I usually put money in my 28 degrees mastercard account, so I can withdraw my own cash in Bali, obtaining a great exchange rate and avoiding fees. However I have just found out that there will be a new cash advance fee charged from 1 January 2014. The fee is 3% of the cash advance or $4 (whichever is greater). E.g. withdraw $1,000 and the fee would be $30.
From the 28degrees FAQ:
"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."
So I will no longer be able to withdraw my money without fees. Does anyone know of another card that could be used for this purpose?