I feel your pain John! .... we were also very disappointed by the 28 degrees policy change.
We are also aussies and are on the road at the moment. We use the citibank plus visa debit card for making withdrawals from atms. We use the 28 degrees card when we want to use actual credit such as making online bookings or paying for a meal at a restaurant.
The other tip I can share is keep an eye on the fees that the individual atms charge in each country. Sometimes the fees are so hi (I talking to you Thailand!) that it's cheaper to pay a restaurants surcharge for using a credit card, than to pay with cash. about 5 years ago