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.
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0.99% p.a. for 6 months |
|---|---|---|
| Interest Rate on Purchases | |
19.99% p.a. |
| Annual Fee | |
$125 |
| Interest Free Period | |
up to 45 days |
| Cash Advance Rate | |
21.49% p.a. |
| Card Type | |
Gold |
| Credit Card Type | |
American Express/MasterCard |
| Rewards Program | |
Yes |
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
- 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
- 19.99% p.a. on purchases (variable)
- 21.49% 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
- Free Purchase Security on certain purchases for 3 months against loss, theft, or accidental damage.
- Access to MasterCard and American Express ‘Member Programs’.
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 …
There’s a reason why Westpac Earth Gold credit cards have received a 5-star rating from Canstar Cannex Australia. You get a MasterCard and American Express card, managed by one easy account, one credit limit, one statement and one annual fee.
The Gold Earth card comes with further introductory point offers and free travel insurance/benefits. These benefits make it the perfect card for all of your spending needs.
An American Express card is a great choice, but not as widely accepted as a MasterCard so you need to own both cards for the ultimate convenience. These cards also give you the ultimate rewards because they combine into one rewards account. This way you never miss an opportunity to earn points.
Westpac Earth Gold card perks and points
The Westpac Earth Gold Credit Card is all about giving you more. More free benefits and more ways to earn points. With this card you get the prestige that comes with having Gold in your wallet and an opportunity to boost your travel rewards with Qantas frequent flyer points. Westpac even goes one step further by making your financial management just a bit easier and combining these cards into one statement and one credit limit adding up to one big reward. Remember too that Westpac puts no limit on the number of points you can earn, so whatever and whenever you spend you benefit.
To make this offer even better the Westpac Earth Gold Credit Card comes with an excellent balance transfer offer. Move your current credit card balance to your new Westpac card now and pay only 0.99% p.a. for 6 months. That is a long time to get out of debt and save piles on interest fees. So, you will save money, earn points, and have not one but two valuable cards at your disposal this is a deal that can’t be beat. Get your card now and start spending in style.
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 | $5,000 | Max Credit Limit | $30,000 |
| Annual Fee | $125 | 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 |
Does the Qantas frequent flyer account name need to be linked to the name of the credit card holder?
Hi Kristy
Thanks for your comment!
A cardholder may only earn points for one rewards account which must be in the same name as the corresponding Qantas Frequent Flyer account and the primary cardholder name.
Cheers,
Jeremy
Are additional cardholders charged for this Gold Package?
What is the currency conversion fee on this card?
Hi Sheryl
Thanks for your question
The Westpac Foreign Transaction Fee is the sum of the Westpac Processing Fee and the Westpac On-Charged Scheme Fee.
1. Westpac Processing Fee: A fee of 2.0% of the value of any purchase or Cash Advance/withdrawal transaction made in a foreign currency, following conversion into Australian dollars by the applicable Credit Card scheme, is payable. This fee will be incorporated into the Australian currency equivalent of the transaction shown on your statement.
2. Westpac On-Charged Scheme Fee –
MasterCard® Issuer Cross Border Assessment – 0.8%
MasterCard® Currency Conversion Assessment – 0.2%
American Express® Foreign Exchange Conversion Fee – 1.5%.
Hope this helps!
Cheers
Jeremy