信件通知的吧？

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之前不是已经说了一段时间啦，马上海外去现在要surcharge了

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positive

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海外购物是不是还能用？

也许还有保留的意义

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不能海外提现，任何credit card提现都收钱。

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哪里提到不能海外提现了？

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借帖子问问，很多人说 用 BANK West 的 Platinum Credit card 一样没有 Foreign Transaction Fee, 怎么能够申请的时候，只要 Platinum card 呢， 试着申请可一下在网上，没这个选项呀。

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木有收到消息，估计也快了。

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只取自己先放在卡里面的钱也叫Cash Advance吗？ 这个定义不清楚。

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本来还想办。。现在没这意愿了

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只取自己先放在卡里面的钱也叫Cash Advance吗？ 我个人觉得是的，无论澳洲还是海外提现金都是CASH ADVANCE，请高人确认一下。

那只能网购海外的东西了。

另外生效的日期是2014年1月1日。

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还有人收到这个消息吗？只取自己先放在卡里面的钱也叫Cash Advance吗？

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http://www.28degreescard.com.au/faqs/cash-advance-fee.html

Cash advance fee faqs
Will I be charged if I make a cash advance?
As of January 1, 2014, a cash advance fee of 3% of the cash advance or $4 (whichever is greater) will be charged to the account on each occasion on which you obtain a cash advance or make a cash equivalent transaction (except that if the cash advance is made by a direct transfer to a bank account nominated by you, this fee will not exceed $30 for that transaction).
Please note that some ATM operators may also charge an additional fee that will be deducted from your card balance. Not all ATM operators advise of this additional fee, or the amount, before you withdraw money from their ATM.

Will I be charged a cash advance fee if my card has a positive balance?
Yes, you will still be charged a cash advance fee if you withdraw cash from your 28 Degrees MasterCard even if the card has a positive credit balance. We do not recommend that you load your card into credit as this is not the intended purpose of the card.

Can I still use my card for purchases without being charged an international transaction fee?
Yes. There is still no international transaction fee on overseas purchases. This includes credit card transactions at places like retail stores and restaurants, as well as online shopping from overseas websites.

Does the cash advance fee apply within Australia or just overseas?
The cash advance fee applies both in Australia and overseas.

Does this fee only apply to withdrawing cash from ATMs?
This fee will apply to over the counter cash advances, withdrawals from ATMs or when a customer makes a cash equivalent transaction (e.g direct transfer to a bank account).

How will this fee appear on my statement?
A cash advance fee will appear on your statement at the end of your billing cycle and in your recent transactions on the Online Service Centre as “Cash Advance Fee”.

How can I continue to benefit from using my 28 Degrees MasterCard?
28 Degrees MasterCard is great for customers who are looking for a card that will provide them with the flexibility of making overseas and domestic transactions. Customers who frequently travel or shop online can still enjoy the benefit of no international transaction fees on their purchases (for example, if you pay for a retail or dining purchase with your 28 Degrees MasterCard instead of paying by cash while you are overseas, you will still enjoy the benefit of no international transaction fees on your purchase).

In addition, 28 Degrees MasterCard customers enjoy the benefit of no annual fee, no currency conversion fees, fraud protection and up to 55 days interest free on purchases1.

Will I be charged interest on my cash advance fee?
Interest will be charged on the cash advance fee on a daily basis from the date of the withdrawal. If your account is in credit, you will not be charged interest on the cash advance fee.

What is a cash equivalent transaction?
A cash equivalent transaction means:

a purchase of traveller’s cheques or money orders;
a purchase of casino gambling chips or tokens;
a funds transfer debited to your account (except balance transfers);
a purchase of, or loading of value on, a pre-paid or stored-value card or facility; or
a transaction made through bill payment facilities where the supplier or financial institution does not accept direct payment by credit card (for example payment of bills through a third party or over the counter at a financial institution); or
other transactions that we notify you will be treated as cash equivalent transactions.
Is this fee capped?
There is no cap on the fee for cash advances from ATMs or over the counter cash advances. Direct credit cash advances will be capped at $30.

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还好还能购物 要不就一点用也没有啦

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不是什么好消息。

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刚刚才拿到卡...

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看了下bankwest网站，虽然没手续费，但是汇率不合适

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BANKWEST的卡参照的也是MASTERCARD的汇率啊，这点跟28度是一样的。

那现在海外取现用什么卡呢？CITIBANK的卡是不是在海外的CITIBANK ATM上取现是免手续费的？

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要海外拉卡再收费的话估计这个卡也办不下去了。。呵呵

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没意义了吧，cancel了吧，如果是真的话
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