Qantas Card with Qantas Cash®

Rates and Fees verified correct on July 28th, 2016

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)
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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.

Fees for using Qantas Cash
Load fee$0
Reload fee$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
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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.
  • 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.


  • Default PIN. You can’t personalise your Qantas Cash PIN like you can with many other travel money cards.
  • 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. Back to top

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.

The PIN is randomly generated and can not be changed.

Qantas Cash Service Centre:

          • 13 11 31
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This page was last modified on 25 July 2016 at 22:30.

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463 Responses to Qantas Card with Qantas Cash®

  1. Default Gravatar
    Janelle | July 26, 2016

    What banks in Hawaii & US do not charge an extra withdrawal fee from their ATM

    • Staff
      May | July 27, 2016

      Hi Janelle,

      Thank you for your question.

      Unfortunately, you’ll be charged each time you use your Qantas Cash card for overseas ATM withdrawals. The fee is USD1.95 when withdrawing cash from ATMs in the US.


  2. Default Gravatar
    | July 22, 2016

    How many points earned per dollar spent?

    • Staff
      May | July 22, 2016

      Hi Des,

      Thanks for your inquiry.

      With Qantas Card, you can 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.


  3. Default Gravatar
    | July 19, 2016

    I have loaded my Qantas card with euros within Australia pending a European trip can I check my balance at an ATM whilst in Australia

    • Staff
      May | July 19, 2016

      Hi Steve,

      Thank you for your question.

      Yes, you can. The secure Qantas Cash online platform lets you manage your account where you can view balances and transaction history, load funds, transfer funds between currencies, etc.


  4. Default Gravatar
    David | July 15, 2016

    How do I redeem any unused cash on my Qantas Cash card when I return to Australia?

    • Staff
      Anndy | July 15, 2016

      Hi David,

      Thanks for your question.

      If you have money left on your Qantas Cash facility at the end of your trip, you can cash out funds by transferring them to your nominated personal Australian bank account at any time through the Qantas website. You can also withdraw your money via an ATM.


  5. Default Gravatar
    Don | July 6, 2016

    I notice that the conversion rate for AUD to NZ is currently 1000NZ costs 1007AUD since the Aussie dollar is currently above the NZ dollar, why is that?

    • Staff
      Sally | July 7, 2016

      Hi Don,

      Thanks for your question.

      Unfortunately, the banks that own prepaid travel cards can set the exchange rates and these are usually less competitive than the official exchange rates. Heritage Bank Ltd determines the exchange rates charged on the Qantas Cash card, so you might need to contact the bank directly if you have concerns about the exchange rates on the card.

      I hope this has helped.



  6. Default Gravatar
    Peter | July 3, 2016

    If I have Hong Kong dollars on my card and pay for a meal in HK with the card will it subtract that charge from the HK dollars. It looks like I have simply been charged in Aud like a normal credit card.

    • Staff
      Sally | July 4, 2016

      Hi Peter,

      Thanks for your question.

      If you have Hong Kong dollars loaded on your card and have made a purchase in Hong Kong, the funds should’ve automatically been taken out of your HKD currency wallet rather than your Australian dollars.

      If it’s been removing Australian dollars from your account, you might need to contact Qantas Cash directly to make sure the funds have been loaded on your card correctly.

      I hope this has helped.



  7. Default Gravatar
    Terri | June 28, 2016

    Please give me directions to find the “lock-in” rates for the currencies that can go on the quants cash card. Thanks

    • Staff
      Anndy | June 28, 2016

      Hi Terri,

      Thanks for your question.

      I’ve sent you an email with a link to the Qantas Cash Daily Rate where you can lock-in rates and load foreign currencies in your card.


  8. Default Gravatar
    John | June 26, 2016

    If I load a specific amount in a particular currency (say Japanese Yen) will the exchange rate be the the rate of that day? Will I then be credited with that certain number of Yen which will be then available in that number when I come to use those funds irrespective of there being a significant change in the exchange rate?

    • Staff
      Sally | June 27, 2016

      Hi John,

      Thanks for your question.

      Yes, when you transfer your Australian dollars to Yen on your Qantas Cash card, your funds will be locked into the exchange rate that’s in place at the time of the transfer. Regardless of whether the exchange rate goes up or down, these funds will remain locked in that exchange rate. The same is true every time you load funds on the card and transfer them to one of the supported foreign currencies.

      I hope this has helped.



  9. Default Gravatar
    Vanessa | June 25, 2016


    Im having trouble withdrawing money from atm’s in London, are there any specific ones i should be using?
    Also when purchasing the chip isnt being read in the machines and I have to swipe, is this normal or does it mean theres something wrong with the chip?


    • Staff
      Sally | June 27, 2016

      Hi Vanessa,

      Thanks for your question and we’re sorry to hear about the trouble you’re having with the Qantas Cash card.

      You should be able to use your Qantas Cash card wherever MasterCard is accepted. Also, you usually should be able to use your chip for payments, so you might need to contact Qantas Cash directly to determine whether it’s an issue with your card or the terminals you’re using.



  10. Default Gravatar
    lisa | June 24, 2016

    What banks can I use in San Francisco and New York to withdraw cash from?

    • Staff
      May | June 24, 2016

      Hi Lisa,

      Thanks for your question.

      You can use your Qantas card to withdraw cash from any ATM in San Francisco and New York that displays the MasterCard logo.


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