Cash Passport Platinum Mastercard – Travel Money Card Review

Cash Passport Platinum Mastercard
Cash Passport Platinum Mastercard
  • 11 available currencies
  • Wide global acceptance
  • No load fees

Spend in 11 currencies and take advantage of locked-in exchange rates with the Cash Passport Platinum travel card.

The Cash Passport Platinum is a prepaid travel Mastercard that lets you load up to 11 different currencies, allowing you to spend in multiple regions with ease. Enjoy the security of locked-in exchange rates and the safety of not having to carry cash around as well as the convenience and wide acceptance of a Mastercard. As a platinum product, this card also offers 3 months of free global wi-fi each time you top up and complimentary access to airport lounges worldwide if your flight is delayed.

Available CurrenciesAUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, AED
Multiple Currencies on One Card?Yes
Number of Cards Issued1
Minimum Load Amount$100
Maximum Load Amount$100,000
Maximum Load Amount (Annual)$100,000
24 Hour ATM Cash Withdrawal Limit$3,000
24 Hour Purchase (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, AED 10.00
Inactivity Fee (Monthly)$0
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 Residents?No

What currencies can I load on the Cash Passport?

The Cash Passport supports the following major currencies:

  • Euros
  • US dollars
  • Great British pounds
  • New Zealand dollars
  • Thai baht
  • Canadian dollars
  • Japanese yen
  • Hong Kong dollars
  • Singapore dollars
  • United Arab Emirates dirham
  • Australian dollars

Special offer: $30 cash back plus reduced ATM withdrawal fees

If you load AUD $1500 into a foreign currency and register your prepaid Cash Passport Platinum Mastercard online by 31 August 2019, you'll receive $30 cash back plus 3 free ATM withdrawals when using the card overseas. Full T&C's apply and are available on the Cash Passport website.

Exchange rates

Mastercard Prepaid sets the foreign exchange rates when you load or reload funds, and the rates can vary daily. When converting funds from one currency wallet to another on your card, Mastercard Prepaid will also determine the applicable foreign exchange rates at the time of the transaction.

When spending in a currency that isn't supported by or loaded on the card, Mastercard Prepaid will apply its designated "spend rate" for conversion and funds will be debited from your card from the next available currency balance following the default currency order:

So, let's say you're travelling in Vietnam and have Australian dollars and euros loaded on your card. This means that if you swipe your Cash Passport in Vietnam to pay for dinner in Vietnamese dong, your card will be debited in Australian dollars at Mastercard Prepaid's spend rate. If your Australian dollar wallet does not have sufficient funds to cover the full transaction, your next currency wallet with a positive balance will be deducted. As you didn't have US dollars loaded on the card, the funds will be deducted from your euros wallet. Again, Mastercard Prepaid will determine the spend rate for converting dong into euros

Where can I use my Cash Passport?

This travel card offers the worldwide acceptance of a Mastercard, which means that you can use it online, in stores and at international ATMs wherever you find the Mastercard symbol. However, some restrictions apply, such as the card not working in certain countries due to Mastercard-imposed restrictions. You also cannot use the Cash Passport for manual transactions or unlawful activities.

Features of the Cash Passport

These are the prime features and benefits of the card:

  • Locked-in exchange rates. Enjoy protection from exchange rate fluctuations when you lock in your chosen currencies in advance.
  • Additional cardholders. At the time of obtaining your card, you may purchase an additional card for $5.
  • Free global Wi-Fi. Access over a million of Boingo hotspots and stay connected around the world. Get 3 months of membership every time you load your Cash Passport account with AU$100 or equivalent foreign currency.
  • Worldwide ATM alliance. The Mastercard network ensures that you are able to make ATM withdrawals anywhere in the world where Mastercard is electronically accepted.
  • Online account. Easily manage your Cash Passport online while staying on top of your expenditure with your online account. You can check balances, view transaction history, transfer between currencies and reload funds online even when you're on the move.
  • Cash Passport offers. Enjoy exclusive shopping offers, including online store discounts and free shipping.
  • Mastercard Zero Liability. Spend with peace of mind knowing that your account is protected against unauthorised and fraudulent transactions.
  • How much does the Cash Passport cost?

    This table explains the associated costs of this card and when you'll be charged each fee.

    Type of feeCostWhen you'll be charged
    Purchase fee$0N/A
    Initial load fee$0N/A
    Reload fee
    • $0 for bank transfers and online reloads (except when using debit cards)
    • $1 when using BPAY without booking your rate
    • $5 for each load transaction using a debit card
    You pay this fee each time you reload funds on your card after the initial load.
    Administrative feeUp to the greater of 1.1% of the load/reload amount or $15You pay this fee when you purchase and load or reload your card in-store with the assistance of a customer service representative.
    Currency conversion fee$0When you convert funds from one currency to another or when you transact in a currency that isn't supported or loaded on the card, you won't be charged a fee. Please note that the Mastercard prepaid exchange rates will apply, though.
    International ATM withdrawal fee
    • USD $2.50
    • EUR $2.50
    • GBP $2
    • NZD $3.50
    • THB 80
    • CAD $3.50
    • HKD $18
    • JPY $260
    • SGD $3.50
    • AUD $3.50
    You pay this fee for making a cash withdrawal from an overseas ATM using your Cash Passport. For international ATM withdrawals in countries other than those with supported currencies on the card, you'll be charged the Australian dollar withdrawal fee.
    Domestic ATM withdrawal fee2.95% of withdrawal amountYou pay this fee when withdrawing cash from an ATM within Australia.
    Additional card fee$5You pay this fee when you opt for an extra card at the time of purchase.
    Replacement card fee$0N/A
    Inactivity fee$0N/A
    Cash out fee $10You pay this fee for cashing out funds on your card apart from ATM withdrawals.

    How to use the Cash Passport

    Start using your Cash Passport by following these easy steps.

    • Activate the card. Get your Cash Passport at a participating distribution outlet, or apply online if you can wait more than three business days for it to be delivered. You can activate your card online once you receive it.
    • Load funds on the card. Either top up funds at a participating distribution outlet or do it online via a debit card, BPAY or bank transfer. Debit card payments are instantaneous, while BPAY and bank transfer payments can take up to three business days to be settled (which further delays card delivery by post). The exchange rate at the time of settlement will be applied in these cases, and may differ from the rate at the time of your transaction. The minimum loading and reloading amount is AUD$100 per transaction, but maximum limits differ with transaction types.
    • Manage your online account. Once you've registered your card online, you will be able to log in anytime to manage your account. This includes checking transactions and balances, transferring currencies between currency wallets and reloading funds whenever you need.

    What do I do if I return home with foreign currency remaining on the card?

    You may keep these currencies on your card for your next trip or cash out the available funds immediately for a fee of $10. The funds will then be transferred directly to your nominated bank account.

    Who do I contact if my card is lost, stolen or damaged?

    To report a lost or stolen card, or a breach of your PIN security, you should immediately call the 24-hour Global Emergency Assistance helpline at 1800 098 231 or +44 207 649 9404 when overseas. You can then arrange to get a replacement card and emergency cash, so it's important to contact the helpline as soon as possible.

    How to apply for a Cash Passport

    You can apply for the Cash Passport in a few minutes online. You will need to provide personal details including your name, date of birth, phone number and home address. You will also need to provide your Australian passport or Australian driver's licence number for identification verification purposes. You can apply for an additional card at this time for $5. Your new card(s) will be sent to your home via Express Post in three days if you pay by debit card, or longer if you pay by BPAY or bank transfer since those funds will require time to clear.

    You can also apply for a Cash Passport in-store at Australia Post, Suncorp and Heritage Bank to name a few locations.

    Are there any eligibility requirements?

    You must have an Australian passport or Australian driver's licence to apply.

    With so many waived fees, the Cash Passport Mastercard is a strong contender among travel cards. However, it's wise to compare your options before applying to ensure you're applying for the right card for you.

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    447 Responses

    1. Default Gravatar
      WilliamJune 11, 2019

      How do I find out what I have left on my multi-currency cash passport?

      • Avatarfinder Customer Care
        JhezJune 11, 2019Staff

        Hello William,

        Thank you for your comment.

        Just simply log in to your Cash Passport account, then please go to ‘My Account’, then please register your card and you’ll be able to see your Multi-currency Cash Passport balance, the allocation of funds across the Currencies, and you can view any recent transactions.


    2. Default Gravatar
      PeterMay 21, 2019

      We are travelling to the UK and Euro zone countries via Singapore. I intend to take a card with $3000 and to use in the above three currencies. How do I accomplish this?

      • Avatarfinder Customer Care
        JeniMay 22, 2019Staff

        Hi Peter,

        Thank you for getting in touch with Finder.

        If you consider getting this Cash Passport Platinum Mastercard for your UK and Europe trip, you may order online by clicking on green Go to site button on this page and you will be redirected to their official page where you may learn more about this card or even order online. Please note that this is only delivered to your Australian address. You may transfer from one currency to another and Mastercard determines the applicable foreign exchange rates at the time of the transaction. You may also purchase your chosen currencies while applying online with this card so you may have GBP and Euro saved then.

        I hope this helps.

        Thank you and have a wonderful day!


    3. Default Gravatar
      JenniferJanuary 8, 2019

      My husband and I are traveling to Cambodia Vietnam and Singapore, do we need to have two cash passports or can we just purchase a second card and have it on one account

      • Avatarfinder Customer Care
        JeniJanuary 9, 2019Staff

        Hi Jennifer,

        Thank you for getting in touch with finder.

        You have to buy 2 Cash Passport Platinum Mastercard cards for your and your husband as this prepaid travel money card does not allow additional cardholder.

        I hope this helps.

        Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!


    4. Default Gravatar
      JudySeptember 20, 2018


      I am traveling to New Zealand. I currently use Apple Pay on my Apple Watch for the majority of my transactions. Is the cash passport card compatible with Apple Pay and Apple watches?

      Thank you

      • Avatarfinder Customer Care
        JeniSeptember 20, 2018Staff

        Hi Judy,

        Thank you for getting in touch with finder.

        Yes, you may enjoy the benefits of your Cash Passport using Apple Pay on iPhone, Apple Watch and even iPad.

        Please note that Apple Pay is only available to customers who purchased their Cash Passport from their website. In addition, Apple Pay is not currently available to customers who purchased their Cash Passport from Tesco Bank or Eurochange branches.

        I hope this helps.

        Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!


    5. Default Gravatar
      TomJuly 29, 2018


      We are about to go to NZ in 5 days and was about to put money into our cards when I realised the cards had expired last year. What is the quickest way to renew the cards?


      • Avatarfinder Customer Care
        JeniJuly 29, 2018Staff

        Hi Tom,

        Thank you for getting in touch with finder.

        Once a card has expired, you need to contact card services on 1800 098 231 to arrange replacement cards, also please let them know that you are leaving soon so they could assist you further on how you can get your card faster than the usual time frame. Please note that it can take up to 15 days for your new cash passport card to arrive.

        I hope this helps.

        Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!


    6. Default Gravatar
      JoyMarch 24, 2018

      When using Cash Passport overseas in an atm, you are asked if this is credit or debit. AS it is neither, which do you press?

      • Default Gravatar
        LiezlMarch 24, 2018

        Hi Joy,

        Thanks for your question. You must select the “credit” option when using your Card at POS terminals and ATMs. Please note that some overseas ATM operators may charge their own transaction fee as well.


    7. Default Gravatar
      OwenJanuary 28, 2018

      Is master card recognised & be used in both China & Russia?

      • Avatarfinder Customer Care
        RobynJanuary 31, 2018Staff

        Hello Owen,

        Thank you for your inquiry. Yes, the Cash Passport travel card offers the worldwide acceptance of a MasterCard, which means that you can use it online, in stores and at international ATM’s wherever you find the MasterCard symbol. However, some restrictions apply, such as the card not working in certain countries due to MasterCard-imposed restrictions. You also cannot use the Cash Passport for manual transactions or unlawful activities.

        Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

        Best Regards,

    8. Default Gravatar
      GodfreyDecember 11, 2017

      Hi I would like to know whether you can also use the multi currency cash passport card as a local debit card in Australia. If so what are the fees charged per transaction. Thanks

      • Avatarfinder Customer Care
        MayDecember 12, 2017Staff

        Hi Godfrey,

        Thank you for your inquiry.

        Yes, the Multi-currency Cash Passport can be used in Australia and you won’t be charged a fee for your transaction. Generally, you can use the card anywhere in the world where MasterCard is electronically accepted. Although please note that if you use this card to withdraw cash from an ATM in Australia, the fee would be 2.95% of value withdrawn.


    9. Default Gravatar
      GayleDecember 5, 2017

      Have tried to reset password numerous time. Have now been told I will have to wait for 4-6 weeks to access my money back. This is terrible service and IT IS MY MONEY! What steps can I take to ensure no-one gets taken advantage of like this!

      • Avatarfinder Customer Care
        MayDecember 13, 2017Staff

        Hi Gayle,

        Thank you for your inquiry.

        I understand your worry, but for sure no one will get your money from your Cash Passport account if you’ve not disclosed your security password to anyone. I would suggest that you contact the Global Emergency Assistance helpline immediately about this so they can do the necessary measure to protect your account. You can contact them on the number listed above under “Who do I contact if my card is lost, stolen or damaged?” section.

        Hope this helps.


    10. Default Gravatar
      KerryOctober 21, 2017

      Help please. I am going to the US next week. I will have a Cash Passport with about $1500US on it. I would like to access that money the least expensive way, to avoid fees. How do I do this? should I just withdraw $US the total amount in Sydney before we go? or withdraw the total amount in the US? thankyou.

      • Default Gravatar
        DanielleOctober 22, 2017

        Hi Kerry,

        Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

        What you can do is compare International ATM withdrawal fee which is USD 2.50, to the Domestic ATM withdrawal fee which is 2.95% of withdrawal amount and see which amount would be the least expensive for you.

        I hope this helps.


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