Earth Black (no longer available)

Latest Information

Our Earth Black credit card is no longer available for sale. See our credit card comparison for a full range of available credit cards.

Earth Black card holders

If you currently have an Earth Black card, effective 9 November 2014, we will be introducing some changes to the way you earn Qantas Points on ATO payments. Existing benefits, features, fees and the conditions that apply are outlined below.

Essentials

Two cards linked to one account

An Earth Black American Express® Card to earn Points faster and an Earth Black World MasterCard® for worldwide acceptance. 

Points earned per $1 spent on eligible purchases

  • 0.625 Qantas Point - Earth Black World MasterCard® (Australian Merchants)
  • 1.5 Qantas Point - Earth Black World MasterCard® (Overseas Merchants)
  • 1.5 Qantas Point - Earth Black American Express® Card
  • 1 bonus Qantas Point for every $1 spent on selected Qantas products and services

Qantas membership

Complimentary Qantas Frequent Flyer membership if you're not already a member.

Standard variable interest rate

  • On purchases - 20.24% p.a.
  • On cash advances - 21.24% p.a. 

Interest free days and more

  • Up to 45 days interest free on purchases when you pay the closing balance (including any promotional balance transfer amount) in full by the due date shown on your statement
  • Minimum card limit $15,000.  

Earning Qantas Points on Earth black credit cards

The details on how and when you earn Qantas Points are in the Earth Conditions of Use (PDF 325kb).

Effective 9 November 2014, we will be introducing some changes to the way you earn Qantas Points on ATO payments. For more details see the Earth Conditions of Use.

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. 

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Features  

Earth Black Card Priority Service line

  • Wherever you are and whatever the time of day, if you have any queries relating to your card, the dedicated Earth Black Card Priority Service line will be ready to help with lost or stolen cards, making payments and more
  • To contact the 24/7 Earth Black Card Priority Service line call 1300 651 999 toll-free anywhere in Australia or +61 3 6345 1999 reverse charge when overseas.

Westpac Concierge

  • Say goodbye to the time consuming and mundane
  • Westpac Concierge is on call for you 24/7 to handle your requests, including restaurant and taxi bookings through to planning a party
  • To contact Westpac Concierge call 1300 651 999
  • Exclusive to Westpac Black cardholders, the Black Card Concierge app is perfect for when you're on the move. Plus, you can save time by saving your preferences and repeating previous requests. Download the app from the iTunes store.

Qantas Lounge passes

  • Receive two complimentary Qantas Lounge invitations a year
  • To use your passes, enrol at earthblack.com.au and opt in. Your first Card spend on selected Qantas products and services will activate your Qantas Lounge pass.

Qantas Frequent Flyer Rewards

  • The Qantas Points you can earn with Earth Black can open the door to a selection of rewards, including towards one-way, return or multi-destination Award Flights or flight upgrades on Qantas Domestic and International flights
  • You can also shop in the Online Qantas Frequent Flyer store for products and more
  • For details visit Qantas.com/frequentflyer
  • 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).

Starwood Preferred Guest Gold Membership

Earth Black fast tracks you to Preferred Guest Gold Membership status with Starwood Hotels and Resorts. Enjoy a complimentary upgrade to Gold status after one nights stay  in the Asia Pacific region, usually available after staying 25 nights where you’ve paid for your stay and all services with your Earth Black World MasterCard®.

You can also access member benefits at more than 1,000 amazing hotels spanning across renowned groups like Sheraton®, Le Méridien®, Four Points®, Westin®, The Luxury Collection®, Aloft®, ElementSM, St. Regis® and W® Hotels.

Gold Membership includes:

  • An enhanced room at check in
  • 4 pm late checkout
  • Three Starpoints® earned for every eligible dollar spent (a 50% bonus over base level members).

Enrol online at spg.com/WestpacMasterCard or call the Starwood Customer Contact Centre on 1800 072 525.

Blackout dates and other restrictions may apply to this promotion. Starwood Preferred Guest® Program conditions apply. Find out more at Earth Black or spg.com. For promotion conditions go to spg.com/WestpacWorldMasterCard.

Extended complimentary insurance

A range of complimentary insurance covers come with your cards as set out in the Westpac Credit Cards Complimentary Insurance Policy in Details.

Overseas travel insurance

For overseas trips up to 6 months, cover includes:

  • Specified medical expenses incurred overseas
  • Up to $20,000 per person cover for loss or damage to personal property
  • Up to $550 per person for loss or damage to travel documents
  • Limit of $2.5 million of personal liability cover
  • Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meet the eligibility criteria, including pre-paid travel costs using your credit card. Find out more in Details.

Transit accident insurance

Up to $500,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Earth Black credit cards before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for most new items purchased in Australia and overseas provided the purchase is charged to the credit card account.

Extended warranty insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Earth Black credit cards.

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 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:

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

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 Earth Conditions of Use for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please see what to do if there is a fraudulent transaction on your card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury or disease.

Things you should know

For more information including Earth Conditions of Use see Details.

Complimentary insurance issuer details

Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.

More on Credit Card Repayment Protection

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy in Details. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

Earning Qantas Points on Earth Black credit cards
Qantas Points using an Earth Black card is subject to the Earth Conditions of Use. Points are earned on eligible purchases only and exclusions and limitations apply. You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. See Details for more. 

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Fees

Fees (these may change) Amount
Annual fee $395
Westpac foreign transaction fee

The Westpac 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:

  • Mastercard: 3.0% 
  • American Express: 3.5%
Cash advances/withdrawal fee An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply.

Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply.
These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge $9 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 Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $9 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.
Duplicate statement fee $7.50 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.

For more fee information see  Earth Conditions of Use (PDF 705kb).

 

For more information, including the Consumer Credit Card Conditions of Use, see Earth Conditions of Use (PDF 705kb).

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Rates

Transaction Interest Rates
Purchases 20.24% p.a. (variable)
Cash advances 21.24% p.a. (variable)

For more information, including the Consumer Credit Card Conditions of Use, see Earth Conditions of Use (PDF 705kb).

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Details

Earth Conditions of Use (PDF 705kb)

Westpac Credit Cards Complimentary Insurance Policy (PDF 739kb)

Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 162kb)

Westpac Rewards Cards Concierge Service Terms and Conditions (PDF 153kb)

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/terms or contact the Qantas Frequent Flyer Service Centre on 13 11 31.

Credit card repayment protection

Optional credit card repayment protection  insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy.

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Contact us

Please feel free to contact us anytime on 1300 367 228.

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  • Give us a call

    1300 651 999

    8am-8pm, 7 days a week