Qantas Card with Qantas Cash®

Rates and Fees verified correct on February 27th, 2017

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)

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.

Fee type Cost
Load fee (BPAY and bank transfer)$0
Load fee (debit card)1% of the total amount
Reload fee (bank transfer or BPAY)$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

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.
  • Change your card PIN. You can update your card PIN at rediATM's in Australia.
  • 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.


  • 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.

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.

To change your pin visit any rediATM in Australia.

Qantas Cash Service Centre:

          • 13 11 31
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This page was last modified on 2 November 2016 at 9:17.

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535 Responses to Qantas Card with Qantas Cash®

  1. Default Gravatar
    vicki | February 20, 2017

    my friend have returned from Europe and Serbia and Croatia and said most places would not accept mastercard now I am nervous about my Qantas mastercard cash card

    • Staff
      Anndy | February 20, 2017

      Hi Vicki,

      Thanks for reaching out.

      The Qantas card should work fine anywhere Mastercard is accepted. I’ve read in many forums that Mastercard is widely accepted in most major cities in Europe.

      If you are traveling to Europe, you may also check our travel money guide here.


  2. Default Gravatar
    Kasey | January 31, 2017

    Can the Qantas Cash Card be used in South Africa? If you cannot load South African currency which would be the best alternative currency to load?

    • Staff
      Anndy | February 1, 2017

      Hi Kasey,

      Thanks for your question.

      Yes, you can use the Qantas Card with Qantas in South Africa. Since The currency in that country is not supported, the card draws funds from another currency in accordance to its default order of priority, the first of which is AUD.

      You may also compare other travel cards for South Africa on this page.


  3. Default Gravatar
    | January 23, 2017

    Hi. If I use my Qantas cash card to pay for airline tickets from an airline not linked with the QFF program, does that earn QFF points for the purchase itself or is that an ineligible purchase?



    • Staff
      May | January 24, 2017

      Hi Mike,

      Thanks for your question.

      With Qantas Cash, eligible purchases include all purchases of goods and services made using your card, so you may still earn points when you buy tickets from other airlines. You do not earn points when loading funds to your Qantas Cash card, transferring funds to another currency balance or another member’s card or when withdrawing funds from ATMs or cashing out your card balance.


  4. Default Gravatar
    | January 9, 2017

    We will be in Prague soon. From the previous answers, I see we will be able to get cash from an ATM with the Master Card logo, with the funds taken from other currencies we have loaded. My question concerns how widespread Master Card use and acceptability is in Prague? Also, is there a charge to us for using a different currency on our Cash Card to get the Czech Crown cash, apart from the ATM fee?

    • Staff
      May | January 9, 2017

      Hi Judy,

      Thanks for your question.

      Unfortunately, we do not have information as to where and how many ATMs in Prague with the MasterCard logo. You may visit the MasterCard official website to find a specific location.

      There is no currency conversion fee on the card when you withdraw money that is not from among the supported currencies. Although please note that a foreign exchange rate will apply to transactions that are conducted on the card. The foreign exchange rate used is the Qantas Cash Daily Rate. Also, the relevant amount will be funded by converting the transaction amount into the next available currency balance on your card in the order of priority as indicated above.


  5. Default Gravatar
    Kim | November 28, 2016

    Does the Qantas cash card offer complimentary travel insurance if using it to pay for travels expenses?

  6. Default Gravatar
    Kim | November 28, 2016

    Q1/ I would assume if I load AUD onto my card I will get AUD dollar for AUD dollar?

    Q2/ If I use the Qantas cash card to pay for Qantas flights would I earn QFF points? And if so what would the rate be?


    • Staff
      May | November 28, 2016

      Hi Kim,

      Thank you for your inquiry.

      Q1. I would assume if I load AUD onto my card I will get AUD dollar for AUD dollar?
      Yes, once you load the cash card with AUD, you will also get AUD if you use it in Australia. However, if you use the card outside Australia, the card draws funds from another currency in accordance with its default order of priority: 1. Australian dollars (AUD), 2. United States dollars (USD), 3. British pounds (GBP), 4. Euros (EUR), 5. Thai baht (THB), 6. New Zealand dollars (NZD), 7. Singapore dollars (SGD), 8. Hong Kong dollars (HKD), 9. Canadian dollars (CAD), 10. Japanese yen (JPY), and 11. United Arab Emirates dirham (AED)

      Q2. If I use the Qantas cash card to pay for Qantas flights would I earn QFF points? And if so what would the rate be?
      Since this card is linked to your Qantas FF account, you earn 1 Qantas Point for every dollar spent on eligible purchases in foreign currency and 1 Qantas Point for every two dollars spent on eligible purchases within Australia.

      Hope this has answered your questions.


  7. Default Gravatar
    Ian | November 7, 2016

    I have Euro and SGD on my QANTAS Cash Card.

    The card does not support Malaysian Ringgit, but can I use the card anyway? If so how do I do this? (?? Will it grab Euro or SGD and then convert)


    • Staff
      Chester | November 8, 2016

      Hello Ian,

      Thanks for your question,

      In some instances, if you are using in unsupported currency or because you don’t have adequate funds in the required currency, the card draws funds from another currency in accordance to its default order of priority.

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

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

      9. CAD
      10. JPY
      11. AED

      I hope this helps.


  8. Default Gravatar
    James | November 1, 2016

    Apparently there is a 1% Debit Load Fee (Debit Card Load fee 1% of the total load amount*)

    As seen on this page:

    What does this mean for us?

    • Default Gravatar
      Therese | November 13, 2016

      Can i use my Qantas card that I’ve loaded with Euros to pay a deposit via internet for accommodation etc in Europe. Does this still attract fees and charges

    • Staff
      Sally | November 14, 2016

      Hi Therese,

      Thanks for your question.

      You can use your Qantas Card both online and in-store. You should be able to use it to make a deposit in Euros and shouldn’t incur any additional fees.



    • Staff
      Sally | November 2, 2016

      Hi James,

      Thanks for your question.

      That’s correct, there is a load fee of 1% for debit card reloads. However, if you use bank transfer or BPAY to reload the card, there is no fee.

      I’ve updated the review page to make this information and distinction between the two more obvious.

      I hope this has helped.



  9. Default Gravatar
    bruce | October 31, 2016

    the Qantas cash card PDF is wrong, it infers that if you load multiple currencies then when you are in a foreign country and withdraw money from an ATM then the ATM will automatically default to the local currency provided you have money in that currency on your card. WRONG – I was in Thailand last week and my card had Thai Baht and EURO loaded on it, at 3 different ATMs I attempted to withdraw cash, and when I did the ATM automatically took the money out of my EURO account even though there was plenty of THAI Baht pre loaded – there was no selection or notification on the ATM that this would happen, I now have NO EURO left and still Thai Baht in my account, on top of that I was charged 200 baht for the transaction and not the 70 baht as in the PDF – NOT HAPPY WITH THE SERVICE AT ALL

    • Staff
      Sally | November 2, 2016

      Hi Bruce,

      Thanks for your feedback and we’re sorry to hear about the negative experience you had with the Qantas Cash Card.

      Just to confirm, had you changed your default currency to Thai Baht while you were in Thailand? While the currency should’ve automatically been taken from your Thai Baht account, there’s a chance that the Thai ATM machine wasn’t completely compatible with an Australian-issued card and took funds from the wrong account.

      If you had set Thai Baht as your default currency and it was still withdrawing in Euros, you might want to get in touch with Qantas Cash directly on 1300 825 302.



  10. Default Gravatar
    Jean | October 27, 2016

    I loaded $500 to my Qantas card but it doesn’t have Fijian dollars available. Can I retrieve my money in Australian dollars before leaving the country.

    Thank you.

    • Staff
      Jason | October 27, 2016

      Hi Jean.

      Thank you for inquiring.

      You can always withdraw you loaded cash from your Qantas card using any Mastercard ATM within Australia. It would be better to do it while you’re still in Australia since domestic ATM withdrawal fee don’t apply and to avoid international ATM withdrawal fee.


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