We investigate the T-matrix approach for the simulation of light scattering by an oblate particle near a planar interface. Its validity has been in question if the interface intersects the particle’s circumscribing sphere, where the spherical wave expansion of the scattered field can diverge. However, the plane wave expansion of the scattered field converges everywhere below the particle, and in particular at the planar interface. We demonstrate that the particle-interface scattering interaction is correctly accounted for through a plane wave expansion in combination with Fresnel reflection at the planar interface. We present an in-depth analysis of the involved convergence mechanisms, which are governed by the transformation properties between spherical and plane waves. The method is illustrated with the cases of spherical and oblate spheroidal nanoparticles near a perfectly conducting interface, and its accuracy is demonstrated for different scatterer arrangements and materials.