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    • Westpac Earth Platinum

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    • Earth Platinum card from Westpac

    • 19.99%

    • 0.99% for 6 months

    • $250.00

    • 45

    Rewards scheme

    • Points are automatically credited to the Qantas Frequent Flyer program.
    • All rewards are redeemed via Qantas Frequent Flyer.
    • Bonus points on selected Qantas products and services.

    Privileges

    • Concierge
    • Travel Accident Insurance
    • Extended Warranty
    • Purchase Protection

    Value of rewards points

    • Example reward
    • You'd need to spend
    •  
    • MasterCard
    • Amex
    • Flight: Sydney-Melbourne
    • $25,000
    • $8,333
    • Flight: Sydney-London
    • $256,000
    • $85,333
    • $100 gift card
    • $27,000
    • $9,000
    • Points are capped?
    • No
    • Points expire?
    • Never

    Details behind our 'value of rewards' calculations

    • Points earning 1.5 points per dollar on Amex, 0.5 points per dollar on MasterCard, uncapped
    • Flight: Sydney-Melbourne 12500 points buys a Qantas Syd-Mel flight
    • Flight: Sydney-London 128000 points buys a Qantas London flight
    • $100 gift card 13500 points buys a Myer $100 Gift Card

    (how did we do it? find out...)

    Rates

    Purchase rate
    19.99%
    Intro purchase rate
    none
    Balance transfer rate
    0.99% for 6 months
    Balance transfer term
    6 Months
    Balance transfer revert to cash
    no
    Cash advance rate
    21.49%
    Interest free days
    45

    Other financial bits

    Minimum repayment amount
    $10.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $250.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $9.00
    Overlimit fee
    $9.00
    Cash advance fee
    $2%, Min $2.50, Max $150
    Foreign exchange margin
    3.00%
    Duplicate statement fee
    $7.50
    Transaction verification fee
    $
    Additional card fee
    $0.00
    Establishment fee
    $

    Features

    Additional cardholders
    1
    Other restrictions
    American Express foreign transaction fee is 3.5%.
    Other benefits
    5.99%pa on select Qantas purchases.

    About Westpac

    As Australia’s first bank, Westpac has been serving customers since 1817! Now that Westpac has merged with St George to create Australia’s largest financial services company. Westpac customers will benefit from things like being able to use both banks’ ATM networks without paying any extra fees. So if you’re after the security offered by a major bank, check out Westpac’s range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

    How are Westpac credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Westpac credit cards 6.7 Based on 531
    Westpac credit card reviews     		5.8 5.9 6.9 7.6 7.0

    Read Westpac credit card reviews by the Mozo community

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