Westpac Earth Credit Card
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A lot of people are choosing the Earth credit card because of its association with Qantas Airlines and the incredible deals you can get if you are a Frequent Flyer. Here are some of the most important questions about these Earth cards, and their answers.
Westpac allows cardholders to earn Qantas Frequent Flyer miles simply by using the Westpac Earth card for their everyday purchases.
| Product Name | Westpac Earth Classic | |
|---|---|---|
| Balance Transfer Rate | 0.99% p.a. for 6 months | |
| Interest Rate on Purchases | 19.99% p.a. | |
| Offer end date | 1 July 2013 | |
| Annual Fee | $75 p.a. | |
| Interest Free Period | up to 45 days | |
| Interest Rate on Cash Advances | 21.49% p.a. | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$1,000 | |
| Max Credit Limit | $30,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | American Express/MasterCard | |
| Late Payment Fee | $9 | |
| Available to Temporary Residents | Yes | |
| Joint Application | No |
About Westpac
Westpac is the third largest credit card provider in Australia and offers a wide range of credit cards to consumers, including cards with low interest rates and a great rewards program. One of the top credit card providers in Australia, Westpac is also Australia’s first and oldest bank. It was established in 1817 as the Bank of New South Wales. These days Westpac offers customers modern financial benefits and great customer service. Among Westpac’s credit card offerings are “premium” cards which offer consumers great reward options, as well as inexpensive low rate cards with very competitive annual interest rates. Westpac also offers a range of balance transfer cards that offer low rates on any balance transfers made.
More about the Westpac Earth Card
Cardholders who use the Westpac Earth Credit Card are able to use both a MasterCard and an American Express card on the same account. This gives cardholders greater potential to earn more points in the rewards program.
Some of the lowest rates. On Earth.
- Pay just 19.99% p.a. on purchases
- Up to 45 days interest free on purchases
- A tiny rate on balance transfers of 0.99% p.a. for 6 months
- Plus pay a low annual fee of just $75 p.a.
- Qantas Frequent Flyer points. On Earth. Earth gives you:
- 1.00 point for every $1 you spend on your Earth American Express® Card – which gives you maximum points.
- 0.50 point for every $1 you spend on your Earth MasterCard® card
- Accepted at over 25 million locations worldwide.
- An extra point for every $1 you spend on certain Qantas services Free Qantas Frequent Flyer membership, saving you $82.50 on the joining fee
The Qantas Frequent Flyer program is one of the most popular travel rewards programs and is favored by most frequent travellers, since their allocation of airline miles is very generous.
Cardholders are able to double their points earned with the Westpac Earth Credit Card by using the American Express card. If you are interested in earning great travel rewards, especially Qantas Frequent Flyer miles, the Westpac Earth Card would be the top credit card for you.
Of course, reward points earned on this card can also be used to obtain rewards other than Qantas Frequent Flyer miles, and if you prefer to do so you can obtain other benefits from your reward points.
Cardholders can also earn points twice as fast by spending at the Qantas Frequent Flyer program partners. In addition, cardholders enjoy peace of mind by using a card linked to Westpac, the oldest bank in Australia.
Earth Credit Card FAQs
What is the difference between an Earth credit card and other cards?
All three of the Earth cards, which are available as the Westpac Earth, the Earth Platinum and the Earth Platinum, give you two cards which let you earn more points because they are both linked to one account. These cards are accepted worldwide and you will only receive one annual fee, the same rate of interest, one credit limit, and one statement for both cards.
Who is the card issuer?
Westpac is the Earth credit card provider and issuer. They do all of the credit management, prepare the statements and provide the cards. You will feel more comfortable knowing that Westpac, a reputable company, is the card issuer. This card is linked to the Qantas Frequent Flyer program since Earth promotes travel extensively.
Why is it named Earth ?
This card was given the name Earth because it is all about discovering that there is more about life on Earth and it is also about traveling. You will be able to reach your next destination much sooner by earning Qantas Frequent Flyer points with the Earth Credit Cards.
How can I see my online account details?
You can see the details of your account for any of these Earth credit cards through Westpac online banking.
Can I collect Qantas Frequent Flyer points?
Qantas Frequent Flyer points can be earned if you are a member of the Frequent Flyer program and provide the card issuer with your membership number.
Points can be earned every time you make a purchase that is eligible using your card. You will receive a different amount of points depending on which Earth Credit Card you have chosen.
Can I get extra points?
Special promotions will be offered from time to time to give cardholders the chance for an extra points.
Are the points capped?
Unfortunately points are capped at 2,500 a statement cycle starting from 17 June 2013.
How can I redeem my points?
If you visit qantas.com/frequentflyer you will be able to redeem your points, or you can also call their service center on 13 11 31.
Can I make a balance transfer?
You can do a balance transfer when you are filling out your application for an Earth Credit Card. The application will ask if you want to transfer over an existing balance that you have on another credit card to your Earth card. The balance transfer cannot be processed until the credit card account has been activated.
You will only have to pay a low 0.99% p.a. for 6 months on balance transfers when you are a new customer of Earth cards. There is a minimum amount of $200 that needs to be transferred.
Fees and interest will start to grow on the amounts transferred from the day that your credit card account receives the transfer. If you want to transfer a balance over from an existing Virgin or Westpac card you will not get the exclusive balance transfer rate. Instead, you will be charged that cash advance standard rate.
Any payments made to your account are allocated first to the balance transfer and then once that has been paid off, it will be applied to purchases or cash advances.
Can I change Earth cards?
This is just a matter of filling out a new application and sending the balance from one card to the new one. If you are interested in getting a higher credit limit then you may want to apply for the Earth Platinum which has an $8,000 minimum credit limit, Westpac Earth that has $1,000.
There are lot of reasons while you should choose the Earth Credit Card, and one of the biggest ones is they are all about travel. It is important to discover new things in this world, and each Earth credit card promotes learning and discovery through travel. Make it your card of choice in order to get the most out of all your future holidays.
Read the Westpac Earth Classic terms and conditions.
| Minimum Income | $15,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | Yes - Conditions apply | |
| Credit Rating Requirement | Good | |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 | |
| Max Credit Limit | $30,000 |
| Annual Fee | $75 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $9 | |
| Over Limit Fee | $9 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $2.50 | |
| Foreign Currency Conversion Fee | 2% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 |
Pros
- Cardholders receive complimentary membership to the Qantas Frequent Flyer program - saving them approx. $80 in joining fees.
- You get a free additional card linked to the one account, which helps you to maximise your rewards earnt.
Cons
- A measly 45 days interest-free, which is lower than the average 55 days interest-free offer on other cards.
- With the Earth Mastercard, you can only get 0.50 of a FF point per $1 spent.
- You can only earn FF points and no other bonus rewards for your shopping.
Read the Westpac Earth Classic terms and conditions.
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If I have a nil balance on say the 10th September and my payment date is the 29th September and I purchase goods say to the value of $800 on the 12th September do I then have to pay this total amount by 29th of month or do I get 55 days interest free
Hi Adele. Please check our article on: what does 55 days interest free mean for further information. Thanks.
Can you get secondary cardholders on this card and if so is it complimentary
Do you receive frequent flyer points on balance transfers?
Hi Rebecca,
A balance transfer is not considered an eligible purchase and as a result you do not receive rewards points. Thanks.
Cheers,
Jeremy
will i get frequent flyer points on my imbalance transfer amount or is only for dollar spend on purchase?
Hi Mariana
Frequent flyer point are only earned on purchases, not on balance transfer amounts.
Cheers
Jeremy
Can you link the primary and secondary to individual frequent flyer member numbers
Hi Sonja. Thanks for your question. Both cards earn frequent flyer points for the main account – you can only link one account to one frequent flyer membership — perhaps consider family points transfer between frequent flyer membership accounts? Apologies for the delay in my response. Jacob.
How can I find out what is/not included in the Travel Insurance feature?
Hi Barry,
Thanks for the question. Complimentary travel insurance is available on the Westpac Earth Platinum & Earth Platinum Credit Cards. Please find the terms and conditions of use here: http://www.westpac.com.au/docs/pdf/pb/Earth_Gold_Insurance_conditions.pdf
Cheers,
Jeremy
Can I get a second card issued in my partner’s name? If so, is it free?
Hi Marion. You can get a supplementary card in your name for your partner. This is a second card that they can use freely, and it is linked to the primary account. In order for your partner to get a card in their name, they would have to apply for a card themselves. Thanks.
Is Qantas frequent flyer membership included in the card membership.
Can the frequent flyer points be used with Jetstar
Hi Graeme,
Your Qantas Frequent Flyer points may be used for a Jetstar flight, points may be used for any QF or JQ flight as long as there is a seat available. Thanks.
Cheers
Jeremy
I want to get velocity points not qff points, can this be done,
Hi,
Thanks for the question. You can transfer your Citibank points for Velocity Rewards at the rate of 1.5 Citi Rewards points for 1 Velocity Point. There is also a minimum of 15,000 points per transfer. Cheers.
Jeremy
Are there an additional charges to have a 2nd person with the same account?
Hi Lisa. According to Westpac, ‘Add one additional cardholder (16 years or older) at no extra cost. The account holder (primary cardholder) is liable for all transactions on these cards and their own card.Purchases made by an additional cardholder earn Qantas Frequent Flyer points for the account holder only.’ Thanks for your question.
Can you use frequent flyer points with associated airlines?
Hi Stuart. The Westpac Earth Credit Card allows you to earn Qantas Frequent Flyer points, which can be used among Qantas’ partner airlines – there are dozens in total, please refer to our page on, ‘Qantas Frequent Flyer Partners’ for further information on this topic. Cheers.