Earth (no longer available)

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Looking to apply for a new Earth card ?

Our Earth credit card is no longer available See our full range of available credit cards.

Earth card holders

If you currently have a Earth card,  nothing has changed. Existing benefits, features, fees and the conditions that apply are outlined below.

Essentials

2 cards linked to one account

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

Points earned per $1 spent on purchases

  • 1 Qantas Point - Earth American Express® Card
  • 0.5 Qantas Point - 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 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 $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

The details on how and when you earn Qantas Points are in the Earth Conditions of Use. You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. 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. 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. 

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

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Features

Special interest rate offer

Pay 5.99% p.a. fixed interest on selected Qantas products and services for transactions over $500 purchased using either of your Earth cards. To qualify, you’ll need to:

  • Spend at least $500 on selected Qantas products and services in one transaction
  • Activate this rate by calling us on 1300 762 284 and notify us of the transaction.

From the date you notify us, the promotional rate will apply to that purchase. Prior to notifying us, the standard variable interest rate on purchases will apply to the selected purchase. 

You’ll lose the benefit of interest free days on all credit purchases where the closing balance (including any amount to which the promotional 5.99% p.a. fixed rate applies) isn’t paid in full by the statement due date each month.

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 purchases of $100 or less, tap your Mastercard on the PayPass™ terminal wherever you see the contactless symbol - no need to enter a PIN or sign. 

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

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 Earth Conditions of Use 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.

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.

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) and 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. 

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

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Fees

Fees (these may change) Amount
Annual fee $75
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 Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 162kb)

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

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

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

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Contact us

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

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