Qantas Cash Card Full Review

Rates and fees last updated on

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 Fee$0
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.

1. USD US dollars
2. GBP Great Britain pounds
3. EUR Euros
4. THB Thai baht
5. NZD New Zealand dollars
6. SGD Singapore dollars

7. HKD Hong Kong dollars
8. CAD Canadian dollars
9. JPY Japanese yen
10. AED Emirates dirham
11. AUD Australian dollars

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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This page was last modified on 4 September 2017 at 3:03pm.

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587 Responses

  1. Default Gravatar
    PatriciaAugust 7, 2017

    I am travelling to Brazil and Mexico next year and also USA. Would I need to load currencies for all or is it possible just to load US dollars using the card for purchases and drawing down cash when necessary. Would the US dollars convert to local currency on the day. Thank you

    • Staff
      MayAugust 7, 2017Staff

      Hi Patricia,

      Thank you for your inquiry.

      Yes, you can lock in the Qantas Cash Card with US dollars only. If that’s the only available currency in your card, by the time you withdraw money from an ATM in Brazil and Mexico, the US dollars will convert to the local currency and the exchange rate will be determined at the time of your transaction. Please also note that you may be charged an ATM withdrawal fee by the local ATM operator.


  2. Default Gravatar
    SandyAugust 4, 2017

    If I have Euros on Qantas cash and withdraw 1000 Euros, what fees will I incur?

    • Staff
      RenchAugust 4, 2017Staff

      Hi Sandy,

      Thanks for your inquiry. Please note that we are not affiliated with Qantas or any company we feature on our site and so we can only offer you general advice.

      If 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


  3. Default Gravatar
    SusanJuly 21, 2017

    Hi, If i put Euros on the Qantas travel card but dont spend all of it whilst overseas, can i leave the Euros on the card without incurring an ‘inactivity fee’ when im back in Oz. Or do i have to convert the Euros back into Aussie dollars when i come home?

    • Staff
      RenchJuly 22, 2017Staff

      Hi Susan,

      Thanks for your inquiry. Please note that we are not affiliated with Qantas Cash or any company we feature on our site and so we can only offer you general advice.

      Yes, you can leave your balance on your card. The Qantas Cash expiry date is listed on the Qantas Cash side of your Qantas Card. If you’re still a Qantas Frequent Flyer member, Qantas wil send a new card before Qantas Cash expires. They’ll also send you a new card if your Qantas Frequent Flyer Membership status changes.

      You may contact Qantas Cash directly for further inquiries.


  4. Default Gravatar
    PeterJuly 9, 2017

    Dear Qantas people,
    Will the Qantas cash card work in Poland or Croatia?

    • Staff
      ArnoldJuly 9, 2017Staff

      Hi Peter,

      Thanks for your inquiry.

      In some instances, you may not have enough funds in a particular currency for a transaction. This can be in the 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 with its default order of priority. The order is:

      1. AUD 2. USD 3. GBP 4. EUR 5. THB 6. NZD 7. SGD 8. HKD

      For instance, you travel to Poland or Croatia and you decide to use your Qantas Cash Card. The card will draw funds from the supported currencies above since Poland and Croatia’s currency is not supported.

      For more information please check this page.

      Hope this information helped.


  5. Default Gravatar
    SookJune 22, 2017

    Can points be transferred to qantas cash and be used as cash?

    • Staff
      JonathanJune 22, 2017Staff

      Hi Sook!

      As per Qantas Frequent Flyer Terms and Conditions, 12. Redeeming Qantas Points for Rewards
      “12.10 Qantas Points cannot be converted to or exchanged for money.”

      Hope this clarifies.


  6. Default Gravatar
    SueJune 8, 2017

    Can I use it for regular direct debits in australia?

    • Staff
      ArnoldJune 8, 2017Staff

      Hi Sue,

      Thanks for your inquiry.

      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.

      Hope this information helped.


  7. Default Gravatar
    JayneJune 7, 2017

    What do they mean under cost by a “Load fee of 1% of the total amount” and is there an annual fee?

    • Staff
      JonathanJune 7, 2017Staff

      Hi Jayne!

      Thanks for the comment.

      “Loading fee of 1% of the total amount” means that Qantas will deduct 1% of the deposited amount on the card. As for the annual fee, there is none.

      You may contact them directly for further assistance.

      Hope this helps.


  8. Default Gravatar
    HectorMay 29, 2017

    What is an ‘eligible’ purchase?

    • Staff
      JonathanMay 30, 2017Staff

      Hi Hector!

      Thanks for the comment.

      Please be advised that most purchases with Mastercard logo POS and online are eligible except those connected to gambling and adult entertainment. There are also countries where purchases are restricted due to sanctions in place.

      On the website, click “”Find out More”” orange button to get information about the Qantas Cash Card Product Disclosure Statement for your reference.


  9. Default Gravatar
    trishMay 25, 2017

    If I purchased a 3 day cruise for under $500. Does this get covered re travel insurance?

    • Staff
      RenchMay 26, 2017Staff

      Hi Trish,

      Thanks for your inquiry.

      I’m afraid that as Qantas Cash Card is a prepaid reloadable card, it does not include complimentary travel insurance. Basically, the complimentary travel insurances are attached to a credit card and they are listed on this page –

      Hope this information helped.

      Best regards,

  10. Default Gravatar
    EllenMay 24, 2017

    Can I use my frequent flyer points to buy/load the Qantas cash card?

    • Staff
      AnndyMay 24, 2017Staff

      Hi Ellen,

      Thanks for your question.

      Unfortunately, you won’t be able to load your Qantas Card using your points.

      There are three options to load this card:

      - Instant Load – funds will be available immediately
      - Bank Transfer – funds available the next business day
      - BPAY – funds available within 2-3 business days


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