Qantas Cash Card Full Review

Earn Qantas Points per $1 you spend in up to 10 major international currencies.

Qantas Cash is a reloadable Mastercard Prepaid that lets you load and lock in rates for up to 10 major international currencies on your card. In addition, Qantas Cash is the only prepaid travel money card that lets you earn Qantas Frequent Flyer points as you spend. You can use this card online and at millions of merchants and ATMs around the world wherever Mastercard is accepted.

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 Fee1%
Monthly Inactivity Fee
after 12 months inactivity
Transaction Fee for Purchases$0
Card Replacement Fee$0
Currency Conversion Fee0%
BPay Reload fee$0
Account Closing Fee$0
Minimum Age16
Available To Temporary ResidentsNo

What currencies can I load on the Qantas Cash card?

The Qantas Cash Card supports the following currencies:

  • Australian dollars (AUD)
  • United States dollars (USD)
  • Great Britain pounds (GBP)
  • Euros (EU)
  • Thai baht (THB)
  • New Zealand dollars (NZD)
  • Singapore dollars (SGD)
  • Hong Kong dollars (HKD)
  • Canadian dollars (CAD)
  • Japanese yen (JPY)
  • Emirates dirham (AED)

Using Australian dollars, you may purchase and load any of these 10 currencies into currency wallets on your Qantas Cash Card.

Exchange rates

Qantas and Mastercard Prepaid determine the foreign exchange rates used when loading your card, and these rates vary daily. You can obtain current exchange rates online at the Qantas Cash website or by calling Mastercard Qantas Cash Global Support at 1300 825 302, or +61 1300 825 302 from overseas. Funds loaded via bank transfer or BPAY are loaded in Australian dollars, which is the default currency. You can change your default currency by logging into your account online at Qantas Cash.

Currency wallet order

When using your card to complete a transaction, the relevant currency wallet will be automatically debited for the transaction amount. If there are insufficient funds in that currency wallet to complete the transaction, Qantas Cash will debit your other available balances according to the default currency order until the full transaction amount is satisfied.

To illustrate, suppose you use your Qantas Cash Card to pay for drinks during a layover in Singapore. The bill is for SGD$120, but you don’t have any Singapore dollars preloaded on your Qantas Cash Card. Following the default currency order, your Australian currency wallet will be debited for the transaction. If you only have AUD$20, your US currency wallet will be debited next. If you don’t have sufficient US dollars to complete the transaction, the card will continue to debit each currency wallet in the default currency order until the full transaction amount is satisfied.

When using a currency that is insufficiently loaded or unsupported on your card, the Qantas Cash Daily Rate will be applied to convert available currencies into the transaction currency. You can find this rate on the Qantas Cash website.

Where can I use my Qantas Cash Card

The Qantas Cash Card is a Mastercard and you can use it wherever Mastercard Prepaid is accepted. This includes both online and in-store at international merchants and at ATMs where the Mastercard, Maestro or Cirrus sign is displayed. However, you cannot use the card for manual or offline transactions, unlawful activity, gambling or adult entertainment. Certain businesses may not accept a Mastercard Prepaid card or allow it for the purpose of pre-authorising transactions (such as paying hotel deposits).

Features of the Qantas Cash card

These are the major features and benefits of the Qantas Cash Card:

  • Locked-in exchange rates. Locking in exchange rates before travelling offers protection from exchange rate fluctuations and also helps you stay in control of your travel budget.
  • Rewards program. You can earn 1.5 Qantas Points per $1 spent in foreign currency on eligible purchases overseas or online and 1 Qantas Point per AUD$4 spent on eligible purchases.
  • Earn double points. You can earn double points with Qantas partners when you use Qantas Cash to pay for your purchase. You can earn points once with the merchant and once with Qantas Cash.
  • Worldwide ATM alliance. You can access cash anywhere in the world at any ATM that accepts Mastercard Prepaid.
  • Smartphone app. You can top up funds and view your balances and transactions at any time using the Qantas Cash app on your smart device.
  • No domestic ATM withdrawal fees. You can withdraw cash for free at any ATM within Australia. Note that some ATM operators may directly impose a separate fee.

How much does the Qantas Cash card cost?

This table presents the costs associated with your Qantas Cash card and when you’ll be charged each fee.

Type of feeCostWhen you'll be charged
Purchase fee$0You won’t pay a fee when you’re issued the card.
Reload fee
  • $0 when reloading via bank transfer or BPAY
  • 1% of load amount when reloading via direct debit
These fees apply each time you reload funds on your card after the initial load amount.
Currency conversion fee$0When transacting in a currency that is unsupported or insufficiently loaded on your card, no currency conversion fee will be charged, but the Qantas Cash Daily Rate will apply.
International withdrawal fee
  • AUD 1.95
  • USD 1.95
  • GBP 1.25
  • EUR 1.50
  • THB 70
  • NZD 2.50
  • SGD 2.50
  • HKD 15.00
  • CAD 2.00
  • JPY 160
  • AED 6.50
When withdrawing a supported currency from an international ATM, the relevant fee will apply in that currency. When withdrawing an unsupported currency, the AUD$1.95 fee will apply. ATM operators may charge an additional fee.
Inactivity fee$0You won’t be charged an inactivity fee if you don’t use the card after your trip.
Closure / Cash out fee$0You won’t be charged a fee when you close the card and withdraw remaining funds.
Card-to-card transfer fee$0You won’t collect a fee when you transfer funds to other Qantas Cash cards.

How to use the Qantas Cash card

Follow these steps to start using your Qantas Cash Card.

  • Activating the card

Once your online application is successful, you will be issued your “My Account” login details and prompted to create a password to access your account. You will also have to retrieve your card PIN via the Qantas Cash website or by calling Mastercard Qantas Cash Global Support at 1300 825 302, or +61 1300 825 302 from overseas. This PIN is different from your Qantas Frequent Flyer PIN, and you will need it to make purchases and cash withdrawals. You should memorise your PIN and keep it secure. Your card will be activated once you’ve successfully setup your account, although this may be delayed if online identification verification fails and you need to confirm your identity in person.

  • Loading funds on the card

Visit the Qantas Cash website and follow the prompts to load your card. You will then be given payment instructions, depending on whether you choose to pay via BPAY, bank transfer or debit card.

If you load funds using a debit card, you will be able to instantly access the funds. If you load funds via BPAY, it will take up to two business days to process the transaction. It will take one day if you load funds via bank transfer. Note that payments processed after 2pm AEST may take longer.

  • Managing your online account

Check your transaction history and balances at any time by logging into your account or by calling Mastercard Qantas Cash Global Support at 1300 825 302 or +61 1300 825 302 from overseas. You can also move funds across different currencies, transfer funds to other Qantas Cash Card accounts and change your currency settings and account details here.

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

You may choose to keep the funds on your card for a future trip or withdraw it at a domestic ATM. Qantas does not charge a fee for ATM withdrawals within Australia, but some ATM operators may charge their own fee. Foreign currencies will be converted into Australian dollars at the Qantas Cash Daily Rate.

Alternatively, you may decide to close the account. You can contact Mastercard Qantas Cash Global Support at 1300 825 302 to request that they deposit any remaining funds into your nominated bank account.

You may also transfer funds to another Qantas Cash Card holder by logging into your online account.

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

In the event of card loss, theft or damage, immediately contact Mastercard Qantas Cash Global Support at 1300 825 302 or +61 1300 825 302 from overseas. Your card will then be suspended and a new card will be sent to you. You may need to provide a written report.

How to apply for a Qantas Cash card

You can apply for your Qantas Cash card online at the Qantas Cash website. You will need to provide sufficient information, such as your passport and driver’s licence, to prove your identity. If the online verification is unsuccessful, you may have to complete the identification verification process at an Australia Post outlet.

Are there any eligibility requirements?

You must be more than 16 years old, a Qantas Frequent Flyer member and have a residential address in Australia.

The Qantas Cash Card is a competitive travel money option. It doesn’t charge a lot of fees, and lets you earn Qantas Points on your overseas expenditure. While this is a great incentive for Qantas frequent flyers, make sure you compare all available options before deciding which card will best serve your personal travel and spending needs.

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612 Responses

  1. Default Gravatar
    mandiJuly 28, 2018

    can you use your cash card as a payment method for Uber in the United states

    • finder Customer Care
      JoelJuly 28, 2018Staff

      Hi Mandi,

      Thanks for leaving a question on finder.

      Uber is designed to be an entirely cashless experience in most cities.

      You can use most debit cards that can be used for online transactions to pay for your Uber rides. Please note that some prepaid cards are not compatible with their billing processes. If you are not able to add your prepaid card, you may need to add a different payment method to your account to ride with Uber. When a trip ends, the payment method selected for your trip is immediately charged. A receipt is emailed to you, and your account’s trip history is updated with details about the route and fare.


  2. Default Gravatar
    MelanieDApril 30, 2018

    A friend overseas is wanting to send me funds that they owe me. Can they send the funds to my Qantas Card directly or do I need to give them the transaction information to do it?

    • finder Customer Care
      JoanneApril 30, 2018Staff

      Hi Melanie,

      Thanks for reaching out.

      These are some of the points on Qantas support that may be applicable to your situation:

      1. You must use a debit card which belongs to you to load Qantas Cash as they do not accept third party debit cards as payment.
      2. To load by Bank Transfer you’ll need to use the Qantas Cash BSB and your unique account number. The BSB is the same for all members however your account number is unique, and applies to your facility only
      3. It is not possible to directly transfer foreign currency from a foreign currency denominated bank account to your Qantas Cash facility.
      4. You can only load your card from an Australian Dollar bank account. You can’t deposit cash in any currency directly onto your card.

      Hope this helps,

    • Default Gravatar
      MelanieDApril 30, 2018

      Thank you so much for your answer. I thought that may be the case but just wanted to clarify. Best wishes Melanie

  3. Default Gravatar
    lynneApril 11, 2018

    Im traveling to Paris , Greece and London, Im looking at taking a cash card and a credit card. I have looked at many options still confused, Im new frequent flyer member , would qantas card be a good choice . I would like a credit card with 0 fees and free international exchange and atm , which some seem to have .

    • finder Customer Care
      ArnoldApril 11, 2018Staff

      Hi Lynne,

      Thanks for your inquiry

      Please note that we cannot recommend a specific card from a specific provider. However, you can check your options for credit cards with 0 foreign fees and other benefits such as 0 annual fee by clicking on this link. Once you have chosen a card, please click the green ‘Go to site’ button to proceed to the application page.

      Hope this information helps


  4. Default Gravatar
    paulMarch 29, 2018

    How long will it take to receive the card after the application is complete?

    • finder Customer Care
      JhezelynMarch 29, 2018Staff

      Hi Paul,

      Thank you for your comment.

      It would take 10-15 business days for the card to arrive.


  5. Default Gravatar
    MaryannMarch 26, 2018

    Can I use my qantas cash card in Colombia and in Ecuador – should I load up in Australian Dollars only and use local ATM in this countries to withdraw local currencies?

    • finder Customer Care
      MayMarch 27, 2018Staff

      Hi Maryann,

      Thanks for your inquiry.

      Yes, you can use the Qantas Cash Card in Colombia and Ecuador, just load your card with AUD and you’ll be able to withdraw local currencies from the ATM there. Please note though that the currency conversion rate will be determined upon withdrawal.


  6. Default Gravatar
    HelenMarch 26, 2018

    How easy is it to find ATM’s in Spain to use the Qantas cash card

    • finder Customer Care
      JeniMarch 26, 2018Staff

      Hi Helen,

      Thank you for getting in touch with finder.
      You can use this Qantas Cash card at millions of merchants and ATMs around the world wherever Mastercard is accepted. So it would be easy for you to use this card in Spain, as long as you see that the ATM accepts Mastercard.

      I hope this helps.

      Have a great day!


  7. Default Gravatar
    March 14, 2018

    Can I use my qantas cash card in Australia and earn Qantas points as I do overseas and are there any fees

    • finder Customer Care
      RenchMarch 20, 2018Staff


      Thanks for your inquiry.

      Yes, you can earn 1.5 Qantas Points per $1 spent in foreign currency on eligible purchases overseas or online and 1 Qantas Point per AUD$4 spent on eligible purchases.

      You may check the fees on this page by clicking on the Fees tab on the upper part. Qantas Cash Card has a reload fee 1% and ATM Withdrawal Fees.

      Best regards,

  8. Default Gravatar
    denisFebruary 19, 2018

    I am a simple person, so I need simple answers.
    I will be in South Africa later this year, but the currency (ZAR) is not supported.
    Am I able to use the card for payment in the store?
    As I understand the process, I will hand my card to the seller, who will process it through his electronic system. If he inputs the amount in ZAR, the card will automatically convert the amount from AUD to ZAR, and the card will record the amount in AUD (providing there are sufficient funds available). Is this the actual process?
    If I use an ATM, and ask for ZAR, will the transaction be recorded in AUD? Will the card balance be recorded in AUD?

    • Default Gravatar
      LiezlMarch 10, 2018

      Hi Denis,

      Thanks for your questions.

      Yes, you are right on both points. Qantas Cash Card does not support South African Rand (ZAR) and when you make purchases or cash withdrawal in South Africa the amount will be converted to AUD using Qantas Cash Daily Rate. It’s important to note that the actual applied rate may vary if the merchants do not settle the transaction on the same day as purchase.

      Now for ATM cash withdrawal, the fund balance may be displayed in AUD or in a different currency. It’s possible as well that the fund balance won’t displayed. An accurate fund balance can be obtained though from your online account or through Mastercard Qantas Cash Global Support.

      I hope this information helps.


    • Default Gravatar
      March 10, 2018

      When I withdraw cash (ATM) there seems to be a large fee charged by someone eg about 14%. Is this normal, and who is charging the fee?

    • Default Gravatar
      LiezlMarch 10, 2018

      Hi Denis,

      Local ATM operators may charge their withdrawal fee on top of Qantas’ international ATM withdrawal fee. You may refer to the Costs and fees applicable to Qantas Cash section of Qantas Product Disclosure Statement which I have emailed you. Better still, contact Qantas support who can check this for you.

      Feel free to message us again if you have further questions.


  9. Default Gravatar
    MattNovember 17, 2017

    How do you use the Qantas Cash card to make online purchases?

    The card doesn’t display the usual card numbers on the front of it.

    • Default Gravatar
      JonathanNovember 17, 2017

      Hi Matt,

      Thank you for your inquiry.

      Unfortunately, you cannot use this card in buying stuff through online merchants directly. However, you can use it to load another card with international currency to skip the usual conversion and foreign transaction fees.

      Kindly refer to the Qantas Cash Card Product Disclosure Statement for more information about its features and benefits.

      Hope this helps.


  10. Default Gravatar
    TysonNovember 2, 2017

    If we load the Qantas travel card in AUD currency will it work in Argentina, Bolivia, Columbia, mexico and Brazil? Or do i need to load separately for each one?

    • Default Gravatar
      JonathanNovember 2, 2017

      Hi Tyson,

      Thank you for your inquiry. We understand that you wanted to load only AUD and use them.

      Yes you can only load AUD, subject to applicable fees as long as Mastercard Acceptance Mark is displayed. The only set of currencies you can pre-load on the card are the ones displayed above. Take note that you cannot this card for purchases related to gambling or adult entertainment.

      Please refer to Product Disclosure Statement that can be found in Qantas website and/or speak to one of their consultants for more information.

      Hope this helps.


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