Westpac - Earth Gold Credit Card

Earn 10,000 extra Qantas Frequent Flyer points

Westpac Banking Corporation is behind Earth credit cards that offer less expensive rates and great rewards to banking customers. Service delivery is made fast, easy, and highly secured through Internet and phone facilities for credit card payments. All you have to do is register to enjoy these innovative services.

With Westpac Bank Earth Gold credit card, you get the same benefits from Earth credit cards plus so much more. The Earth Gold credit card is the best for travelers who need easy access to funds wherever they are in the world. It will also be a smart choice for people who are in search of amazing travel rewards.


With Westpac Bank Earth Gold credit card, you're sure to enjoy the following:


More Affordable Rates

  • Competitive variable interest rates on credit card purchases
  • Zero to low balance transfer rates within the honeymoon period
  • Interest-free days on purchases (available when you pay your monthly balance in full)
  • Lower fixed interest rates on products and services by Qantas

Great Travel Rewards

  • Complimentary insurance coverage for overseas travel
  • Less expensive overseas cash advance fees
  • Relatively low payment for foreign currency transactions

Other Benefits

  • Get zero to low membership fee for Qantas Frequent Flyer
  • Earn Qantas Frequent Flyer points for travel upgrades and prizes
  • Use option for American Express® or MasterCard®
  • Collect more frequent flyer points when using Earth American Express card
  • Use Earth MasterCard in millions of service outlets worldwide
  • Enjoy highly secured transactions

Review each credit card feature based on terms and conditions that apply to rates and special offers. For inquiries, please contact customer service representatives.

Balance transfer conditions This special rate is only available to customers who are applying for a new Westpac credit card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s) at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate Payments made to your credit card account are first applied to any amounts transferred 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 the balance transfer period 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.

American Express is a registered trademark of American Express Company.

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

Apply online for the Westpac Earth Gold Credit Card

Westpac Earth Gold Credit Card General Details

Card Type: MasterCard
American Express
Purchase Rate (p.a.): 19.14% p.a.
Cash Advance Rate (p.a.): 20.64% p.a.
Intro Rate: -
Balance Transfer: 1.99%
for 9 months
Interest Free Days: up to 45 days
Additional Cards: -
Min Repayment: $10/2%

Westpac Earth Gold Credit Card Fees & Charges

Annual Fee (p.a.): $125
Rewards Fee (p.a.): -
Late Payment Fee $35
Additional Card Fee: -

Westpac Earth Gold Credit Card Rewards Program

Rewards Program Available: Yes
Rewards Program Description: With the Earth Gold American Express Gold Card, earn 2 Qantas Frequent Flyer point per $1 spent on purchases. With the Earth Gold MasterCard, earn 0.5 Qantas Frequent Flyer points per $1 spent on purchases.

Westpac Earth Gold Credit Card Balance Transfer Program

Balance Transfer Program Available: Yes
Balance Transfer Conditions: This special rate is only available to customers who are applying for a new Westpac credit card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s) at point of application.