Westpac Earth Platinum Card – Details & Application
Posted February 8th, 2010
and last modified October 21st, 2011
Compare
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0.99% p.a. for 6 months |
|---|---|---|
| Interest Rate on Purchases | |
19.99% p.a. |
| Annual Fee | |
$250 |
| Interest Free Period | |
up to 45 days |
| Cash Advance Rate | |
21.49% p.a. |
| Card Type | |
Platinum |
| Credit Card Type | |
American Express/MasterCard |
| Rewards Program | |
Yes |
There’s a reason why Westpac’s ‘Earth’ series of credit cards have received a 5-star rating from 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 Westpac Earth Platinum credit card comes with further introductory point offers and free travel insurance/benefits than the Gold card.
- Complimentary Qantas Frequent Flyer membership, available for a limited time if you are not already a member. .
- Earn 1.5 Qantas Frequent Flyer points for every $1 spent on your American Express Earth Card, and 0.5 points for every $1 spent on your MasterCard Earth Card.
- No points capping!
- Other rewards include: Complimentary Overseas Travel Insurance, Purchase Security, and Extended Warranty Cover
- 19.99% p.a. on purchases and 21.49% p.a. on cash advances
- $250 annual fee
- 45 days interest free on purchases
- 0.99% p.a. for 6 months on balance transfers
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 | $8,000 | Max Credit Limit | $100,000 |
| Annual Fee | $250 | 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:1.5 MCARD:0.5 Point(s) | Points needed for Syd/Mel Return Flight | 16667 |
| Points needed for $100 Voucher | 9000 |
Westpac Earth Platinum Card
I am 64yrs. I am concerned that my income test will not pass the minimum requirement to qualify. However, my house is paid for, I have $50,000 term deposit and no debts whatsoever. I am booked to fly to the UK and USA soon. Looking for card with complimentary travel insurance for myself only. Mthly nett household income is approximately $3,000.
A Elliott
Hi,
What is the currency conversion fee on this credit card please? Do you have a credit card available which has no currency conversion fees?
Thanks,
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
I don’t have any balances to transfer but am interested in the 33k air miles.
what specifically are the conditions to getting the mileage?
Hi Neil
Thanks for question.
The 33,000 bonus Qantas Frequent Flyer points offer applies only once per new Earth Platinum account. You must make an eligible purchase on either of your new Earth Platinum cards by 20 January 2012 to receive the 33,000 bonus Qantas Frequent Flyer points. Bonus points will be credited to your account 3 months from your first spend. This offer is not available in conjunction with any other offers.
Cheers
Jeremy