Earth Black

See your Qantas Points soar and enjoy all the convenience of a concierge service and extended complimentary insurance covers.
Two cards linked to one account. Earth Black MasterCard and Earth Black American Express.
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    1300 651 999

    8am-8pm, 7 days a week

Essentials

Special promotions

  • 0% p.a. purchase rate for 12 months from card approval on new cards only. Apply between 1 October 2014 - 16 November 2014. Find out more at Rates
  • 3.99% p.a. for 6 months on balance transfers at card application. Limited time offer. Find out more at Rates.

Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.

Two cards linked to one account

  • An Earth Black World MasterCard® for worldwide acceptance
  • An Earth Black American Express® Card for maximum points earn. 

Points earned per $1 spent on eligible purchases

  • 0.625 Qantas Point - Earth Black World MasterCard® (Australian merchants)
  • 1.5 Qantas Points - Earth Black World MasterCard® (Overseas Merchants)
  • 1.5 Qantas Points - Earth Black American Express Card (Australian Merchants and Overseas Merchants)
  • 1 bonus Qantas Point using your Earth Black World MasterCard® or Earth Black American Express card on selected Qantas products and services in Australia.

Qantas membership

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

Premium features and benefits 

  • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
  • Two complimentary Qantas Lounge invitations per year after your first Earth Black Card spend on selected Qantas products and services. To take advantage of this offer you must first register and opt in for this offer
  • Be fast tracked to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts
  • Westpac’s complimentary insurance cover.

Standard variable interest rates

  • 20.24% on purchases
  • 21.24% on cash advances.

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
  • Annual fee currently $395
  • Minimum card limit $15,000
  • Recommended income to apply $75,000.

Complimentary insurance covers for Earth Black

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

Earning Qantas Points on Earth Black credit cards

The earning and redemption of Qantas Points is subject to the Earth Conditions of Use. 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. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member.

More about Starwood Preferred Guest Gold Membership

The Starwood Preferred Guest® Program is managed by Starwood Hotels & Resorts Worldwide Inc. Starwood Preferred Guest® Program conditions apply. Find out more at Earth Black or spg.com. For promotion conditions go to spg.com/WestpacWorldMasterCard.

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Things you should know
  • For more information including Earth Conditions of Use, see Details

    Westpac pays Qantas per points issued in relation to this Card.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    PayPass™ is a trademark of MasterCard International Incorporated.

    American Express® is a trademark of American Express. The Westpac Earth Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Rewards

Qantas Points earned per $1 spent on eligible purchases

  • 0.625 Qantas Points - Earth Black World MasterCard® (Australian Merchants)
  • 1.5 Qantas Points - Earth Black World MasterCard® (Overseas Merchants)
  • 1.5 Qantas Points - Earth Black American Express Card (Australian Merchants and Overseas Merchants).


Earning bonus Qantas Points

  • 1 bonus Qantas Point for every $1 spent on your Earth Black World MasterCard® or Earth Black American Express card on selected Qantas products and services in Australia
  • Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn points once on your Earth Black cards and again with the partner by presenting your Qantas Frequent Flyer membership card.


Earth Black additional points

Earn 3 bonus Qantas Points per $1 spent on eligible purchases using your Earth Black American Express Card when you stay, dine or shop with exclusive Earth Black Premium Bonus Partners.


Redeeming Qantas Points for flights

  • Use your Points for a flight upgrade (if available) on Qantas Domestic and International flights and you could enjoy a more comfortable journey. Your Qantas Points can also give you the freedom to book any available seat on any Qantas or Jetstar flight with a QF or JQ flight number.
  • YourAward 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 2,500 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 Black credit cards

The details on how and when you earn Qantas Points on eligible purchases are set out in the Earth Conditions of Use, see Details.

Effective from 9 November 2014 we will be introducing some changes to the way you earn Qantas Points on ATO payments. See Details.

You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member. For more details on the Qantas Frequent Flyer program see Details. Bonus

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.  

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Things you should know
  • For more information including Earth Conditions of Use, see Details

    Westpac pays Qantas per points issued in relation to this Card.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    PayPass™ is a trademark of MasterCard International Incorporated.

    American Express® is a trademark of American Express. The Westpac Earth Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Features

Earth Black Priority Card 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.

Shop the world with Globaleshop

Save 30% off shipping when you register and ship with Globaleshop, an online service for Westpac Earth Black American Express cardholders.

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 cover on your journey, if before you leave you prepay at least $500 of your and their travel costs using your Earth Black credit cards in accordance with the policy. 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 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
  • Now you can use your Samsung Galaxy S4 or S5 smartphone to make everyday purchases. Simply download the Westpac Mobile Banking app and choose which cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S4 or S5 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.

More about Globaleshop

  • This offer is brought to you by American Express. Register for free at globaleshop.com/westpac. This offer is only valid for shipping costs incurred on globaleshop.com/westpac same as previously.
  • The 30% discount on shipping will expire on 31 December 2014. The discount is applicable for shipping charges only. All duties, taxes, etc (if any) will have to be borne by the customer. The shipping discount is applicable only when final payment is made via a valid Earth Black American Express Card (primary and additional cards).
  • American Express will not be liable for any loss or damage howsoever arising suffered by any user from shipping transactions. American Express reserves the right to change the Terms and Conditions at any time without prior notice.

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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    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • For more information including Earth Conditions of Use, see Details

    Westpac pays Qantas per points issued in relation to this Card.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    PayPass™ is a trademark of MasterCard International Incorporated.

    American Express® is a trademark of American Express. The Westpac Earth Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

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 feeAn 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 feeIf 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.

Credit card fees

For more information see the Earth Conditions of Use (PDF 325kb)

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • For more information including Earth Conditions of Use, see Details

    Westpac pays Qantas per points issued in relation to this Card.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    PayPass™ is a trademark of MasterCard International Incorporated.

    American Express® is a trademark of American Express. The Westpac Earth Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Rates

Transaction Interest Rates
Purchases

Special purchase rate promotion: 0% p.a. purchase rate for 12 months from card approval. New cards only. Apply between 1 October 2014 - 16 November 2014.
20.24% p.a. (variable)
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion: 3.99% p.a. for 6 months on balance transfers requested at card application. New cards only. Apply between 1 October 2014 - 16 November 2014. 3.99% p.a. for 6 months

Special purchase rate promotion terms and conditions:

  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • The promotional balance transfer rate is available when you request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any promotion other than the special promotional rate on purchases available from card approval
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 6 months, unless the amount is paid off earlier
  • The standard variable purchase rate will apply to balance(s) transferred but left unpaid after 6 months and to balance transfers requested at any time after card application
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s).
  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • For more information including Earth Conditions of Use, see Details

    Westpac pays Qantas per points issued in relation to this Card.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    PayPass™ is a trademark of MasterCard International Incorporated.

    American Express® is a trademark of American Express. The Westpac Earth Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

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.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • For more information including Earth Conditions of Use, see Details

    Westpac pays Qantas per points issued in relation to this Card.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    PayPass™ is a trademark of MasterCard International Incorporated.

    American Express® is a trademark of American Express. The Westpac Earth Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.