Frequent Flyer Points credit card

Earth

Essentials
Fees

Essentials

For a limited time, pay 1.99% p.a. for up to 9 months on balance transfers²

Earn Qantas frequent flyer points on purchases ¹
- Earn 1 Qantas Frequent Flyer point per $1 spent on purchases on your Earth American Express ^®Card ^{1

-} Earn 0.5 Qantas Frequent Flyer point per $1 spent on purchases on your Earth MasterCard ^®1
You could earn points twice by spending with Qantas Frequent Flyer program partners - once on your card and once with the program partner
Two credit cards linked to one account, with one monthly statement and one credit limit
1.99% p.a. on balance transfers for up to 9 months ²
Interest rates (variable): 19.14% p.a. on purchases; 20.64% p.a. on cash advances
$75 annual fee
Up to 45 days interest free on purchases as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month ³
No points capping
Pay 5.99% p.a. fixed interest on selected Qantas products and services (provided you notify us) ⁴
Earn one bonus Qantas Frequent Flyer point for every dollar you spend on selected Qantas products and services ⁵
Complimentary Qantas Frequent Flyer membership (if you’re not already a member) for approved applications received by 30 June 2010 ¹
Get extra security when you shop at participating online retailers by registering with MasterCard ^®SecureCode™, through Westpac Added Online Security service
Paperless eStatements available.

View Earth card details at earth.com.au.

Important Changes to the Earth Conditions of Use - effective 8th June 2010 (PDF 74 kb)

Earth Conditions of Use (PDF 681 kb)

Things you should know

Important: Customers with Westpac packaged, switched credit cards or Westpac Group Employees are not eligible for this offer.
1.The earning of Qantas Frequent Flyer points through the use of Earth cards is subject to the Earth Conditions of Use. Qantas Frequent Flyer points are not earned on cash advances and balance transfers Earth Conditions of Use for what we regard as cash advances. This includes the purchase of gambling chips and traveller’s cheques and ATM withdrawals. You are not entitled to points in other circumstances. See the Earth Conditions of Use available from earth.com.au.You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the Terms and Conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but is waived for new Earth cardholders where card applications are received by 30 June 2010. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer.
2.This special rate is only available to customers who are applying for a new Earth card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 19.14% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 9 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200.
3.On credit purchases only, where the closing balance (including any balance transfer and other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.
4.When you spend at least $500 on selected Qantas products and services you’ll pay a fixed rate of 5.99% p.a. on those transactions. To activate this rate you must call us on 1300 762 284 and notify us after the transaction. From the date you notify us, the promotional rate will apply to that purchase. You will lose the benefit of the interest free days on all credit purchases where the closing balance (including any balance transfer and promotional amount, including any amount to which the promotional 5.99%p.a.fixed rate applies) is not paid in full by the statement due date each month. Prior to notifying us, the standard variable interest rate on purchases will apply to the selected purchase.
5.Selected Qantas products and services are 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.
American Express ^® is a registered trademark of American Express Company.
MasterCard ^® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Fees

Fees Overviews
Fee*	Amount – see below
Annual fee	$75
Westpac Foreign Transaction Fee	The Westpac Foreign Transaction Fee may be payable. This fee is the sum of the Westpac Processing Fee and the Westpac On-Charged Scheme Fee.
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.
Westpac On-Charged Scheme Fee	The Credit Card schemes also charge fees when processing Credit Card transactions made in foreign currencies. The fees are either charged during the process of converting the foreign currency amount into Australian dollars, or are charged separately to Westpac and passed on to you by us. The fees vary depending on the applicable Credit Card scheme: MasterCard^® Issuer Cross Border Assessment - 0.8% MasterCard^® Currency Conversion Assessment - 0.2% American Express^® Foreign Exchange Conversion Fee - 1.5%.
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, 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	A charge of $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	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	A fee of $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.
eStatements	NIL
Other fees and charges	Download the Consumer Credit Cards Conditions of Use (PDF 280kb).