Earth Credit Card (no longer for sale)
Latest Information
Our Earth credit card is no longer available for sale. See our credit card comparison for a full range of available credit cards.
Essentials
Points earned per $1 spent on eligible purchases
- 0.4 Qantas Points – Earth Mastercard®
- 1 bonus Qantas Point for every $1 spent on selected Qantas products and services
- For each statement cycle a Points cap of 2,500 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap.
Qantas membership
Complimentary Qantas Frequent Flyer membership if you're not already a member.
Standard variable interest rates
- On purchases - 20.99% p.a.
- On cash advances - 21.99% p.a.
Interest free days and more
- Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
- Minimum card limit $1,000.
What is a statement cycle?
The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.
Earning Qantas Points on Earth credit cards
You do not earn Qantas Points on payments to the Australian Taxation Office.
For each statement cycle a points cap of 2,500 Qantas Points applies when using either or both cards. Bonus Points do not count towards the points cap.
You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. The Qantas Frequent Flyer joining fee is waived for all new Earth cardholders if they're not already members. For more details on the Qantas Frequent Flyer program see details. Qantas Points are not earned on balance transfers or cash advances.
Features
Additional cardholder
- 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.
Contactless technology
For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).
- Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
- Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
- To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.
Card security
As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:
- Cardshield™
- Register with Mastercard® SecureCode™ through the Westpac Added Online Security service
- Fraud Protection, 24/7
Fraud Money Back Guarantee
Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Credit Card Terms and Conditions for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please go to what to do if there is a fraudulent transaction on your card.
Fees
| Fees (these may change) | Amount |
|---|---|
| Annual card fee | $75 |
| Foreign transaction fee | A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme: 1. Transactions in foreign currency
2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee | An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Fee will be debited to your account. |
| Overlimit fee | If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle. |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs) . Find a Westpac Group ATM. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Rates
| Transaction | Interest Rates |
|---|---|
| Purchases | 20.99% p.a. (variable) |
| Cash advances | 21.99% p.a. (variable) |
Details
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
More details about the Qantas Frequent Flyer program
For more details about the Qantas Frequent Flyer program visit qantas.com/frequentflyer or contact the Qantas Frequent Flyer Service Centre on 13 11 31.
Credit card repayment protection
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.
If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.
Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.
To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit Card Repayment Protection, Flexi Loan Repayment Protection and Personal Loan Protection are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (AAIL) (issuer of the unfit for work and job loss covers) and TAL Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (TLISL) (issuer of the death cover).
TLISL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL).
Westpac is a trade mark of Westpac Banking Corporation ABN 33 007 457 141 and is used by AAIL and TLISL under licence.
This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement or policy wording. To obtain a copy please call 1300 369 989.
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Contact us
Please feel free to contact us anytime on 1300 367 228.
Things you should know
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.