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Important Information

* The earning of Qantas Frequent Flyer points using Earth, Earth Platinum and Earth Black cards is subject to the Earth Conditions of Use (PDF 265KB). Points are earned on eligible purchases only and exclusions and limitations apply.

~ Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account, i.e. directly with Qantas or some travel agents, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. 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.

^ 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 specified 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. Subject to Qantas Club Lounge Invitation Conditions available at westpac.com.au. 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. The two Qantas Lounge invitations will expire on the date printed on the invitations.

+ 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 context with the policies. Conditions, exclusions and limits apply. Refer to the policy for full details, which may be obtained by calling 1300 859 100 or from westpac.com.au.

# The promotional balance transfer rate is available when you apply for a new Earth Black Credit Cards between 2 April 2013 and 1 July 2013 and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit or store cards. The variable purchase interest rate applies to balance transfers made at any other time. Packaged cards and Westpac Group employees are ineligible. Promotional rate not available in conjunction with any other promotion. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 6 months from card activation, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid after 6 months. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days don't apply to balance transfers.

± Earth Platinum and Earth Black Concierge Services are subject to the Westpac Earth Cards Concierge Service Terms and Conditions.

Cards are offered and issued by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 ACL 233714 (Westpac). Westpac is the credit provider and credit licensee under National Consumer Credit Laws. Westpac pays Qantas for points issued in relation to Earth Cards. Credit card applications are subject to Westpac's normal lending criteria. Fees and charges are payable. Terms and conditions are available on request.

American Express is a Registered Trademark of American Express Company. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

If you are interested in a Card, make sure you check out all its features on the applicable Card Partner's website as Card features are only summarised here. Card features information is based solely on information supplied by the Card Partner. The information is current as at 26/07/12 and is subject to change. Qantas has made reasonable efforts to confirm with the applicable Card Partner as to the accuracy of information provided on this site but is not responsible for errors or omissions.

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program terms and conditions.

Qantas is not responsible for the content of the third party site you may enter from this site. See the External Sites' Disclaimer for further details.