Cash Passport MasterCard – Travel Money Card Review

Rates and Fees verified correct on April 30th, 2017

Use the Cash Passport MasterCard to simplify your spending when travelling overseas.

The Cash Passport MasterCard is a prepaid travel MasterCard that lets you load a number of currencies, allowing you to carry funds for multiple countries at the same time. You can load money and convert currencies in your account at any time.

Available CurrenciesAUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD
Multiple Currencies on One CardYes
Number of Cards Issued2
Minimum Load Amount$100
Maximum Load Amount$100,000
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 FeeUSD 2.50, EUR 2.50, GBP 2.00, NZD 3.50, THB 80.00, CAD 3.50, HKD 18.00, JPY 260.00, SGD 3.50, AUD 3.50
Reload Fee$0
Monthly Inactivity Fee
after 12 months inactivity
Transaction Fee for Purchases$0
Card Replacement Fee$0
Currency Conversion Fee0%
BPay Reload fee1% of the reload amount
Negative Balance Fee$0
Account Closing Fee$10
Available To Temporary ResidentsNo

Reloading funds & currencies

The Cash Passport MasterCard lets you choose from ten different currencies:

  • US dollar (USD)
  • Great British pound (GBP)
  • Euro (EUR)
  • New Zealand dollar (NZD)
  • Japanese yen (JPY)
  • Canadian dollar (CAD)
  • Thai baht (THB)
  • Singapore dollar (SGD)
  • Hong Kong dollar (HKD)
  • Australian dollar (AUD)

You must complete an initial load when you apply for the Cash Passport Mastercard. Once the load is received, the card is dispatched to you. You can load additional funds using Bank Transfer, BPAY or Debit Card.

The card uses balances in available currencies in a default order of priority. What this means is that the card first looks for funds in the relevant currency, then works through other funds in a set order. The default order for currencies/ exchange rates on this card is:

1. AU$ 2. US$ 3. EU€ 4. GB£ 5. NZ$ 6. TH฿ 7. CA$ 8. HK$ 9. JP¥ 10. SG$

Where can you use this travel card?

You can use this travel card at any ATM or merchant that displays the MasterCard logo. You can use it to shop at international websites that accept MasterCard payments as well. However, you cannot use this card in countries that have relevant sanctions in place, which include Iran, North Korea, Sudan, Syria and Crimea.

If you use this card in a country where it does not support the local currency, it relies on the default order of currency priority to process payments.

How much will the card cost me?

Unless stated otherwise, you have to pay all fees in Australian dollars.

 Fees for using Cash Passport MasterCard
Purchase fee$0
Initial load fee$0
Reload fee
International ATM withdrawal feeUSD 2.50, EUR 2.50, GBP 2.00, NZD 3.50, THB 80.00, CAD 3.50, HKD 18.00, JPY 260.00, SGD 3.50, AUD 3.50 (for international ATM withdrawals in countries not mentioned above or insufficient funds in the relevant currency to cover the whole transaction)
Inactivity fee$0 per month (starts after inactivity for a period of 12 months)
Cash out fee$10

Managing your account

You have a few different options when it comes to ordering and managing your card.

  • Ordering your card. You can apply for your Cash Passport online. You'll just need to fill in your full name, phone and email contact information and the card will be delivered to your home within 3 business days via Express Post. You can also pick up a Cash Passport MasterCard through one of their distribution outlets.
  • Activating your card. Once you have received your Cash Passport Mastercard, you'll need to activate online and register to "My Account".
  • Loading funds on your card. You can load funds on to your card using BPAY, bank transfer or debit card. Simply log in to "My Account" to reload.
  • My Account login. Once you've activated and loaded funds on your card, you can manage your money through your online account. You can login to 'My Account; using your card number and email address. Here you can view your available balances, top up your card and view your transaction history. You can also move your currencies into your available 10 currency wallets through your online account. When you've returned from your holiday, you can also cash out and close your card via your online account.

Security and emergency contact details

Your Cash Passport MasterCard is chip, PIN and signature protected. If your card has been lost or stolen, if you've forgotten your PIN or if you suspect fraudulent transactions on the card, you'll need to get in touch with the 24/7 Global Emergency Assistance helpline for assistance.

The number you'll need to call will depend on your location:

  • Australia - 1800 098 231
  • New Zealand - 0800 444 961
  • Hong Kong - 800 966 321
  • Japan - 00531 780 221
  • South Korea - 00798 4434 1279
  • Thailand - 001800 442 212
  • UK - 0800 056 0572
  • USA/ Canada - 1 877 465 0085
  • Other countries - +44 207 649 9404

Things to consider before getting the Cash Passport MasterCard


  • Multiple currencies. You can load multiple currencies onto a single card, which you can use in countries the world over.
  • Additional card. You can receive an additional Cash Passport MasterCard for $5. This card is linked to your account and can come in handy if you end up losing your original card and require a replacement.
  • Locked rates. When you load or reload funds onto this card, you lock-in exchange rates.


  • ATM fees. ATM withdrawal fees will be charged each time you make domestic and international cash withdrawals.
  • Exchange rates. Like most travel cards, the exchange rate for this card aren't always as competitive as the official bank rate. You can confirm the exchange rate for the day on the Cash Passport MasterCard website before you load the funds on your card.

Steps on getting your card

  1. Ordering. You can complete an online application in a matter of minutes, provided you have all the required information close at hand, such as your passport and driver's license.
  2. Reloading. You can reload your Cash Passport at any time, simply login to "My Account" and pay via bank transfer, BPAY or debit card.
  3. Activating. If you purchase your card online, you can activate your Cash Passport Mastercard online by logging into "My Account". Cards purchased in-store are activated immediately.

Using the Cash Passport MasterCard when travelling overseas can work in your favour. However, since there are other similar offerings out there, make sure you compare a few before applying.

Back to top
Was this content helpful to you? No  Yes

This page was last modified on 23 November 2016 at 5:05pm.

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

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.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

403 Responses to Cash Passport MasterCard – Travel Money Card Review

  1. Default Gravatar
    Carolyn | February 17, 2017

    Can you please advise me how to renew my card as it has an expiry date of July 2017.

    • Staff
      May | February 17, 2017

      Hi Carolyn,

      Thank you for your question and for contacting – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      Once your Cash Passport MasterCard has expired, you can no longer use it. If you want to have another card, you will need to order a new card by completing an online application. Please also refer to the steps outlined above for further details.

      Meanwhile, please keep in mind that you will need to cash the funds out from card before it expires minus any applicable fees.


  2. Default Gravatar
    Heath | January 12, 2017

    Can you change the PIN on these cards at a ATM that lets you change pins?


    • Staff
      Anndy | January 12, 2017

      Hi Heath,

      Thanks for your question.

      Unfortunately, you can’t change the PIN that was assigned to your card. If case you’ve forgotten your PIN, you can get in touch with the Cash Passport team using any of the numbers we have listed above and they’ll send you a PIN reminder.


  3. Default Gravatar
    Theo | December 20, 2016

    How long does a bpay transfer take i loaded money on to it 5 days ago (3 business days and a weekend) and amount is yet to be on the card

    • Staff
      May | December 20, 2016

      Hi Theo,

      Thanks for your question.

      Loading your Cash Passport MasterCard via BPAY will generally take two business days to be processed however may take longer if the payment is
      not made before 2:00pm on a business day AEST.


  4. Default Gravatar
    Lorraine | November 12, 2016

    Can the second card be used by my partner at the same time as card #1 is used by me?

    • Staff
      Sally | November 14, 2016

      Hi Lorraine,

      Thanks for your question.

      The Multi-currency Cash Passport primary and supplementary cards should both only be used by the primary cardholder. While you could technically use either card if you gave your partner the PIN to use the card, they are intended to only be used by the primary cardholder.



  5. Default Gravatar
    Chris | October 28, 2016

    When getting cash out do I press credit or savings. ?

    • Staff
      Harold | October 28, 2016

      Hello Chris,

      When withdrawing cash with the Multi-currency Cash Passport, you’ll need to select ‘credit’. Even though you have to select ‘credit’, your funds will still be withdrawn from your funds that you’ve loaded on the card.

      I hope that helps.


  6. Default Gravatar
    Ken | October 26, 2016

    Is it better to load my card in default AU$ and then convert to THB or to make my default THB. Thanks

    • Staff
      Sally | October 27, 2016

      Hi Ken,

      Thanks for your question.

      As a financial comparison service, we’re unable to make any specific recommendations, as the best option will depend on your individual circumstances. I would suggest looking at the different exchange rates on the Multi-currency Cash Passport to compare your options and determine whether loading Thai Baht directly on your card is the more competitive option or whether it’s best to load Australian dollars first and then transfer it to THB.



  7. Default Gravatar
    Alyce | October 13, 2016


    I am travelling to Iceland and Icelandic money is not supported on travel cards. Would this be a good card to use as it doesn’t charge a conversion rate?

    • Staff
      Sally | October 13, 2016

      Hi Alyce,

      Thanks for your question.

      As a financial comparison service, we’re unable to recommend any specific products or strategies to our users as the best travel money option will depend on their travel plans, spending habits and financial situation.

      If you’re looking to avoid currency conversion fees, the Multi-currency Cash Passport could come in handy. Please note that the Commonwealth Bank Travel Money card, the Qantas Cash card and the STA Travel CashFLEX card also don’t charge currency conversion fees. You might want to look at other factors such as the purchase fees, load and reload fees and ATM withdrawal costs when comparing your options.

      I hope this has helped.



  8. Default Gravatar
    Alan | September 22, 2016

    This card is very misleading it says here it does not charge overseas atm fees , yet when you use the card the overseas bank charges a fee ,fair enough but then there is a fee of $2.50 us everytime you use it ,they are very ambiguous in their detailing the fees of the card i would say even misleading

    • Staff
      Jonathan | September 27, 2016

      Hi Alan, thanks for your inquiry!

      This card does not charge any fees for international ATM withdrawals. Overseas ATM’s and banks may still charge a fee for using their services.



  9. Default Gravatar
    Carrick | September 16, 2016

    Hi there,

    I have a HSBC bank account in Euros based in Australia. I want to get the Cash Passport and do a bank transfer of Euros to the card to the default currency of Euros. Is this possible?


    • Staff
      Sally | September 21, 2016

      Hi Carrick,

      Thanks for your question.

      Yes, if you select Euros as your default currency and nominate that you’d like to reload Euros (rather than say AUD), you can do this.

      Please note that an exchange rate may apply when you’re moving the funds across.



  10. Default Gravatar
    Warren | September 15, 2016

    I tried to load $US onto my cash passport which was set to $US default. I rang the. To check I could transfer this way without them converting the money and they confirmed.

    10 days later I had to cancel the transaction because “didn’t know what to do with the transaction” and return my money LESS US$688 because they converted the funds into AUS$ then back into US$. Now they refuse to refund my loss.

    When again speaking to their call centre they assured me that they would return the funds but they still haven’t.

    What gives?

    • Staff
      Sally | September 19, 2016

      Hi Warren,

      Thanks for your question and just to confirm, you have come through to, not Multi-currency Cash Passport.

      Hmm, that’s odd. You should usually only be able to load Australian dollars on your card, which you can then transfer to any of the supported currencies. The customer service you were dealing with might’ve been misinformed.

      Unfortunately, as a comparison service, we can’t provide much more assistance regarding your refund. Instead, I would suggest that you cite the information in the PDS and mention that you were misinformed by one of their customer service representatives to dispute the case.

      I hope this has helped.



Ask a question