Qantas Card with Qantas Cash®

Rates and Fees verified correct on June 30th, 2016

Do you want a multi-currency travel money card that lets you earn reward points? Consider Qantas Cash.

Qantas Cash functions as a prepaid reloadable MasterCard that lets you carry multiple currencies at the same time. Unlike most other travel money cards, Qantas Cash lets you earn Qantas Frequent Flyer points as you spend. You can use the card wherever MasterCard is accepted, meaning millions of locations around the world.

Available CurrenciesAUD, AED, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
Multiple Currencies on One CardYes
Number of Cards Issued1
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
Transaction Fee for Purchases$0
Card Replacement Fee$0
BPay Reload fee$0
Minimum Age16
Available To Temporary ResidentsNo

Currencies and loading funds

Which currencies can I load on the card?

You first have to load the card with Australian dollars, which you then use to purchase and hold up to 11 different currencies. When making a payment or withdrawal, the card looks for required funds from the relevant currency balance automatically.

Supported currencies

The currencies you can purchase and hold on your card include:

  • Australian dollars (AUD)
  • United States dollars (USD)
  • British pounds (GBP)
  • Euros (EUR)
  • Thai baht (THB)
  • New Zealand dollars (NZD)
  • Singapore dollars (SGD)
  • Hong Kong dollars (HKD)
  • Canadian dollars (CAD)
  • Japanese yen (JPY)
  • United Arab Emirates dirham (AED)
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Using the card

You can use this card to withdraw cash from any ATM that displays the MasterCard logo. You can also use it to make payments through Point of Sale (POS) terminals at restaurants, shops and other businesses, provided you see the MasterCard symbol, and for online shopping.

Owing to specific sanctions, you cannot use this card in Crimea, Iran, North Korea, Sudan and Syria.

In some instances, you may not have enough funds in a particular currency for a transaction. This can be in case of an unsupported currency or because you don’t have adequate funds in the required currency. In both cases, the card draws funds from another currency in accordance to its default order of priority. The order is:

1. AUD
2. USD
3. GBP
4. EUR

5. THB
6. NZD
7. SGD
8. HKD

9. CAD
10. JPY
11. AED


This card is linked to the Qantas Frequent Flyer Program. You earn one Qantas Point for every dollar spent on eligible purchases in foreign currency, and one Qantas Point for every two dollars spent on eligible purchases within Australia. You can redeem your points through the Qantas Frequent Flyer Program for flight rewards, travel rewards and a range of other options.

How much will the card cost me?

The Qantas Cash card is free for Qantas Frequent Flyer members. If you’re not an existing member, you’ll have to become one first, for which a one-time joining fee may apply.

Fees for using Qantas Cash
Load fee$0
Reload fee$0
ATM Withdrawal FeeIf you withdraw cash from an ATM outside Australia, an international ATM withdrawal fee applies.
Depending on where you withdraw money, the fee charged is in different currencies, as listed:AUD 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
Overseas transaction fee$0
Cash out fee$0
Currency conversion fee$0
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Managing your card

The Qantas Cash online platform gives you an easy way to manage your account.

  • Ordering your card. Qantas Cash comes as a built-in facility with the Qantas Frequent Flyer membership card. However, it is not active when you receive your card. You can apply for this service only as a Qantas Frequent Flyer member who is over 16 years of age. You can join the Qantas Frequent Flyer Program by submitting an online application. Once you receive your card, apply for the Qantas Cash facility online.
  • Activating your card. While your Qantas Frequent Flyer card comes with the Qantas Cash facility, you have to activate it. You can apply for this facility online, by visiting the Qantas Cash website. Approval is subject to the acceptance of your application, which includes successful verification of your identity.
  • Managing your card online. The secure Qantas Cash online platform simplifies how you manage your account. You can turn online to change personal details, view balances and transaction history, load funds, transfer funds between currencies, transfer funds to other Qantas Cash users, change your default currency or activate and deactivate your card.
  • Security. Your card is protected by a chip and PIN and you’re covered by MasterCard Zero Liability policy if your card is used for unauthorised transactions. If your card has been lost or stolen or you’d like to report fraudulent activity, you can contact MasterCard Qantas Cash Global Support on 1300 825 302, or +61 1300 825 302 if overseas.

Perks and considerations


  • Rewards. Unlike most other travel cards, you can use the Qantas Cash card to earn rewards points as you spend.
  • No online booking fees. If you use your Qantas Cash card to book Qantas flights, the online booking fees will be waived.


  • Default PIN. You can’t personalise your Qantas Cash PIN like you can with many other travel money cards.
  • ATM withdrawal fees. You’ll be charged each time you use your Qantas Cash card for overseas ATM withdrawals, though domestic fees don’t apply.

The Qantas Cash card is one of the only prepaid travel currency cards that can earn you points as you spend, so that is a definite advantage to the card. As most of its other features are shared by other travel money cards on the market, you’re better off comparing a few before applying.

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 with no cost to open the account or keep the card. Back to top

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 payment 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 retrieve 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 27 April 2016 at 12:04.

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451 Responses to Qantas Card with Qantas Cash®

  1. Default Gravatar
    Terri | June 28, 2016

    Please give me directions to find the “lock-in” rates for the currencies that can go on the quants cash card. Thanks

    • Staff
      Anndy | June 28, 2016

      Hi Terri,

      Thanks for your question.

      I’ve sent you an email with a link to the Qantas Cash Daily Rate where you can lock-in rates and load foreign currencies in your card.


  2. Default Gravatar
    John | June 26, 2016

    If I load a specific amount in a particular currency (say Japanese Yen) will the exchange rate be the the rate of that day? Will I then be credited with that certain number of Yen which will be then available in that number when I come to use those funds irrespective of there being a significant change in the exchange rate?

    • Staff
      Sally | June 27, 2016

      Hi John,

      Thanks for your question.

      Yes, when you transfer your Australian dollars to Yen on your Qantas Cash card, your funds will be locked into the exchange rate that’s in place at the time of the transfer. Regardless of whether the exchange rate goes up or down, these funds will remain locked in that exchange rate. The same is true every time you load funds on the card and transfer them to one of the supported foreign currencies.

      I hope this has helped.



  3. Default Gravatar
    Vanessa | June 25, 2016


    Im having trouble withdrawing money from atm’s in London, are there any specific ones i should be using?
    Also when purchasing the chip isnt being read in the machines and I have to swipe, is this normal or does it mean theres something wrong with the chip?


    • Staff
      Sally | June 27, 2016

      Hi Vanessa,

      Thanks for your question and we’re sorry to hear about the trouble you’re having with the Qantas Cash card.

      You should be able to use your Qantas Cash card wherever MasterCard is accepted. Also, you usually should be able to use your chip for payments, so you might need to contact Qantas Cash directly to determine whether it’s an issue with your card or the terminals you’re using.



  4. Default Gravatar
    lisa | June 24, 2016

    What banks can I use in San Francisco and New York to withdraw cash from?

    • Staff
      May | June 24, 2016

      Hi Lisa,

      Thanks for your question.

      You can use your Qantas card to withdraw cash from any ATM in San Francisco and New York that displays the MasterCard logo.


  5. Default Gravatar
    Point | June 21, 2016

    Qantas cash card.. I have searched and searched and can not find anywhere in the terms and conditions that ATO payments do not receive points. Is this the last card to be able to receive points for payments to ATO?? I have made a small payment to check this but have just seen that points may take up to 8 weeks to show up. Can you confirm or deny this? Thanks

    • Staff
      Sally | June 23, 2016

      Hi John,

      Thanks for your question.

      According to the Qantas Cash terms and conditions, the following purchases and transactions do not earn Qantas Points: money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. Purchases that are reversed, refunded or charged-back are also ineligible.

      According to these terms and conditions, it would appear that ATO payments still earn credit card rewards.

      For further information on credit cards that still earn points on ATO payments, please see this guide.

      As some banks aren’t clear on whether eligible purchases include ATO payments, it might be best to contact your bank directly to see whether your card is eligible.

      I hope this has helped.



  6. Default Gravatar
    Kathi | June 7, 2016

    Hi there,
    I wanted to load some money on my card but I forgot to put in the referral number in the description. Will there be any problems for me to receive the money? Or as long as the acc number and bsb are right, will I still be able to access the money?

    Thanks so much!

    • Staff
      Sally | June 8, 2016

      Hi Kathi,

      Thanks for your question.

      You are supposed to enter the referral number, but there’s a possibility it may work if you had the account number and bsb information. Online transfers usually take one business day, so you should know within 24 hours whether or not the load amount was successfully transferred or has bounced back.

      If it’s been longer than a day and the funds haven’t appeared in your account or bounced back, you might need to get in contact with Qantas Cash directly to resolve the issue.

      I hope this has helped.



  7. Default Gravatar
    Carole | June 7, 2016

    Some cash passports like Travelex say they don’t charge withdrawal fees o’seas but in the footnote say that the bank may charge ATM fees. Are the ATM fees charged by the bank (if any) covered by the withdrawal fee charged by Qantas card cover, or are those in addition to the Qantas fee?


    • Staff
      Sally | June 7, 2016

      Hi Carole,

      Thanks for your question.

      The Qantas Cash card does charge for both domestic and overseas ATM withdrawals. For example, you’ll be charged $AUD1.95 when you withdraw Australian dollars in Australia or CAD$2.00 when withdrawing Canadian dollars when you’re in Canada.

      The other ATM withdrawal cost refers to a fee that might be charged by the bank that owns the ATM you’re using. If the local ATM provider does charge a fee, this will be in addition to the fee that you’ll also be paying Qantas for withdrawing funds.

      I hope this has helped.



    • Default Gravatar
      Carole | June 7, 2016

      Thanks Sally. Carole

  8. Default Gravatar
    Wally | June 3, 2016

    I am planning a visit to China. My QANTAS Cash card is loaded with $US.
    Can I use the card at ATM’s in mainland China?

    • Staff
      Sally | June 6, 2016

      Hi Wally,

      Thanks for your question.

      The Qantas Cash card can be used anywhere MasterCard is accepted (including China). As the Qantas Cash card doesn’t charge currency conversion fees, you won’t be charged a fee for withdrawing US Dollars in Chinese Yuan. However, you will be charged an ATM withdrawal fee of USD 1.95 (plus a local ATM fee, if it applies).

      For more travel money tips for your trip, please see our China Travel Money Guide.

      I hope this has helped.



  9. Default Gravatar
    Karen | May 14, 2016

    I’m having trouble withdrawing £s in London using Qantas Mastercard! It have most of my travel funds on it. I have been to several different banks ATMs and to an International ATM machines. What is the problem with the Qantas MasterCard? How do I access my funds? I have also tried to use it to buy goods in shops it is declined.

    • Staff
      May | May 17, 2016

      Hi Karen,

      Thanks for your inquiry.

      I may not be able to exactly determine why your Qantas Cash MasterCard has had issues when you used it, but it could be a couple of reasons:

      1. Have you activated your card? – Whilst your Qantas Frequent Flyer card comes with the Qantas Cash facility, you have to activate it by visiting the Qantas Cash website. The approval is, however, subject to the acceptance of your application, including successful verification of your identity.

      2. Do you have enough funds? – You may not have enough funds in a particular currency for a transaction. This can be in the case of you don’t have adequate funds in the required currency – like in this case, the pound sterling.

      Nevertheless, for further assistance, it’s still best to contact MasterCard Qantas Cash Global Support on 1300 825 302 or +61 1300 825 302 if overseas.

      I hope this has helped.


  10. Default Gravatar
    ashley | May 10, 2016

    Hi there, just wondering what the exchange rate is today if i was to put $1500 on my Qantas cash card to euros..? How does it all work, i would like to know how I purchase it, convert it, and what the exchange rates are. Please give me as much information as possible as my card is arriving in the post on Friday and I am going to France for 6 weeks in one week from today :)


    • Staff
      Sally | May 11, 2016

      Hi Ashley,

      Thanks for your question.

      If you load Australian dollars on your Qantas Cash card and transfer them to Euros today, you’ll receive €911.40. The Australian dollar has a current exchange rate of 1 AUD = 0.6076 EUR.

      You can order the Qantas Cash card online, but please note that it could take up to a week to arrive.

      Once you’ve received your card, you can use an online bank transfer. Please note that funds loaded before 2pm will be available the following business day. Otherwise, you can use BPAY to load funds on the card, though it’ll take 2-3 business days for those to appear in your account. Once you’ve loaded funds on the card, you can transfer them to different currencies when you sign into your Qantas Cash online account. The site will display the exchange rate before the complete the transfer. For further instructions on how to load funds on your card, please see the frequently asked question section of this page.

      If you haven’t already loaded funds on the Qantas Card and you’re leaving in just over a week, you might want to consider comparing a different travel money card that you can pick up on the spot in a branch.

      I’ve also emailed you a link to the Qantas Cash exchange rate page so you can check the exchange rate yourself in between now and when you leave.

      I hope this has helped.



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