Westpac’s Earth Gold credit card gives it’s platinum counterpart a real run for its money , with nearly all the benefits of the platinum card at just half the price.

With an annual fee, this airline rewards credit card gives you all the benefits that seem to be missing from the standard Earth credit card. These include complimentary international travel insurance, extended warranty insurance and of course, purchase protection insurance.

The overseas travel insurance is a great addition to the Earth Gold credit card. When flights are purchased using this card it covers both the cardholder and their immediate family on international trips of up to three months.

Points are earned at the same rate on this card as the standard card, with 1 point for every dollar using the American Express and 0.5 points with the MasterCard. Interest rates are also the same p.a. for purchases and p.a. for cash advances, and p.a. on balance transfers for the first 6 months with up to 45 days interest free on purchases.

This is the main downfall of this card in comparison to the Westpac Earth platinum credit card, as the spend amount required is much higher due to the lower frequent flyer points earning rate.

Other similarities include p.a. interest on balance transfers and an extra frequent flyer point for every dollar spent on selected Qantas products purchased using either of the Earth Gold Cards. Obviously you would need to be travelling to get any benefits from this card, however if you are then this would be one of the best frequent flyer credit card options on offer from Westpac.

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