Westpac Earth Gold Credit Card Application

Terms and Conditions

Information current as at 24 January 2011. Important: Customers with Westpac packaged or switched credit cards or Westpac Group Employees are not eligible for this offer. 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 over the age of 16 years. 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. While such material is published with permission, Westpac Banking Corporation accepts no responsibility for its accuracy or completeness. The earning of Qantas Frequent Flyer points using Earth cards is subject to the Earth Conditions of Use (PDF 265 kb). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but Westpac has arranged for this to be waived for new Earth, Earth Gold or Earth Platinum cardholders where card applications are received by 31 December 2011. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer Complimentary travel insurance cover is only available for overseas trips of up to 3 months. The benefit of the cover only extends to the primary and any additional cardholder and their spouse and certain dependent children travelling with either the primary or additional cardholder. The return overseas travel ticket must have been purchased using your Earth Gold card prior to leaving Australia. This cover and the other 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 under the terms of each of those policies. The benefits of the insurance covers are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. The cardholder is under no obligation to accept the benefits of the cover and cover is subject to the terms and conditions of the policy. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must comply with the insurance terms and conditions. Exclusions 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 downloading the Earth Gold Insurance Conditions of Use (PDF 186KB). Annual card fee is subject to change. This promotional rate is available to customers who are applying for Earth, Earth Gold or Earth Platinum and request at application, to transfer the balance(s) from 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 purchase interest rate currently 19.99% p.a. and will be treated as purchases with no interest free days applying to them. Payments you make are first applied to any balance transfer amounts attracting the promotional interest rate before to any other purchase or cash advance balance, so the balance attracting the promotional rate will be paid off first. For a full list of Qantas Frequent Flyer program partners and terms and conditions, visit qantas.com/frequentflyer 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’ customer shopfronts. Please note you do not earn an extra point per $1 spent on purchases from Qantas Holidays, Hotels on qantas.com, Qantas Freight, Qantas Business Travel, Jetset Travelworld channels, Qantas Staff Travel or Jetstar flights and services. When you spend at least $500 on the selected Qantas products and services you’ll pay a fixed rate of 5.99% p.a. on those transactions. 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 that purchase. The Product Disclosure Statement (PDS) & Financial Services Guide (FSG) (PDF 220KB) will give you more information to help you decide if you want to take up this product. We recommend that you read the PDS and FSG and either print or save copies of them for your records. Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for the separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group Company (other than the Bank as policy distributor and WGIL and WLIS as product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee the benefits under the policy. A cash advance fee applies. Foreign transaction fees may also apply. American Express is a registered trademark of American Express. This card is issued and administered by Westpac Banking Corporation. MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPassTM is a Trademark of the MasterCard® International Incorporated.