Westpac Earth Gold Credit Card – Details & Application

Discover how the Westpac Earth Gold companion credit card can earn you extra Qantas Frequent Flyer points, and give you a range of complimentary insurances. Plus, take advantage of the introductory balance transfer offer of 0.99% p.a. for 6 months.

The Westpac Earth Gold is what’s known as a companion credit card, meaning you actually receive two credit cards for the price of one. You only pay one annual fee, and get one statement at the end of the month, but you can choose whether you use your Westpac Earth Gold MasterCard or your Westpac Earth Gold American Express.

Balance Transfer Rate		0.99% p.a. for 6 months
Interest Rate		19.64% p.a.
Annual Fee		$125
Interest Free Period		up to 45 days
Cash Advance Rate		21.14% p.a.
Card Type		Gold
Credit Card Type		Mastercard
Rewards Program		No

Because this is a Qantas Frequent Flyer rewards credit card, the idea is that you can earn more points with your Amex card than with your MasterCard, but at those places where Amex isn’t accepted, you simply hand over your MasterCard instead.

Besides this, you can take advantage of the Westpac Earth Gold’s introductory balance transfer offer of 0.99% p.a. for 6 months the account is open. Anyone paying high interest charges on a non-Westpac credit card could shift their debt and easily take 10% off their interest charges.

Westpac Earth Gold Rewards Program

• Free Qantas Frequent Flyer membership for applications received by 30 June 2010
• Earn 1 Qantas Frequent Flyer point per $1 spent on purchases when using your Westpac Earth Gold Amex card
• Earn 0.5 Qantas Frequent Flyer points per $1 spent on purchases when using your Westpac Earth Gold MasterCard
• Earn points twice – once with your Earth Gold cards and once with the partner – when you shop at a wide range of Qantas Frequent Flyer program partners
• Earn one extra Qantas Frequent Flyer point per $1 spent on purchases on selected Qantas products and services
• No points capping

If the rewards program isn’t quite enough to whet your appetite, take a look at what else is on offer with the Westpac Earth Gold credit card , and see if you can find a better list of perks even on a platinum credit card from any provider.
Key features of the Westpac Earth Gold

• 0.99% p.a. for 6 months p.a. interest rate on balance transfers from non-Westpac credit cards for the first nine months following account opening
• Annual card fee of $125
• 19.64% p.a. on purchases (variable)
• 21.14% p.a. on cash advances (variable)
• 5.99% p.a. fixed interest on selected Qantas products and services
• Up to 45 days interest-free on purchases
• Up to 3 months complimentary Overseas Travel Insurance cover for you, your spouse and certain dependent children
• Complimentary Purchase Security Insurance cover, which protects selected new personal goods purchased on your Earth Gold card against loss, theft or accidental damage for 3 months
• Complimentary Extended Warranty Insurance cover, giving you up to 12 months warranty on top of the Australian manufacturer’s warranty on selected new personal goods purchased using your Earth Gold card
• American Express Select – Save with exclusive offers in travel leisure, dining and shopping
• MasterCard applause – Providing special access to some of the biggest events and names in entertainment and sport
• MasterCard Moments – Providing you with unique travel and entertainment opportunities

There’s really not much more you could want from a credit card, so if the Westpac Earth Gold sounds like your kind of plastic, then why not …

Click here to read the official terms and conditions

Related posts:

1. Westpac Earth Gold Card – Details & Application
2. Westpac Earth Platinum Card – Details & Application
3. Westpac Earth Card – Details & Application
4. Westpac Earth Credit Card
5. Westpac Earth Card helps you earn Qantas Frequent Flyer Points
6. Westpac Earth Credit Card Special Offer
7. Westpac Earth Credit Card: Complete Guide & Review

• Comparison of Top 10 Credit Card Offers

Editor's Choice: Our Top Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0