Qantas Cash Card with Qantas Cash®

Rates and Fees verified correct on March 3rd, 2015

Save on foreign transaction fees, earn Qantas Points and board your flights faster with the Qantas Cash Card.

Our review of the Qantas Cash Travel Card should answer any questions about how the Qantas Cash Card works. We also compare the Qantas Cash Card to other travel cards. This should help you find out whether it's any good having your frequent flyer membership double as a travel money card.

Available CurrenciesAUD, USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED
Number of Cards Issued2
Minimum Load Amount$50
Maximum Load Amount$20,000
Maximum Annual Load Amount$100,000
24 Hour ATM Cash Withdrawal Limit$3,000
24 Hour POS Transaction Limit$15,000
Card Issue Fee$0
Initial Load Fee$0
ATM Withdrawal FeeAUD 1.95, CAD 2.00, EUR 1.50, GBP 1.25, HKD 15.00, JPY 160, NZD 2.50, SGD 2.50, USD 1.95, THB 70.00, AED 6.50
Reload Fee$0
Monthly Inactivity Fee (after 12 months inactivity)$0
Transaction Fee for Purchases$0
Card Replacement Fee$0
Cross Currency Conversion Fee3%
BPay Reload fee$0
Negative Balance Fee$20
Minimum Age16
Available To Temporary ResidentsNo

Qantas Cash travel MasterCard review

Qantas Cash Card is a handy prepaid travel card for people on the move.
You can load and hold up to eleven currencies on the Qantas Cash MasterCard with a locked-in exchange rate. A travel card to be used at home as well as overseas, rack up Qantas Points on all eligible purchases, and there’s no cost to open the account or keep the card.

Qantas Cash as a travel card

You can preload and hold up to eleven different currencies on the card at the same time. This is limited to AU$100,000, or foreign currency equivalent, in a 12 month period.

Currencies included:

Travel cards let you speak the same language with the overseas merchant... Monetarily speaking. And you can load up to eleven currencies on this card.

The Qantas Cash MasterCard is only one of two travel cards that allow you to load Emirati Dirham.

If you spend in a currency that is not loaded onto the card a currency conversion fee is charged. This fee is 3%.

#The order listed is the default order the currencies will be debited from your card if you don't have enough funds in one particular currency to complete a transaction.

Loading the Qantas Cash card

The account is managed on your online account via the Qantas Cash website with funds loaded either directly from your bank account using Bank Transfer, or using BPAY. Bank Transfer is the quicker of the two options with funds made available to use on your card in as little as 1 business day if you complete the transfer before 2pm AEST (depending on your bank). Loading funds using BPAY will take between 2-3 business days to process. Just plan where and when you want to use the card to ensure you’ll have funds at the ready when you need it.

The exchange rate is locked in at the rate quoted to you on the Qantas Cash website when you arrange the transfer from your personal bank account.

Load and withdrawal limits apply. For example, you can only hold $100,000 on the card at a time. These limits are in line with other non-bank issued travel card products. Fees and limits can be viewed at the bottom of the page.

Express check-in at the airport

The card also contains your Qantas Frequent Flyer membership information on it too, including a ‘Q-Chip’, which translates to less time waiting in line at the airport.

Using the Qantas Cash Card at home

Pay bills and earn Qantas Points

This is a pre-paid debit card, pay bills online or over the phone, make purchases over the counter and access cash through an ATM, you can do all the things you would usually do with a credit card. Just press 'credit' when using the card or select MasterCard when using online payment portals. Pressing 'credit' lets the system know you want to process the transaction through the MasterCard payment system.

Qantas Cash and Points

You can load this card with up to AU$100,000 or foreign currency equivelient, per year. Which puts a finite amount on the number of points you can earn with this card. The Qantas Cash Card will give your frequent flyer points balanace a boost every year if you're a frequent traveller who uses this product as their main choice of travel money while abroad.

  • Earn 1 point for every $1.00 you spend on purchases* in a foreign currency.
  • Earn 1 point for every $2.00 you spend on purchases* in Australia.

* Points are earned on eligible purchases only. This excludes cash transactions like money orders, gambling purchases, purchase of traveller’s cheques, buying foreign currencies or ATM withdrawals.

  • Pros

  • Qantas want you to use the Qantas Cash Card at home as well as overseas, purchases in Australian currency earn points and there is no additional domestic ATM withdrawal fee.
  • Online booking fees are waived if you use the Qantas Cash Card to book your flights within a week of departure.

  • Cons

  • Logging onto the online portal can be tricky if you're using a Qantas Cash website auto-generated password.
  • The PIN is generated automatically and can not be changed.

Frequently asked questions about the Qantas Cash Card

How do I get a Qantas Cash Card?

To get the Qantas Cash Card, and you’re not a member of the Qantas Frequent Flyer program, click the link on this page and follow the prompts till you get the Complimentary Qantas Frequent Flyer Membership page. It’s a matter of entering your personal, and contact details, confirming conditions and accepting terms to join the programs. Once this is all done, you’ll receive a Qantas Cash Card, which also acts as your frequent flyer membership, in the mail.

When you receive the card, it will need to be activated before it can be used. You will need your driver’s licence, passport or medicare card to complete the activation process. The card is activated through the Qantas Cash website. There’s a link in the top right hand corner of the webpage.

How to load the Qantas Cash

Loading via Bank Transfer

This is the quickest way to load funds onto your Qantas Cash card. You can access the funds in up to 1 business day when you transfer money directly from your bank account using Bank Transfer before 2pm AEST/AEDST (depending on your bank).

When on the Qantas Cash website select ‘Load funds’ from the menu. Enter the Australian dollar amount you want to load onto the card and select a currency to purchase. You can see how much foreign currency you’ll get after the transfer from Australian dollars. Select ‘Bank Transfer’ as you method of payment, and an email will be sent to your inbox with your unique payment details. Use this information to complete your payment by logging into your personal online banking account or via phone banking.

Load Via BPAY

Loading via BPAY is done in the same way loading via Bank Transfer is carried out on the Qantas Cash website, only select ‘BPAY’ as your method of payment instead. Follow the prompts to receive your unique payment details via email before completing the transfer from your personal online banking account or via phone banking.

Be conscious that payments made via BPAY take time to process, so plan when you load funds onto your card and allow up to 3 business days for the BPAY payment to clear and for the funds to become available on your card.

When will the points I earn using Qantas Cash appear in my Qantas Frequent Flyer account?

Qantas updates the points balance monthly, so wait for a bit if you don't think your points balance reflects your spending.

Protection against fraud?

All payments that are processed by the MasterCard poyment system are 'protected' by the MasterCard Zero Liability Guarantee. This is more or less a money back guarantee if you've been the victim of fraud.

How to report an unauthorised transaction?

If you've been the victim of card fraud, OR IT;S LOST OR STOLEN, you only need to call the Qantas Cash customer service team. They will guide you through the process.

Qantas Cash Service Centre:

  • 13 11 31 or 61(2) 9433 2329, if overseas.

Qantas Cash Card is lost or stolen

Call the number below to have your card blocked if it' reported stolen or suspended if it's reported lost.

Qantas Cash Service Centre:

  • 13 11 31 or 61(2) 9433 2329, if overseas.

Can I get a second or Supplementary card?

One Qantas Cash Card per person.

Getting the Qantas Cash PIN

Call the Qantas Cash Service Centre to get your PIN, or you can retreieve your PIN online through the Qantas Cash website.

The PIN is randomly generated and can not be changed.

Qantas Cash Service Centre:

  • 13 11 31

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This page was last modified on 30 January 2015 at 10:11.

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Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
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255 Responses to Qantas Cash Card with Qantas Cash®

  1. Default Gravatar
    janice | March 3, 2015

    How much is the ATM fee for withdrawals in NZ

    • Staff
      Shirley | March 3, 2015

      Hi Janice,

      Thanks for your question.

      Qantas Cash charges NZD 2.50 and some ATM operators may charge a withdrawal fee. This fee varies as different ATM operators charge different fees.


  2. Default Gravatar
    Mitch | February 25, 2015

    Hi :)

    I’ve been traveling for almost a month now paying everything with Qantascash since the start of January however my points balance says I’ve only earned 6 points over that nearly 2 month period. I can guarantee I have spent more than $6 or the equivalent to get that amount of points on purchases over this amount of time haha

    Do you know how to fix this?

    Thank you very much :)

    • Staff
      Shirley | February 26, 2015

      Hi Mitch,

      Thanks for your question.

      It sounds like an internal problem with your Qantas Cash card, please speak to a member of the customer service team at Qantas, they will able to fix for you.

      Please note that eligible purchases do not include money orders, reversed charges, traveller’s cheques, gambling chips or purchasing foreign currencies in cash.

      Also, you do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. In some cases, it can take up to eight weeks for your points to appear in your account.


  3. Default Gravatar
    Harry | February 25, 2015

    Hi, I have two questions:

    1 – Can somebody else load fund to my Qantas Cash via a bank transfer?

    2 – Is it for free to use Qantas Cash card to get cash from Australia DOMESTIC ATMs? If not all of them are free, which of them are.

    Thank you for answering.

    • Staff
      Shirley | February 25, 2015

      Hi Harry,

      Thanks for your question.

      Someone else can load funds into your Qantas Cash using BPAY. They will need your 16-digit card number as the reference number and the Qantas Cash Bill Code on the back of your card.

      While Qantas doesn’t charge any fees for ATM withdrawals in Australia, some ATM operators may charge their own fee or set their own limits. E.g. An ATM owned by Commonwealth Bank may charge a fee at Commonwealth Bank’s discretion.


    • Default Gravatar
      Harry | February 25, 2015

      Thanks for your reply.

  4. Default Gravatar
    John | February 19, 2015

    Can I deposit money into my Qantas Cash account using PayPal? like using the BSB and account number link that to PayPal, then transfer the funds to my Qantas Cash account?

    • Staff
      Shirley | February 19, 2015

      Hi John,

      Thanks for your question.

      You can only reload your Qantas Cash using a bank transfer direct from your account or through BPAY.

      At this point in time PayPal is not supported.


  5. Default Gravatar
    888terri | February 14, 2015

    Is there a fee in using the Qantas cash card to withdraw cash through eftpos? ie If I am in the US and in Walmart (ha ha – all roads lead to Walmart) – I press credit and withdraw cash?

    • Staff
      Shirley | February 16, 2015

      Hi Terri,

      Thanks for your question.

      Qantas doesn’t charge a fee for this, but just double check with Walmart that they don’t charge a fee for cash-out either.


  6. Default Gravatar
    Damon | February 10, 2015

    I need to clarify whether there is a monthly inactivity fee charged for the Qantas Cash Card.

    Is it correct that in the past that $1 per month was charged after 12 months of inactivity and now there in no longer that fee being charged?

    • Staff
      Shirley | February 10, 2015

      Hi Damon,

      Thanks for your question.

      According to other sources such as Ausbt, Qantas Cash used to charge an inactivity fee. However, their new terms and conditions state that this fee is longer charged.


  7. Default Gravatar
    Sandra | February 9, 2015


    I am planning to go to China for 2 weeks. I do have a Qantas Cash Card but I have never used it before. I didn’t see CNY$ in the list of currencies and I was wondering if Qantas Cash Card does support it or not?
    Also, What is the transaction fee if I load it with AUD$ and does it have any ATM withdraw charges?

    Thanks Loads :)

    • Staff
      Shirley | February 10, 2015

      Hi Sandra,

      Thanks for your question.

      The Qantas Cash doesn’t support the CNY. There’s no fee for loading funds onto the card.

      If you withdraw from an international ATM, the charge is AUD 1.95 or equivalent plus the ATM operator may charge a fee. A currency conversion fee of 3% of the transaction value will apply as well as long as exchange rates.

      If you’d like, you can see our travel money guide for China to see what other travel money options are available to you.


  8. Default Gravatar
    Emi | February 9, 2015


    I’m thinking to load up AUD$ to the Qantas Cash Card then ATM the AUD$ after I arrived Hong Kong, as I was told the rate is better to convert AUD$ to HKD$? Is that doable? Will there be a limit on how much I can cash out from the card daily in Hong Kong? What is the transaction fee?

    Or is it better if I convert the money straight away in HKD$ to the card?

    • Staff
      Shirley | February 9, 2015

      Hi Emi,

      Thanks for your question.

      If you withdraw funds from an ATM in Hong Kong, it will produce HKD. The maximum you can withdrawal from ATMs in any 24 hours period is AUD 3,000 or equivalent.

      The currency conversion fee is 3% of the transaction value. It may be best to convert the funds straight to HKD first so you can avoid this fee.


  9. Default Gravatar
    Ian | February 7, 2015


    Once I have loaded money onto my Qantas Cash card, how long can the account remain inactive before a fee is charged?


    • Staff
      Shirley | February 9, 2015

      Hi Ian,

      Thanks for your question.

      There is no inactivity fee charged for the Qantas Cash. Please note that the card does expire, the date is printed on the Qantas Cash side of the card.


  10. Default Gravatar
    Sally | February 7, 2015

    My son is in the UK for 12 months & is using his qantas cash card at the moment. Is he able to transfer money from his UK bank account into the cash card account? He seems unsure about the process.

    • Staff
      Shirley | February 9, 2015

      Hi Sally,

      Thanks for your question.

      You can only load the Qantas Cash from an Australian Dollar bank account. The account would also need to support the BPAY facility.


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