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Earth American Express Card and Earth Master Card

Look at Earth+ from every angle

No other premium card which directly earns Qantas Frequent Flyer points¹ is more affordable than Earth+.

There’s no limit to the number of Qantas Frequent Flyer points¹ you can earn. Plus if you're approved, for a limited time¹, we'll give you a free Qantas Frequent Flyer membership (if you don't already have one), saving you the $82.50 joining fee!

Where's the catch? There isn't one. Check the table below which compares direct earning cards and other cards in the market. You'll see there's more to life. On Earth.

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Information current as at 1 July 2008 and subject to change

		ANZ Frequent Flyer Visa Gold	Qantas American Express Premium Card	Velocity NAB Gold Card
Interest rate on purchases	17.99%pa	20.74%pa	20.49%pa	19.99%pa
Cash advance interest rate	19.24%pa	20.74%pa	20.49%pa	19.99%pa
Annual card fee	$125	$150**	$195	$150
Additional cardholder fee	$0	$10	$30	$0
Balance transfer interest rate	0.99%pa for 6 months on balance transfers²	0%pa for 6 months or 2.9%pa for 12 months	6.99%pa for balance life	3.99%pa for up to 6 months
Points capping	No	Yes##	No	No
Interest free period on purchases	Until 30 Sep 08 up to 55 days, from 1 Oct 08 up to 45 days⁶	Up to 55 days	Up to 55 days	Up to 44 days
Overseas Travel Insurance cover available⁶	Yes	No	Yes	Yes
Purchase Security Insurance cover⁶	Yes	No	No	No
Extended Warranty Insurance cover⁶	Yes	No	No	No

** Includes $55 annual reward program fee.
^^ Does not include $55 annual reward program fee.
## Does not apply to bonus points (as defined in the ANZ Frequent Flyer Visa Reward Terms and Conditions).

Things You Should Know

Information current as at 16 August 2008. Fees and charges are payable. Terms and conditions are available on request. Credit card applications subject to Westpac's normal lending criteria. Additional cards 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. While such material is published with permission, Westpac Banking Corporation accepts no responsibility for its accuracy or completeness. 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.

Effective 1 October 08, Earth+ will be known as Earth Gold.

1. The earning of Qantas Frequent Flyer points through the use of Earth or Earth+ card is subject to 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 and Earth+ cardholders where card applications are received by 30 June 2009. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer

2. This rate is only available to customers who are applying for a new Earth or Earth+ card and request to transfer the balance(s) from a non-Virgin or 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 cash advance interest rate (currently 19.24%pa and subject to change) and will be treated as cash advances 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 cash advance or purchase 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 or any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch to your credit card's standard interest rate for cash advances. Each balance transfer must be a minimum of $200.

3. Qantas Frequent Flyer points are not earned on cash advances and balance transfers (see 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 .

4.Only when you spend at least $500 on selected Qantas transactions 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 or 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 rate on purchases will apply to that purchase. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) booked directly with Qantas, membership of Qantas Club and Qantas Frequent Flyer membership, purchases from Qantas Holidays, purchases from ‘Qantas Travel’ customer shopfronts and purchases on Hotels on qantas.com - Excludes Jetstar flights and services.

5. Complimentary travel insurance cover is only available for trips of up to 3 months. The benefit of the cover only extends to the primary and secondary cardholder and their spouse and certain dependent children travelling with either the primary or secondary cardholder. The return overseas travel ticket must have been purchased using your Earth+ 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+ Insurance Conditions of Use .

6. On credit purchases only, where the closing balance (including any balance transfer or 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.

7. Qantas or Jetstar Any Seat Awards are available in any flight with a QF or JQ flight number. The points required for Qantas or Jetstar Any Seat Awards are variable and are only valid when quoted. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. Not all special promotional fares are available as Any Seat Awards. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com. The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523

American Express^® is a Registered Trademark of American Express Company. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
© 2008 Westpac Banking Corporation ABN 33 007 457 141

Issued by Westpac Banking Corporation