Earth Platinum Plus Credit Card (no longer for sale)
Latest Information
Our Earth Platinum Plus 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 purchases by existing Earth Platinum Plus card holders
- 0.5 Qantas Points - Earth Platinum Plus Mastercard®
- 1 bonus Qantas Point for every $1 spent on selected Qantas products and services
- For each statement cycle a Points cap of 3,750 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap
Insurance4
- Complimentary insurance covers4.
Variable interest rates
- 20.99% p.a. on purchases
- 21.99% p.a. on cash advances.
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
- Annual card fee currently $250
- Minimum card limit $8,000.
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 Platinum Plus credit cards
You do not earn Qantas Points on payments to the Australian Taxation Office.
For each statement cycle a points cap of 3,750 Qantas Frequent Flyer points applies when using either or both cards. Bonus points do not count towards the points cap. 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.
Things you should know
Rewards
Earning bonus Qantas Points
- Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
- Earn twice the number of Qantas Points with Qantas Frequent Flyer Program partners. Earn points once on your Earth cards and again with the partner by presenting your Qantas Frequent Flyer membership card.
Redeeming Qantas Points for flights
Redeem Qantas Points for flights or upgrades. Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when you book. Special promotional fares may not apply.
Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
See qantas.com/frequentflyer for details.
Redeeming in the online Qantas Frequent Flyer Store
Choose from over 2,000 products in the online Qantas Frequent Flyer Store including travel and retail store vouchers.
Qantas Frequent Flyer Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location).
See qantas.com/frequentflyer for details.
Earning Qantas Points on Earth Platinum Plus credit cards
You must be a member of the Qantas Frequent Flyer program to earn and redeem points. For each statement cycle a points cap of 3,750 Qantas Frequent Flyer points applies when using either or both cards. Bonus points do not count towards the points cap. 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.
Bonus Qantas Points
Earn bonus Qantas Points on selected Qantas products and services on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, and purchases from Qantas Travel - excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel.
More about Jetstar Any Seat Awards and the online Qantas Frequent Flyer Store
The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.
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.
Features
Complimentary Insurances4
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).
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.
Fees
| Fees (these may change) | Amount |
|---|---|
| Annual card fee | Currently $250 |
| 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 2,900 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) |
Contact us
Please feel free to contact us anytime on 1300 859 100.
Things you should know
Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.
4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 898KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.