Highlights
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Additional cards available (linked to primary card holder)
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Alternative card available, e.g. Visa or MasterCard
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Balance transfer rate applies for 8 months
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Balance transfer rate: 1.99% p.a.
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Fraud monitoring
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Interest free period: up to 45 days on retail purchases
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Online purchase security
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Points required to earn $100 gift voucher: 13,500
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Post purchase protection on purchases
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Rewards points on Qantas services: up to 2 per dollar spent
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Rewards points: up to 1 per dollar spent
Other Features
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Cash advance rate: 20.64% p.a.
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Interest rate: 19.14% p.a. on purchases
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MasterCard Moments program
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Minimum credit limit: $5,000
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Minimum spend to earn $100 gift voucher: $13,500
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Rewards pogram: Direct Earn Qantas Frequent Flyer
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View account details online
Benefits of the Earth Gold Credit Card...
Complimentary Overseas Travel Insurance
Overseas travel insurance for trips of up to three months for you, your spouse and certain dependent children travelling with you when you purchase your travel on this credit card. This covers medical expenses incurred overseas and for loss or damage to your personal goods, including baggage and traveller’s cheques and credit cards taken with you on your journey for personal use. This includes transit accident insurance overseas if you purchase your transit ticket (i.e. train / plane / bus / ferry) with your Earth card.
Complimentary Extended Warranty Insurance Cover
Extends the manufacturer’s expressed Australian warranty of between 6 months and 4 years by up to 12 months, on certain new personal goods purchased with this credit card.
Complimentary Purchase Security Insurance Cover
Provides three months cover for loss, theft or accidental damage over a wide range of new personal goods purchased with your earth gold credit card.
Mastercard® Applause™, American Express Selects®
As an Earth Gold Cardholder, you will be eligible to take advantage the Mastercard Applause program and the American Express Selects program to get access to special tickets and events.
What does Earth Mean?
The Earth Cards from Westpac are credit cards designed for earning points to travel the Earth with the Qantas Frequent Flyer program.
Two Cards for Additional Points / Maximum Acceptance.
With this credit card, you receive two cards linked to the same account.
With your Westpac Earth American Express Card, you can earn the maximum level of rewards points with your purchases.
With your Westpac Earth MasterCard you can earn less points per dollar and you can use this card in a wider number of locations.
Fraud Alert
This card uses the Westpac Fraud Protection team where every transaction on this credit card is monitored for irregular activity and specialists are used to identify this and you will be contacted if suspicious activity is detected.
Balance Transfer
Transfer Your Balance with this Credit Card
To be able to transfer your balance at the low interest rate on this card, you must be apply for the balance transfer at the time of the application. Transfers after the application are at the same rate as purchases.
Interest Free Days
The Interest Free days on this credit card are published in the key features section on this page.
Rewards & The Qantas Frequent Flyer Program
Direct Earn - Automatic Transfer of Points to Qantas Frequent Flyer
This is a direct earn Qantas Frequent Flyer card and points are automatically transferred to your Qantas Frequent Flyer account (you will need to establish an account with Qantas if you don't have one already).
You have un-capped Qantas Frequent Flyer points earning potential with this card.
Maximum Points Potential - Points Earned with your Westpac Earth American Express Card
Use your American Express card to earn maximum points per $1 spent on purchases using your Westpac Earth American Express® credit card.
Points Earned with your Westpac Earth Mastercard
Use your Mastercard to earn points in maximum locations using your Westpac Earth Visa credit card.
Value of Rewards Points
13,500 rewards points are required to redeem a $100 gift card or shopping voucher. You will need to spend approximately $13,500 to earn this number of rewards points.
This credit card is subject to the full terms and conditions of the issuer.