Qantas Cash
More info
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 Currencies | AUD, AED, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD |
|---|---|
| Multiple Currencies on One Card | Yes |
| Number of Cards Issued | 1 |
| 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 Fee | 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 |
| Reload Fee | $0 |
| Monthly Inactivity Fee after 12 months inactivity | $0 |
| Transaction Fee for Purchases | $0 |
| Card Replacement Fee | $0 |
| Currency Conversion Fee | 0% |
| BPay Reload fee | $0 |
| Minimum Age | 16 |
|---|---|
| Available To Temporary Residents | No |
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
Rewards
This card is linked to the Qantas Frequent Flyer Program. You earn 1.5 Qantas Points for every $1 spent on eligible purchases in a foreign currency, and 0.25 Qantas Points for every $1 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 Fee | 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 |
| 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
Pros
- 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.
Considerations
- 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
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?
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.
Cheers,
Rench
Dear Qantas people,
Will the Qantas cash card work in Poland or Croatia?
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.
Cheers,
Arnold
Can points be transferred to qantas cash and be used as cash?
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.
Cheers,
Jonathan
Can I use it for regular direct debits in australia?
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.
Cheers,
Arnold
What do they mean under cost by a “Load fee of 1% of the total amount” and is there an annual fee?
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.
Cheers,
Jonathan
What is an ‘eligible’ purchase?
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.
Cheers!
Jonathan
If I purchased a 3 day cruise for under $500. Does this get covered re travel insurance?
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 – https://www.finder.com.au/free-travel-insurance-with-credit-cards.
Hope this information helped.
Best regards,
Rench
Can I use my frequent flyer points to buy/load the Qantas cash card?
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
Cheers,
Anndy
Hi; when i return to OZ and have X amount of Euros on the card, how do I redeem my money and what am I charged?
Regards
Michael
Hi Michael,
Thanks for your question.
You can cash out funds from your Qantas Cash facility to your personal Australian bank account at any time. There are no fees or charges, and you can cash out one currency, or all of them. You can also withdraw cash out via an ATM at any time. Although, some ATM operators may charge their own fees or set their own limits.
I hope this helps.
Cheers,
Liezl
I had my Qantas Cash card replaced and I have a new pin. Is my password still the same?
Hi Judith,
Thank you for your enquiry.
Your Qantas Cash card PIN is different from your Qantas Cash account password. Your Qantas Cash account password would remain unchanged even if you change your Qantas Cash card PIN.
Kind regards,
Jason