The Westpac Earth credit card can reduce the cost of your next big holiday adventure. The card is actually a card system that consists of two credit cards that earn points into the same rewards account. These cards combine so that you only have one monthly statement and one spending limit to manage. The ease of handling both of these cards makes them even more valuable. Once you add to that the added potential you have for rewards by having both a MasterCard and an American Express card in your wallet the true value shines through.
Westpac Earth Credit Card System
Two Cards, One Account – The reason behind the Westpac Earth card system is to ensure that for every purchase you make there is an opportunity to earn points with it. The Westpac Earth American Express card gives you one point for every dollar that you spend on purchases. While this is a great deal, we all k now that they are fewer merchants that accept American Express then accept MasterCard. So, for those times when you cannot use the American Express card you can swipe the MasterCard and earn one point for every two dollars that you spend on purchases.
Rewards – While you are spending away you will also be earning valuable rewards points. There is no expiry on points so you can spend as much or as little as you choose at any given time. Points are exchanged into the Qantas Frequent Flyer Program. Those customers who get their card applications approved before the end of February of next year will get their memberships to the Qantas Frequent Flyer program for free. Cardholders get an added benefit of paying only 5.99% per annum interest on selected Qantas and services, just let Westpac know which purchases qualify so they can make the adjustment.
Balance Transfers – For those who are not familiar with it, a balance transfer is when you move the debt from one or several credit cards over to a new card in order to get a lower interest rate. Right now you may transfer your non-Westpac credit or store cards over to the new card and pay only 0.99% p.a. for 6 months. Not only does this allow you to pay off your debt cheaper but also faster which in the end will save even more money.
Just be sure that you pay off that balance transfer prior to using your new card for spending so you avoid falling into an allocation of payments trap. This is when all of your payment is allocated to the cheapest debt first, in this case the balance transfer. Purchases will be left to gain interest until the balance transfer has been completely cleared.
Competitive Interest Rates – Your Westpac Earth credit card has a competitive purchase interest rate of just 19.99% p.a. per annum and 21.49% p.a. per annum on cash advances. You can also take advantage of up to 45 interest free days.
These excellent Westpac Earth benefits and two linked cards are yours for only $75 per year in the annual fee. Of course with that fee comes the excellent security benefits that you expect from a quality credit card. Along with that you are backed up on line with the MasterCard Secure Code System that adds an extra layer of security to all of your Internet purchases. Just look for the Secure Code logo and you can spend with confidence knowing your identity and money are protected. If you want to save mother earth a little bit you can choose to e-statements instead of traditional paper statements.
Get Your Westpac Earth Card Today!
Read the official terms and conditions
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Posted on Thursday, November 11th, 2010 at 5:19 pm
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