Westpac Earth Platinum Card – Details and Application

Information verified correct on October 28th, 2016

Earn Qantas Points so you can get on your next holiday sooner

Important information

The Westpac Earth Platinum is no longer be available for new applications as this credit card is no longer available to new customers. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.
If you would like to compare the current range of Westpac credit cards: click here.

Westpac Earth Platinum Credit Card review

The Westpac Earth Platinum Credit Card is a companion credit card account. You get two cards linked to the one account, an American Express and a MasterCard card.

Use the American Express card wherever it’s accepted and earn 1 Qantas Points per dollar spent on eligible purchases.

You will still earn Qantas Points when you use the MasterCard to make a purchase, but not as many had you of used the American Express card. The MasterCard rewards you with 0.5 Qantas Points per dollar spent.

In addition to the standard Qantas Points earn rate, you will be rewarded with one bonus point per dollar spent on selected Qantas products and services.

Our Westpac Earth Platinum Card rates and fees review outlines the important details and features of this product. And although you can no longer apply for this account, if you’re an existing cardholder, the following information will aid you in your comparison between accounts.

Benefits of the Westpac Earth Platinum Card

  • Earn Qantas Points on eligible purchases. This is a companion credit card account. You get two cards to use. An American Express and a MasterCard. The American Express has a higher earn rate. If you’re not already a member of the Qantas frequent flyer program, membership is a complimentary benefit when you apply for this account.
  • Earn 0.5 points per dollar spent. When you use the Westpac Earth Platinum MasterCard to make an eligible purchase, you will get 0.5 QanTas Point per dollar spent.
  • Earn 1 Qantas Point per dollar spent. Use the Westpac Earth Platinum American Express card to make a purchase and you’ll earn 1 Qantas Point per dollar spent.
  • Earn bonus points. Use the Westpac Earth Platinum Credit Card to purchase Qantas products and services and you will get one extra Qantas Point per dollar spent. That’s 1.5 Points when you use the MasterCard and 2 Qantas Points per dollar spent with the American Express.
  • Eligible purchases. Qantas Points are awarded for eligible purchases only. Eligible purchases are your everyday type of transaction. Qantas Points are not awarded for cash transactions. This includes ATM withdrawals, account fees and charges and paying some bills. Check the terms and conditions for further information about transactions ineligible to earn Qantas Points.
  • Points capping. Points are capped at 3,750 Qantas Points for each statement cycle. Spending and points earning on both cards count towards the monthly points cap. Any bonus Qantas Points you ear will not count towards your statement cap. You can compare uncapped Qantas Frequent Flyer credit cards on this page.
  • Complimentary international travel insurance. The Westpac Earth Platinum Credit Card provides up to three months of complimentary international travel insurance cover for medical expenses, loss and damage to personal property, personal liability, loss of travel documents and rental vehicle excess cover. Cover is also extended to the cardholder’s dependent children and spouse if certain conditions are met.

    How to activate the complimentary international travel insurance.

    The complimentary international travel insurance is automatically applied when you meet the following conditions.

    • Be 80 years of age of younger.
    • Hold a return overseas travel ticket.
    • At least $500 worth of your prepaid travel expenses (airfares included) has been charged to your account.

    Check the terms and conditions for a full list of activation requirements for the complimentary international travel insurance.

  • Transit accident insurance. Transit accident insurance provides cover against death or injury sustained while travelling as a passenger in a plane, bus, train or ferry when you charge the cost of the tickets to the account. Up to $250,000 in cover is provided.
  • Protection for your purchases. Extended warranty insurance automatically extends the Australian manufacturer’s expressed Australian warranty for periods of up to 12 months in total. While purchase security insurance provides up to three months cover for selected items purchased with the account against loss, theft and damage.

Westpac Earth Platinum Credit Card features

  • Annual fee. The Westpac Earth Platinum account has an annual fee of $125
  • Reward points earning. Earn 1 Qantas Point for every dollar spent on eligible purchases using the American Express card. Earn 0.5 Qantas Points per dollar spent on eligible purchases using the MasterCard card.
  • Bonus Qantas point. Earn 1 bonus Qantas Point when you purchased selected Qantas products and services using the account.
  • Qantas frequent flyer program. You also get a complimentary membership to the Qantas frequent flyer program when you apply for this account if you’re not already a member of the program. This is valued at $89.50
  • Interest-free days. You can get up to 45 days interest-free when you use the cards to make purchases and you pay your account in full each month.
  • Complimentary insurance covers. There are a number of insurances available with this account as complementary benefits to cardholders. Both you, your family, and the purchases you make on the card are protected under the complimentary insurance package.
  • Supplementary cardholders. Maximise the number of Qantas Points you can earn with the account by adding a supplementary card to the account. Add supplementary cards to the account for a fee of $0 each. The additional cardholder must be over the age of 18. The primary cardholder is liable for the additional cardholder’s spending. Qantas Points are credited to the primary cardholder’s account.
  • Touch and go feature. As this is a companion credit card account, you get the benefits of both a MasterCard and an American Express including contactless ‘touch and go’ technology for purchases under $100, and American Express and MasterCard privileges, like MasterCard Moments.
  • Fraud protection. You’re protected against unauthorised use on your account under the card scheme (MasterCard / American Express) no liability anti-fraud guarantees. If you’re the victim of credit card fraud when using the card scheme payment networks (EFTPOS and online for instance), you will be reimbursed for any fraudulent transactions detected on your account.
Back to top
Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

27 Responses to Westpac Earth Platinum Card – Details and Application

  1. Default Gravatar
    Floricel | July 10, 2016

    I am the cardholder of Earth Platinum Westpac Card. My age is under 56 years old, I intend to pay the overseas travel for me and my wife from this Card.
    Is it my wife entitled to the complimentary insurance also?

    How can we apply for having a print form with us?


    • Staff
      Anndy | July 11, 2016

      Hi Floricel,

      Thanks for your question.

      Westpac’s overseas travel insurance cover is also available to the cardholder’s dependent children and spouse if certain conditions are met. I’ve sent you an email with a link to where you can find the eligibility criteria for Westpac credit cards complimentary insurance policy, for your convenience.


  2. Default Gravatar
    Robert | May 16, 2015

    Can I transfer my existing MasterCard to an Earth Platinum Card and retain the free 55 days system ?

    • Staff
      Jonathan | May 18, 2015

      Hi Robert, thanks for your inquiry!

      Please note that Westpac no longer accept new applicants for the Westpac Earth Platinum Credit Card — it’s off the market. Please refer to the following link for interest-free credit cards.



  3. Default Gravatar
    amanda | April 17, 2015

    I have lost my earth platinum card can i receive a new 1

    • Staff
      Jonathan | April 17, 2015

      Hi Amanda, thanks for your inquiry!

      Please refer to the link I have sent to your email for lost credit cards and requesting a new card.



  4. Default Gravatar
    Yanis | July 17, 2014

    Am travelling overseas to UK and France between 19 August to 25 October.
    I will be 75 on 18 sept this year

    How long does my complimentary travel insurance cover me for? 6 months?

    i will use my platinum earth card to pay my airfares, and a 11 day tour of France while am visiting my son.

    what evidence can i show to people that i have travel insurance in case i need it

    what is your contact number for enquiries?


    • Staff
      Shirley | July 18, 2014

      Hi Yanis,

      Thanks for your question.

      For Platinum card, the cover lasts for three months.

      You can provide your receipts as evidence, or your credit card statement.

      Please refer to the PDF for contact numbers – I’ve emailed this to you.


  5. Default Gravatar
    Shaun | February 11, 2013

    I’m looking at getting 6 linked cards for a company’s executive team. Would this mean all 6 cards had to be linked to a single limit and the rewards to the same account? Or could the application be for 6 seperate cards with seperate limits and seperate rewards accounts?

    • Staff
      Jacob | February 11, 2013

      Hi Shaun. You can do either. If you choose to sign up yourself and make your employees supplementary cardholders, all six cards would be linked to the one account and all spending and rewards points will be credited to the main card. An additional cardholder can spend on the card, but they can’t perform higher order account changes, like change credit limits etc. If you wish for all six cards to be in each of your employee’s names, they will have to sign up for a card themselves and all cards will be separate. Thanks.

  6. Default Gravatar
    Brian | July 20, 2012

    Can i change my altitude credit cards to a Westpac earth card to earn qantas f/flyer awards?

    • Staff
      Marc | March 20, 2013

      Hello Brian,
      thanks for the question,

      The Altitude Credit Card is a separate credit card to the Earth card, so this would require you to apply for the Earth card of your choice as you regularly would for a new credit card.

      I hope this helps,

  7. Default Gravatar
    Kuan | July 17, 2012

    for every earned point we have, when we want to transfer it to qantas frequent flyer account, will you get one point of Qantas Point? is it 1:1?

    • Staff
      Jacob | July 19, 2012

      Hi Kuan. Thanks for your question. When you spend on your Westpac Earth Platinum Card, points are automatically credited to your Qantas account at the rate of: ’1 Qantas Points per $1 spent on purchases with your Earth Platinum Plus American Express Card, 0.5 Qantas Points per $1 spent on purchases on your Earth Platinum Plus MasterCard and 1 bonus Qantas Point per $1 spent on selected Qantas products and services.’ That was taken from the Westpac application page, for further information, please consult the terms and conditions. Hope this helps.

      Membership to the Frequent Flyer program is complimentary when you get this card too.

  8. Default Gravatar
    Tony | June 20, 2012

    Instead of buying a travel card pre loaded with foreign currencies i am considering preloading a credit card with cash. Assuming I have a zero debit balance before loading the card, would there be any interest charged when I withdraw cash from an ATM overseas. What ATM fees would be charged in USA, UK and Europe. This card would only be used for cash withdrawals so as not to get into debt. thanks

    • Staff
      Jacob | June 23, 2012

      Hi Tony. Thanks for the question. There is no interest charged on the money withdrawn from a credit card while it has a positive balance. Check out our page on travel money for further information on this topic.

  9. Default Gravatar
    Charmaine | May 8, 2012

    Hi, my daughter and I are trekking in Nepal in October. I paid for both air tickets Brisbane to Kathmandu return on my AMEX (secondary cardholder, my husband is the primary). What travel insurance is included?

    • Staff
      Jeremy | May 18, 2012

      Hi, Charmaine.

      Thanks for your question. The Westpac Earth Platinum Credit Card comes with complimentary international travel insurance, purchase security insurance and extended warranty insurance.

      The Westpac insurance policies are provided by Zurich Insurance. In their terms and conditions they state that: ‘We (Zurich) do not insure you for any event that is caused by or arises from you failing to follow advice or take heed of a warning from: your mountaineering or rock climbing (if you need to use climbing equipment, ropes or guides), white water rafting or boating, abseiling, bungy jumping, pot holing, running with the bulls, caving or tobogganing;’

      There are a number of activities that Zurich will not provide cover for. You will have to discuss this further with the insurance provider and run through your itinerary to see whether or not your planned activities are excluded from cover.


  10. Default Gravatar
    Brian | March 17, 2012

    Hi I took out an Earth Platinum card before the offer closed and also opened an extra Westpac account at the same time. The card was activated immediately. I am still waiting on the 33000 points but recently got credited into my qantas 15000 points?
    Not sure why i have got 15000 and is there still 33000 likely to arrive?

    • Staff
      Marc | April 9, 2013

      Hello Brian,
      thanks for the comment.

      It may be more helpful to contact Westpac regarding this, as they may be able to provide more information as to what may be happening.

      I hope this helps,

Credit Cards Comparison

Rates last updated October 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question