WestpacEarth

Terms and Conditions

Offer is limited to new credit card applications and is not available with any other Westpac offers. Cards are offered and issued by Westpac Banking Corporation (Westpac). Credit card applications are subject to Westpac's normal lending criteria. If you are applying for these 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 bonus reward points and any promotional balance transfer rate) available at point of application.. Fees and charges are payable. Terms and conditions are available on request. An additional card can be issued on the primary cardholders credit card account to any nominated person 16 years or over. All transactions using the additional card will be the responsibility of the primary card holder. This information was supplied to Qantas by Westpac and is current as at 23 September 2011. Qantas has made no enquiries as to its accuracy and is not responsible for errors or omissions.

1. The 16,000 bonus Qantas Frequent Flyer points offer applies only once per new Earth account. You must make an eligible purchase on either of your new Earth cards by 31 January 2012 to receive the 16,000 bonus Qantas Frequent Flyer points. Bonus points will be credited to your account 3 months from your first spend. This offer is not available in conjunction with any other offers.
2. Points earning is subject to Earth Conditions of Use. Points are not earned on cash advances (including the purchase of gambling chips, travellers cheques and ATM withdrawals) and balance transfers. You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee applies. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program, visit qantas.com/frequentflyer for more information.
3. This promotional rate is available to customers who are applying for new Earth cards 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 variable purchase interest rate (currently 19.99% p.a.) 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 standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.

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2011 Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ACL 233714.