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19.99%
0.99% for 6 months
$75.00
45
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The Westpac Earth credit card is actually two cards under one account, with one card linked to American Express and another to Mastercard. With its great introductory balance transfer rate of 0.99% for 6 months and its competitive rewards program with Qantas, Westpac Earth is a flexible and low maintenance rewards credit card.
Key features: With both Amex and Mastercard usability (with PayPass), there's great flexibility with the Westpac Earth credit card. Points are automatically credited to Qantas frequent flyer points. Points are uncapped and never expire. You earn 1 Qantas point per dollar spent when using the Amex and half a Qantas point per dollar when using the Mastercard.
The $75 annual fee is fair amongst basic rewards card but for a limited time the Wespac Earth card also includes a complimentary Qantas Frequent Flyer membership worth $82.50.
For those looking to knock over a bit of credit card debt, there is a decent 0.99% balance transfer rate but keep in mind that the promotional period only lasts 6 months. While the Westpac Earth credit card has a relatively standard purchase rate of 19.99% and a 45 day interest free period, using the card for cash withdrawals will set you back a sky high 21.49% cash advance rate.
Who it's good for: If you're after a basic but flexible rewards card tied to Qantas, the Westpac Earth Qantas credit card definitely deserves a look.
Any catches? Given that the Amex has a higher point to dollar spent ratio, you may be inclined to use the Amex more than the Mastercard. Beware of the American Express surcharge that many shops and restaurants levy. Those extra Frequent Flyer points may end up costing you more!
| 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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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.
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