Things you should know:
Consumer Credit Card Conditions of Use (PDF 230kb)
Westpac Credit Cards Complimentary Insurance Policy (PDF 770kb)
Westpac Rewards Cards Concierge Service Terms and Conditions (PDF 153kb)
Fees, charges and credit criteria apply. Read the Terms and Conditions available for download above before making a decision.
Special promotion: 40,000 bonus Qantas Points. The 40,000 bonus Qantas Points offer is available when you apply for a new Westpac Earth Black Credit Card between 2 July 2013 and 14 January 2014 and will be added to your Earth Credit Card within three business days after the first purchase transaction is debited to your account. The bonus Qantas Points offer is not available with any promotion other than a special balance transfer rate available at credit card application. The bonus points promotion does not apply to customers who obtain an Earth Black Credit Card as part of a package (including Westpac employee benefits), or switch or upgrade from an existing Westpac card.
Special promotion: 0.99% balance transfer rate. A 0.99% balance transfer rate is available for 6 months when you apply for a new Earth Black Credit Card between 2 July 2013 and 14 January 2014 and request at card application to transfer balance(s) (min. $200) from up to 3 non-Westpac Australian issued credit or charge cards. The variable purchase interest rate applies to balance transfers made at any other time. After 6 months the balance transfer rate converts to the standard variable purchase rate then applicable. The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers.
The balance transfer promotion does not apply customers who obtain Earth Black Credit Cards as part of a package (unless the package benefits state otherwise), customers accessing Westpac employee benefits or switch or upgrade from an existing Westpac card. Under the Premier Advantage Package Conditions of Use special balance transfer promotions apply to packaged cards.
Complimentary Qantas Frequent Flyer membership: A membership joining fee of $82.50 usually applies. However, Westpac has arranged for this to be waived for a limited time new Earth Black customers who apply at qantas.com/joinffwestpac. Each membership application is subject to approval by Qantas. For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
Earning and redeeming Qantas Points: The earning of Qantas Points is subject to the Earth Conditions of Use. Qantas Points are earned on eligible purchases only and exclusions and limitations apply. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of points is subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Qantas Points were previously called Qantas Frequent Flyer points.
Qantas Club Lounge Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated international Business Lounges only. Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the date printed on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. To be eligible for the two complimentary Qantas Lounge invitations, you must firstly register at earthblack.com.au and then use your Earth Black card on selected Qantas products and services in Australia. Each year, you will receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services. The two Qantas Lounge invitations will be sent to your Card account mailing address within 4 weeks of your eligible card spend, provided you are not in breach of the Conditions of Use and your account remains open.
Starwood Preferred Guest: Enrol online at www.spg.com/westpacworldmastercard or call 1800 072 525. The complimentary upgrade to Gold status is valid only for World MasterCard® cardholders who are enrolled as a Starwood Preferred Guest® qualified with an eligible stay and made full payment for the eligible stay and all services during the eligible stay with a World MasterCard®. The Starwood Preferred Guest Program Terms and Conditions and the terms and conditions of the Promotion are subject to change without notice. For full Terms and Conditions, please go to www.spg.com/WestpacWorldMasterCard.
Black Card Concierge Services are subject to the Westpac Rewards Cards Concierge Service Terms and Conditions
Insurance covers: issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 to Westpac under master policies. No Westpac Group company is liable in connection with the policies. Conditions, exclusions and limits apply. Refer to the policy for full details.
World 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 Earth Black American Express card is issued by Westpac Banking Corporation pursuant to a license from American Express.
© 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.