Earth (no longer available)
Our Earth credit card is no longer available for sale. See our credit card comparison for a full range of available credit cards.
Earth card holders
If you currently have an Earth card, from 1 July 2017, you will no longer earn points on payments to the Australian Taxation Office using your Earth American Express® card. Existing benefits, features, fees and the conditions that apply are outlined below.
Two 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 eligible purchases
- 0.8 Qantas Points – Earth American Express® Card
- 0.4 Qantas Points – 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.
Complimentary Qantas Frequent Flyer membership if you're not already a member.
Standard variable interest rates
- 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
From 1 July 2017, you will no longer earn points on payments to the Australian Taxation Office using your Earth American Express® card. For more details see the Earth Conditions of Use.
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.
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.
- 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.
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.
As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:
- Register with Mastercard® SecureCode™ through the Westpac Added Online Security service
- Fraud Protection, 24/7
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). 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.
|Fees (these may change)||Amount|
|Annual card fee||$75|
|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 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||$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 Charge will be debited to your account.|
|Over-limit 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.|
|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.|
|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.|
|Purchases||20.24% p.a. (variable)|
|Cash advances||21.24% p.a. (variable)|
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
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. 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.
Please feel free to contact us anytime on 1300 367 228.
Things you should know
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.
American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.