Earth Gold Credit Card - Apply Online

	Key Features:
	Earn 1 Qantas Frequent Flyer point per $1 spent on purchases1,4 using your Earth Gold American Express® Card to accelerate your points earning power. Earn 0.5 Qantas Frequent Flyer points per $1 spent on purchases1,4 using your Earth Gold MasterCard® with the convenience of acceptance at over 29 million locations worldwide Earn an extra Qantas Frequent Flyer point per $1 spent on purchases on selected Qantas products and services 1 ,5 Plus, you could save on interest with 0.99%pa for up to 6 months on balance transfers requested at the time you apply2 Annual card fee $125 Variable interest rate of 19.99%pa on purchases and 21.49%pa on cash advances Up to 45 days interest free on purchases (as long as you pay off your full balance (including any promotional amount) every month in full)8 Up to 3 months complimentary Overseas Travel Insurance6 Complimentary Purchase Security Insurance cover – covers against loss, theft or accidental damage for 3 months on selected new personal goods purchased on your Earth Gold card in accordance with the policy6 Complimentary Extended Warranty Insurance cover – receive up to 12 months warranty on top of the Australian manufacturer’s warranty when you purchase selected new personal goods using your Earth Gold card in accordance with the policy6

Terms and Conditions
Important: If you are applying for selected credit cards at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Terms and conditions are available on request. Credit card applications are subject to Westpac's normal lending criteria. An additional card can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional card will be the responsibility of the primary cardholder. Information about a third party’s products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.

Credit Savvy: Westpac’s lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.

1. The earning of Qantas Frequent Flyer points through the use of Earth cards is subject to the Earth Conditions of Use. Qantas Frequent Flyer points are not earned on cash advances and balance transfers Earth Conditions of Use for what we regard as cash advances. This includes the purchase of gambling chips and traveller’s cheques and ATM withdrawals. You are not entitled to points in other circumstances see 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. A joining fee usually applies, but is waived for new Earth cardholders where card applications are received and approved by 31 December 2011. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer.

2. This promotional rate is only available to customers who are applying for a new Earth card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard variable purchase interest rate (currently 19.99% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards 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 9 months 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.

3. On credit purchases only, where the closing balance (including any balance transfer and other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.

4. Complimentary insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured and the benefits of the covers are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. Cover is subject to the terms and conditions and exclusions of the policy. Limits apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 762 284 or by downloading the Earth Gold Card Insurance Conditions of Use (PDF 189kb) (Opens in new window).

5. When you spend at least $500 on selected Qantas products and services in one transaction you’ll pay a fixed rate of 5.99% p.a. To activate this rate you must call us on 1300 762 284 and notify us after the transaction. From the date you notify us, the promotional rate will apply to that purchase. You will lose the benefit of the interest free days on all credit purchases where the closing balance (including any balance transfer and promotional amount, including any amount to which the promotional 5.99%p.a.fixed rate applies) is not paid in full by the statement due date each month. Prior to notifying us, the standard variable interest rate on purchases will apply to the selected purchase.

6. Selected Qantas products and services are 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 point on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel.

This card is issued and administered by Westpac Banking Corporation.