Why it is called the Earth card? Well we’re not sure, as it has nothing to do with the environment at all. What we can tell you is that this card is full of credit card goodness and very appealing for all those frequent flyers out there.

The Earth credit card’s rewards program is based on earning Qantas frequent flyer points with every purchase you make on the card. Earning potential in the Earth card’s rewards program is unlimited, and you can maximize your points with the help of the two credit cards you will receive, one being an American Express and the other a MasterCard.

Just like on the Earth Gold frequent flyer card, using your American Express for purchases will earn you one frequent flyer point for every dollar spent, and 0.5 points for every dollar spent on the MasterCard. Just remember that points are not earned on balance transfers and cash advances.

And just as an added bonus, you’ll get an extra point for every dollar you spend using your Earth American Express or MasterCard to purchase Qantas products. But no matter how you earn them, your points will be credited to your Qantas Frequent Flyer account at the end of each month.

But wait there’s more! If you let Westpac know when you purchase selected Qantas products using any one of your Earth cards, you’ll only be charged p.a.

And now for the interest rates…

Purchases earn interest p.a. and cash advances p.a. Neither of these are especially low so obviously this interest pays for your rewards program. Balance transfers to this card work out great if you can pay it off within your first 6 months as you’ll earn p.a. interest, however after that time it increases p.a.

The interest free period is lower than most at 44 days and the annual fee which is ok for a card with a rewards program, but would be more attractive if the Qantas Frequent Flyer membership fee was included. Instead this must be paid on top of your annual fee.

For a card that focuses on travelling it seems a bit strange that there are no actual travel benefits, but when you look at all the Earth cards you can see that these are reserved the premium Earth credit cards (gold and platinum).

With just one statement and one credit limit for the two credit cards it should be an easily managed credit card. If you’re not too fussed about the interest rate and are looking purely for vast frequent flyer points potential without any other benefits then this card is an excellent choice.

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