Westpac Earth Card – Details & Application
The Westpac Earth card can offer customers the benefit of accumulating Qantas frequent flyer points on purchases quickly.
The Westpac Earth card gives you a choice of either a Visa Card or a MasterCard, and then you automatically get an American Express card linked to your account.
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0.99% p.a. for 6 months |
|---|---|---|
| Interest Rate on Purchases | |
19.99% p.a. |
| Annual Fee | |
$75 |
| Interest Free Period | |
up to 45 days |
| Cash Advance Rate | |
21.49% p.a. |
| Card Type | |
Standard |
| Credit Card Type | |
American Express/MasterCard |
| Rewards Program | |
Yes |
Both cards share the same credit limit and the same statements, but you have the choice of using either at any time.
When you purchase using your American Express card, you can earn 1 Qantas frequent flyer point per $1 spent. However, you’ll earn 0.5 points per $1 spent on your Visa or MasterCard.
You can also earn points twice on the same purchase simply by spending with Qantas frequent flyer program partners. You earn points for spending with the partner and if you pay for your purchase using your credit card, you earn more points again.
Redeem your points for travel, flights, accommodation or other Qantas products and services. There’s no cap on the amount of points you can have, so save up your points for that special trip away or redeem them whenever you want.
The Westpac Earth card also offers a promotional 0.99% p.a. for 6 months on balance transfers. This means you could stop paying high interest on your old accounts when you transfer your balances over to Westpac. Put your interest savings towards repaying your credit card debt and you could find your balance shrinking faster than you thought possible.
Westpac Earth Card – Application
If you’re ready to apply for your Westpac Earth card and take advantage of the Qantas frequent flyer points program, then there are some things you need to know before you submit your application.
You will need to be older than 18 years of age at the time of application. You will also need to be an Australian Citizen or a permanent resident to qualify.
When you’re completing the application, you’ll need to enter your income details. You may need to verify the income amount you enter by providing pay slips or tax returns. You’ll also need to provide your employer’s address and contact details, or your accountant’s details, if you’re self-employed. Westpac may conduct a credit check on you to verify your credit history.
Your information is completely safe using Westpac’s secure online application program and your personal information will remain confidential. Once your application is approved, you should receive your cards in between 5 and 7 working days.
Read the official terms and conditions
| Minimum Income | Minimum Age | 18 years of age | |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $1,000 | Max Credit Limit | $30,000 |
| Annual Fee | $75 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | Purchase Date |
| Late Payment Fee | $9 | Over Limit Fee | $9 |
| Overseas Emergency Replacement | $0 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $2.5 | Foreign Currency Conversion Fee |
| Rewards Points per Dollar | AMEX:1 MCARD:0.5 Point(s) | Points needed for Syd/Mel Return Flight | 25000 |
| Points needed for $100 Voucher | 13500 |
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