By using this unique system of two linked cards you will never run short of chances to earn miles. The two cards are the Gold American Express card and the Gold Visa Card. Both cards earn points that go to one rewards account. These cards are really just one account, with one annual fee and one monthly statement. Just because you have two cards does not mean you have twice the cost or twice the hassle.

Earning miles with your Singapore Airlines Westpac Gold Card is simple. All you have to do is spend as you normally would, using whichever card is accepted or you prefer and the miles are added to your account.

Your Gold American Express card earns miles at a rate of 1 KrisFlyer mile for every dollar spent and your Gold Visa earns them at .5 KrisFlyer miles for every dollar. There are also ways to earn even more points, like using your card to buy things on singaporeair.com.au. When you spend at that website points are doubled.

In fact, you automatically earn 5,000 KrisFlyer miles the first time you spend on either your Gold American Express or your Gold Visa card. A bonus point is offered when you use your card to spend with Singapore Air bonus partners.

Singapore Airlines Westpac Gold Card Perks

Interest Rates – Everyone wants low rates and the Singapore Airlines Westpac Gold Card has them. The purchase interest rate is a variable per annum and the cash advance rate is a variable per annum.

Annual Fees – Your annual fee is just $ for the first year and $ for each subsequent year.

Balance Transfers – Alleviating old credit card debt is simple and cheap with a balance transfer. Just move the balances from your old cards over to your new Singapore Airlines Westpac card and pay on the amount. Doing this gives you time and extra cash to clear your debt out forever.

Cover – Whether you are travelling or shopping, as long as you use your card you are covered. Cardholders get free overseas travel insurance for trips of up to six months. They also get purchase security insurance and extended warranty insurance, all for free.

In addition to great rates and rewards Singapore Airlines Westpac Gold Card offers paperless statements so you can do your part to save mother earth.

The linking of two accounts provides you with more opportunities to earn more points. But, just because you have two cards does not double the amount of accounting or cost. The cards are both covered under one annual fee and come with one, combine monthly statement. Double points but not double trouble.

The two cards that you get with a Singapore Airlines Westpac Platinum Card system are the Platinum American Express and the Platinum Visa card. The American Express card earns 1.5 Krisflyer miles for every dollar you spend while the Visa card earn one point for every dollar spent. The reason to have the two cards is clear, you can use American Express for most of your purchases, to earn the most points. But, for those merchants who do not accept American Express you can swap to use your Visa card.

This way you are still adding to your miles account and you always have a card that will be accepted. In addition to those points you are automatically awarded 10,000 points for your first spend on either card.

Points are also doubled when you spend on singaporeair.com. Also, when you spend with participating partners here in Australia you can earn one bonus point for each dollar.

Singapore Airlines Westpac Platinum Card Benefits

Annual Fee – The annual fee for the first year is $. After that it is only $ per year.

Balance Transfer – If you already have credit card debt that you want to clear off cheaply you can transfer it to your Singapore Airlines Westpac Platinum Card and pay just .

Interest Rates – The purchase interest rate is a low per annum and just per annum on cash advances. Both of these are variable interest rates.

Free Insurance – One of the best Platinum benefits is coverage and this card offers a lot. Cardholders get overseas travel insurance, purchase security insurance, and extended warranty on any items or bookings made with their card.

Security – Look for the Verified by Visa logo when you are shopping online for added security. Westpac also has added online security service so you can shop with confidence.

Double your pleasure with the Singapore Airlines Westpac Platinum Card program. Two cards, just one statement and one annual fee. There is no better way to earn miles.

Platinum cards can offer you significant rewards and afford you access to some of the most exclusive deals and the Westpac Earth Platinum card is no exception. If you earn over $65,000 a year, you are eligible to apply for these rewards programs and exclusive offers, and the Westpac Earth Platinum credit card can even help you regain control of your existing credit card debt for a smarter future.

Features of the Westpac Earth Platinum Credit Card

Owning a Platinum card is not just all about the prestige of being able to show a flash of platinum from your wallet as you pick up the tab. The features of the Westpac Earth Platinum card show it is not just all about looks:

• A 5 star rating. CANSTAR CANNEX are an independent judge of the best financial products in Australia, and an awarded credit card, with a five star rating is nothing to turn your nose up at.
• Free Frequent Flyer membership. If you apply for a Westpac Earth Platinum credit card before 30 June 2010, you will also receive free membership to the Qantas Frequent Flyer program, which offers you its own host of benefits, in addition to those from your linked Westpac Earth Platinum card.
• You’ll receive a MasterCard and American Express credit card for one price. As companion cards, your American Express card works to earn you more rewards points, while your MasterCard steps in where American Express is not accepted, or where a surcharge applies. You don’t build two balances, nor do you have to make two monthly payments, the cards are linked to the same account and
make it easier for you to use credit, earn rewards and enjoy platinum benefits.
• Both your cards earn you Frequent Flyer points. Your American Express card will earn 1.5 points for every one dollar that you spend, and your MasterCard will earn half a point for every dollar. Your points aren’t capped, nor is there a limit to your spending each month. You can also earn bonus points on purchases you make with partnered retailers, and when you buy Qantas products or services.
• Insurance coverage for you and your purchases. Your Westpac Earth Platinum card qualifies you for free overseas travel insurance, as well as purchase cover if something you buy is lost, stolen or damaged, and can extend a manufacturer’s warranty by up to 12 months.
• A day interest free period. An interest free period gives you the opportunity to use your card wisely before your purchases start attracting interest at . your cash advances don’t have any interest free period and are charged interest, while your annual fee will be .
• An exclusive Qantas interest rate. When you make purchases for Qantas products or services on your Westpac Earth Platinum card, those purchases will only be charged a fixed 5.99% interest.
• A balance transfer offer of . months gives you a comfortable time to repay any outstanding balances you have on existing credit cards, before you start enjoying the best deals on your new Westpac platinum card. With just a % interest rate you will be able to repay more towards your principal balance and pay it down faster.

How to Apply for a Westpac Earth Platinum Card

If you are ready to make your purchases work harder for you, then you can complete an online application for the Westpac Earth Platinum card now if:

• You have 15-20 minutes to enter your personal details, income information and debt and asset amounts.
• You are 18 years or older.
• You are an Australian resident or permanent citizen.
• You earn $65,000 a year or more.

Credit card companies will promise you the earth, and all you can end up with is a whole lot of bad debt and nothing to show for it – that’s because those credit cards were not right for you. when you consider the Westpac Earth Gold card, consider whether you could benefit from 45 interest free days to repay your balance, or whether you could use rewards such as discounted flights, entertainment and dining. If you find that the features of the Westpac Earth Gold card really are offering you the best credit card deal, your new gold card really will be able to take you anywhere on earth.

Features of the Westpac Earth Gold MasterCard and American Express

If you’re thinking you can’t afford a gold card, and that you certainly don’t want to get involved with American Express, think again because the Westpac Earth Gold credit card offers you the best gold card features, the best American Express rewards programs and the best deal on low fees and interest rates. With a Westpac Earth Gold card you’ll get:

• A companion card – two for the price of one. The Westpac Earth Gold card is actually a deal for two credit cards. When you apply successfully for the Westpac Earth gold card, you will receive a MasterCard and an American Express card. Both cards are linked to the same account and create one balance, so you have two cards, but not two credit limits, and not two payments to make each month – just one. What you do have is the opportunity to enjoy additional American Express rewards and earn more points with your American Express card, but you can also use your MasterCard where American Express is not accepted, or where you would be charged a surcharge.
• Collect points using your card, and from the retailers you use your card with. On your American Express Westpac Earth Gold card you will earn one point for every dollar you spend, on your MasterCard you will earn half a point for each dollar. You can also earn additional points on each purchase by spending with partnered retailers, and when you purchase Qantas products or services you can earn one Frequent Flyer point for each dollar you spend too.
• Be part of the American Express rewards program. The American Express Select rewards program offers you exclusive deals on travel, entertainment, dining and shopping just for being an American Express card holder.
• Be part of the MasterCard rewards programs. The MasterCard Applause program rewards you with exclusive access to events, concerts and motorsport, while the MasterCard Moment rewards program gives you great deals on travel and entertainment.
• Free overseas travel insurance. When you use your Earth card to purchase your tickets, you and your family will be covered when you travel overseas.
• A 45 day interest free period and a low annual fee. If you don’t pay your balances back to zero within the interest free period, your purchase interest rate is . Your cash advances don’t qualify for interest free days and are charged at interest. Your annual fee is just .
• A fixed Qantas interest rate of 5.99%. When you purchase Qantas products or services, those purchases will be charged a fixed interest rate of just 5.99%.
• A balance transfer offer of . This allows you to be charged almost no interest on balances you transfer to your Westpac Earth Gold card, and is a great deal for someone who needs time to get control of their credit card debt, before being able to enjoy some of the best rewards of owning a credit card that fits well.

How to Apply for a Westpac Earth Gold Card

If you want to find out how much better it can be to use a credit card which fits you best, you can complete an online application:

• Your online application will take just 10-20 minutes.
• You must be 18 years or older.
• You must be an Australian resident or citizen.
• You must earn at least $50,000 a year.

The customer gets a Westpac Earth American Express Card and a Westpac Earth MasterCard, and there are three levels available – standard, gold and platinum. Where American Express is accepted, you can earn more points per dollar than when you use your MasterCard. Plus you enjoy the usual benefits that go with carrying an Amex card. If a merchant is not geared to accepting American Express, then you simply hand over the MasterCard companion card instead.

There is also a great introductory balance transfer offer with all three versions of the Westpac Earth Card – % for months when the debt is transferred from a non-Westpac credit card.

Westpac Earth Cards Rewards Program

• Free Qantas Frequent Flyer membership for applications received by 30 June 2010
• Earn 1 Qantas Frequent Flyer point per $1 spent on purchases when using your American Express card
• Earn 0.5 Qantas Frequent Flyer points per $1 spent on purchases when using your Westpac Earth MasterCard (any level)
• Earn points twice – once with your Earth cards and once with the partner – when you shop at a wide range of Qantas Frequent Flyer program partners
• Earn one extra Qantas Frequent Flyer point per $1 spent on purchases on selected Qantas products and services
• No points capping

Key features across the Westpac Earth Cards range

• % p.a. interest rate on balance transfers from non-Westpac credit cards for the first months following account opening
• p.a. on purchases
• p.a. on cash advances
• annual fee
• 5.99% p.a. fixed interest on selected Qantas products and services
• Up to 45 days interest-free on purchases
• American Express Emergency Travel Assistance
• American Express Select – Save with exclusive offers in travel leisure, dining and shopping
• MasterCard applause – Providing special access to some of the biggest events and names in entertainment and sport
• MasterCard Moments – Providing you with unique travel and entertainment opportunities

Find out how Westpac Earth Cards can help you build Qantas Frequent Flyer miles far quicker. Apply today and get two cards for the price of one – a MasterCard and a prestigious American Express.

With such an abundance of good reasons to choose the Westpac Earth Card to carry in your purse or wallet, why not make an application today?

Compare the Features of a Westpac Altitude Platinum Card

• Award winning rewards five years in a row from Money magazine. In 2010 the Westpac Altitude Platinum card was named Best of the Best in the rewards credit card category and in the best frequent flyer program category. Having been awarded the best of the Best Rewards credit card for five years running you can feel sure that you will be able to enjoy the very best platinum deals and the easiest to use, most rewarding rewards program.
• Your choice of credit cards, with two cards linked to one account and one monthly bill. The Westpac Altitude Platinum card deal consists of an American Express credit card and your choice of either a MasterCard or a Visa companion card. In this way you have the wide acceptance of either a MasterCard or Visa, while the added points earning capacity of an American Express card. At the same time you still only accumulate on credit card balance and have to pay one monthly bill.
• Earn 15,000 points with your first purchase and up to 3 points for every $1 you spend. When you are able to use your American Express Altitude Platinum card then you can earn three points for every dollar you spend. Where you need to use your MasterCard or Visa card then you will still earn one point for every dollar, avoiding a surcharge, but not missing out on rewards. Plus, you can hold onto your rewards points for as long as you like, because they are not capped and they never expire. When you first spend on either of your Platinum cards, your account will be credited with 15,000 rewards points so you can start redeeming right away.
• Greater platinum insurance coverage. The free travel insurance on a Westpac Altitude platinum card is extended to six months, while you will receive purchase cover for lost, stolen or damaged items for four months, and an extended manufacturer’s warranty of an extra 2 years.
• Concierge service. as a platinum card holder you will have exclusive access to Westpac’s 24/7 concierge service which is available anywhere in Australia or around the world and can help you book tickets, reserve hotel rooms, organise car hire, obtain concert tickets and much more, so it is like having your very own personal assistant on the other end of the phone, and you don’t have to pay this assistant a thing.
• Your interest rate is no higher, and you can enjoy 45 interest free days. The purchase rate and cash advance rate on a Platinum card is no higher than that offered on Westpac’s gold card, but you enjoy greater rewards point earning options and more extensive insurance and protection as part of the deal. This means your purchase rate is and your cash advance rate is while the Platinum annual fee is higher at .
• A balance transfer offer of . Take control of an existing credit card balance with a low % interest rate for months. You can take advantage of the Westpac Altitude Platinum card offer, while you clear an old credit card, to make way for a new and better deal.

Apply Now for a Westpac Altitude Platinum Card

Credit card rewards programs are no longer just about accumulating points for flights or a seat in the members’ airport lounge, you can now choose to redeem your points for everything from Jamie Oliver’s kitchenware to a Bunnings gift voucher. Plus there are a number of other rewarding features which come with the Westpac Altitude Gold credit card which may just be the best deal for you.

Features of the Westpac Altitude Gold Card

In your application for the Westpac Altitude Gold credit card, you have the choice of a MasterCard or a Visa card, to accompany your American Express companion card. If that all sounds too complicated, in reality it makes your life easier because you can use your card more easily in more places, and still only have one bill and one balance to take care of. Here’s how the features of the Westpac Altitude Gold card work:

• Wider acceptance and more rewards. With your choice of Visa or MasterCard you never have to worry that your credit card won’t be accepted because there are over 29 million places worldwide where your card is welcome. However, before you hand over your MasterCard or Visa, ask whether American Express is accepted because you will earn two Altitude points for every one dollar spend on your American Express, and only one point per one dollar on your companion MasterCard or Visa. As a result, you can enjoy the best of both worlds, collecting points while avoiding surcharges for American Express, and earn double points everywhere else.
• A 10,000 point bonus for new Altitude gold card holders. When you make your first purchase with your Westpac Altitude Gold credit card, you will earn 10,000 bonus points to start you on your way to great rewards. The points will be credited to your account within a week, and you can start redeeming rewards right away.
• Top up your points with a little cash for the rewards you want. You may think that 10,000 rewards points is not enough to redeem and in most cases it’s not, however with the Altitude rewards program you can top up your points balance by paying a little extra cash. For example you can spend 10,000 of your points, add $30 cash and receive a reward which would normally cost you 15,000 points. Or you can hold onto your bonus points and grow your balance for a bigger reward, because there is no cap to your points earning capabilities and they don’t expire.
• Three months of free overseas travel insurance. This means one less thing to organise in your travel preparations and of course one less travel expense.
• Extended warranty, and purchase insurance. When you make a personal purchase on your Altitude gold card, you are eligible to have it covered by an extended warranty. In most cases this can be an extension on top of the manufacturer’s warranty of up to 12 months. Your purchases are also protected against loss, damage and theft for 3 months.
• A 45 day interest free period and just a annual fee. For all of the rewards and gold card holder benefits you are paying just a year in an annual fee. You also have a long 45 day interest free period so you can avoid the purchase interest rate. However, if you make a cash advance, the interest rate will be applied right away.
• A % balance transfer deal for months. Don’t miss out on the Westpac Altitude Gold credit card deal because you already have a credit card, transfer your balance to the Westpac Altitude Gold card and take advantage of a low interest rate.

How to Apply for the Westpac Altitude Gold Card

If the Westpac Altitude Gold card sounds like the credit card deal which is best for your needs, then gather the information you need to apply:

• Apply online in just 15 minutes, and receive a response back in 60 seconds.
• You will need to enter your personal details, income, expenses, other debts and assets.
• You will need to be over 18 years old, and a permanent Australian resident, or a citizen.
• You will need to earn $50,000 a year or more.

Features of the Westpac Altitude Credit Card

You have every opportunity to earn points and bonus points with the Westpac Altitude cards deals and you don’t have to worry about a lot of fees or high interest charges because you can manage existing debt with a balance transfer deal, and stay out of new debt with a long interest free period. Additional features of the Westpac Altitude credit card deal include:

• Your choice of MasterCard or Visa. A simple choice, but one it is nice to be offered, because you can make your decision simply by choosing the opposite to what you already have in your wallet, to ensure you are never at a loss for an accepted credit card.
• American Express companion card. You have two cards, but one account. Two chances to earn rewards points, but one monthly payment to make. An American Express companion card allows you to earn more rewards points for every dollar you spend on your Altitude card, however, you don’t have to miss out o Altitude points all together if American Express is not accepted, because you can still earn points on your linked Visa or MasterCard. On your American Express Altitude card you’ll earn two points for every dollar you spend, and on your Visa or MasterCard you’ll earn one point. for each dollar. At participating partners you’ll also earn an additional point for every dollar.
• Redeem your points for Frequent Flyer points or your choice of rewards. You can transfer your Altitude reward points to your Frequent Flyer account, or you can choose from a range of other rewards such as new technological gadgets, home wares, clothing, wine, or shopping vouchers for David Jones, Myer, Harvey Norman and Bunnings. You can even top up your rewards points with cash to qualify for an item. Your points are not capped and they don’t expire.
• A bonus 5,000 points. When you first use your new Westpac Altitude card, you will receive a bonus 5,000 rewards points to get your account started.
• A 45 day interest free period and a annual fee. A low fee and a long interest free period allows you to avoid the purchase interest rate and keep your credit card affordable. Your cash advance rate is .
• Balance transfer deal of . If you already have a credit card with a balance, you can still take advantage of the Westpac Altitude offer by transferring that balance to your new Westpac card. You’ll also enjoy a month low interest rate period of just so you can get your credit card under control.

How to Apply for a Westpac Altitude Card

The Westpac Altitude credit card offer is a great deal for those people looking for a simple and easy to use – and redeem – rewards program without a lot of conditions or fees. If you think the Westpac Altitude credit card is the best deal for your needs, apply now:

• You must be 18 years or older.
• You must be an Australian citizen or permanent resident.
• You must earn $15,000 a year or more.
• You can apply online in just 15 minutes and receive an instant response.

Features of the Westpac 55 Day Platinum Visa Credit Card

If you’ve never compared the features offered on platinum credit card deals because you thought the fees and interest charges would cancel out any meaningful rewards, then start your discovery of the best deals available on a platinum credit card here. Platinum features you can enjoy on the Westpac credit card for a fraction of the price, include:

• A saving of annual fee in the first year. Just for opening a Westpac 55 Day Platinum card account, Westpac will reward you by waiving the annual fee in the first year. This means you can get your spending, your platinum rewards and your savings off to a great start – but what about the following years, you ask?
• Qualify for an annual fee waiver in the following years of your account. All you have to do is spend $20,000 on your credit card in a year, and you won’t be charged the annual fee in the following year. This means it’s possible to never pay an annual Platinum card fee if you spend your first $20,000 in your first fee free year.
• A 24/7 personal assistant. Westpac don’t send out an actual assistant to manage your appointments – if they did you’d have to find them a desk – instead you will receive access to a 24 hour, seven day a week concierge service so you can make one call and book dinner, flights, hotels or car hire – plus much more. This service is also available throughout Australia and around the world.
• Six months overseas travel insurance. There is no need to adjust your holiday or travel plans because your platinum coverage travel insurance looks out for you around the world, for an extended six month period.
• Extended purchase security and warranty protection. The purchase security for items which are lost, stolen or damaged is extended to 4 months on your Westpac Platinum credit card, and you can qualify for a 24 month extension to an extended manufacturers’ warranty on most new products.
• A 55 day interest free period. A feature you would expect considering the name of the product, but a Westpac 55 Day Platinum card has an interest rate you wouldn’t expect; rather than raising the purchase and cash advance rate on their platinum credit card, Westpac have maintained the same interest rate from their standard Westpac 55 Day credit card, on their platinum credit card deal.
• on balance transfers. For a very low balance transfer rate of % you will have a month period to gain control over your debt or pay off an existing credit card balance before you enjoy the benefits and rewards deals of your new platinum credit card.

How to Apply for a Platinum 55 Day Westpac Visa Card

If you meet these criteria, There is no waiting around when you apply for the Westpac 55 Day Platinum card deal because once you complete the online application form. You will receive a response within 60 seconds. To be eligible to apply you must be 18 years or older, be an Australian citizen or permanent resident and earn over $65,000 a year.

Instead, consider the features of the Westpac 55 Day Gold credit card deal, and whether this is the best card for your circumstances.

Features of the Westpac 55 Day Gold Card

Offered by one of the biggest of the Big Four banks, you may expect the Westpac 55 Day Gold card to also have the biggest of big interest rates and fees; not only is that not the case, Westpac also gives you opportunities to avoid their already low fees and interest charges. Find out more about the Westpac 55 Day Gold card features such as:

• No annual fee for the first year. As a new customer to the Westpac 55 Day Gold card, you can also enjoy a $0 annual fee for the first year your account is opened.
• Ongoing annual fee waiver. If you spend $15,000 or more on your gold credit card in a year, you will qualify to have the annual fee waived for the following year. A $15,000 turnover of purchases would not be hard to achieve in a year, if you used your gold card within the interest free days for all of your purchases and left your wages to build interest in a savings account you could reach a $15,000 spend easily with groceries and bills, while you repaid your balance back to zero throughout the year too.
• Free overseas travel insurance. Organising travel insurance can be a time consuming hassle when you travel, especially when you have a family and require coverage for everyone. Therefore, knowing you and your family are automatically covered when you travel overseas can make your travels a breeze. Your free travel insurance deal offer you coverage for loss or damage of personal property, legal liability cover, rental vehicle cover and transit accident insurance.
• Extended coverage and protection on your purchases. Purchases you make with your Westpac 55 Day Gold card are automatically covered if they are lost, stolen or damaged for 3 months, in Australia or overseas. Most new items you buy on your gold card will also qualify for an extension beyond the manufacturer’s warranty of up to a year.
• Your choice of Visa or MasterCard. If you already have a MasterCard in your wallet, then you will probably choose a Visa card as your gold card – and visa-versa – since it makes sense to have a diversity of cards available to you. Even though most places in Australia will accept MasterCard and Visa equally, you don’t want to be caught out, especially when you have the choice right now.
• A 55 day interest free period. When you pay your balance back to zero within the interest free period, you can avoid the purchase rate. The cash advance rate is and cash advances do not qualify for interest free days.
• Receive a balance transfer offer of . The interest charges on a credit card can be the highest hurdle to overcome when you are trying to pay down your debt but with just a % interest rate, the bar becomes easier to clear. Plus, you have months to clear it so you don’t have to make drastic budget changes and eat plain noodles every night, you just need to concentrate on controlling your debt and Westpac can help you.

How to Apply for a Westpac 55 Day Gold Card

You will need to earn at least $50,000 a year to be eligible for this gold card, and you will also need to be over 18, and an Australian resident or citizen. If you meet these eligibility criteria, spend the 15 minutes completing an online application form, to apply for a gold card which is offering attractive deals on fees and interest rates, and the chance to get control of your credit card debt, without letting it control you.