Qantas Card with Qantas Cash®

Rates and Fees verified correct on August 26th, 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)
Back to top

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
Back to top

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
Back to top
Was this content helpful to you? No  Yes

This page was last modified on 25 July 2016 at 22:30.

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

483 Responses to Qantas Card with Qantas Cash®

  1. Default Gravatar
    Damien | August 22, 2016

    I’m thinking of using qantas cash as a general purpose card in Australia, mainly paywave purchases and utility bills to earn points. Is this a good idea? Any traps?

    • Staff
      Sally | August 23, 2016

      Hi Damien,

      Thanks for your question.

      As a financial comparison service, we’re unable to suggest any specific products to our users as the best option will always depend on your individual circumstances.

      The Qantas Cash card can be used wherever MasterCard is accepted. Please note that you’ll be charged a fee of AUD$1.95 every time you use the card for ATM withdrawals in Australia. You’ll also be charged 1% of the total load amount when you make an instant reload.

      You should be able to earn Qantas Points on all eligible purchases excluding money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. Purchases that are reversed, refunded or charged-back are also ineligible.

      Aside from those fees and limitations, the Qantas Cash card should work the same as any other prepaid or debit card when used in Australia.

      I hope this has helped.



  2. Default Gravatar
    Kim | August 21, 2016

    Can you please explain the “default currency”? I will be spending 5 days in the UAE and then about 3 weeks in Italy. Should the default currency be set to Euros? I look forward to your reply. Many thanks.

    • Staff
      Sally | August 22, 2016

      Hi Kim,

      Thanks for your question.

      On a prepaid travel card, the default currency refers to the order in which funds are withdrawn from your card. If you don’t have funds loaded in the local currency on your card, your travel card will take the money from your loaded currency wallets in a specific order.

      The Qantas Cash card has the following default currency order:
      1. AUD,
      2. USD,
      3. GBP,
      4. EUR,
      5. THB,
      6. NZD,
      7. SGD,
      8. HKD,
      9. CAD,
      10. JPY, and
      11. AED.

      You can choose to change your default currency order via the Qantas Cash website.

      As the United Arab Emirates dirham isn’t available on the Qantas Cash card, it won’t really matter what your default currency is while you’re travelling there. However, when you’re in Italy, you might want to change your default currency to Euros, so your money is automatically taken from your Euros account. Otherwise, if you have funds in your Australian dollars account, your funds might be taken from there and converted into Euros rather than using the preloaded Euros and the exchange rate that was in place when you first transferred your AUD into Euros.

      I hope this has helped.



  3. Default Gravatar
    G | August 19, 2016

    Can i load my card with cash and if so where can i do it, i live in western Australia thanks

    • Staff
      May | August 19, 2016

      Hi G Matthew,

      Thank you for your question.

      Unfortunately, Qantas Cash Card can only be loaded through bank transfer or BPay.

      Bank Transfer is the fastest way to load funds onto your Qantas Cash card, where 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).

      As for via BPay, it’s 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 and then follow the prompts. It will take 3 business days before you can access your money when loading through BPay.


  4. Default Gravatar
    James | August 16, 2016

    i am a frequent flyer member. how do i get my card?

    • Staff
      Chester | August 16, 2016

      Hello James,

      Thanks for your question,

      If you are residing in Australia and New Zealand You may obtain your frequent flyer card if you have applied online and provided your delivery info and you may receive it via post. If you are residing outside of these 2 countries you will only be provided with a frequent flyer number. You may visit Qantas official website for more info.

      I hope this helps.


  5. Default Gravatar
    Steve | August 15, 2016

    Does the ATM fees apply when you use the card at a POS

    • Staff
      Sally | August 16, 2016

      Hi Steve,

      Thanks for your question.

      The ATM fees only apply when you’re using the card to make an ATM withdrawal. Other fees, such as currency conversion fees, may apply when you’re using the card at an EFTPOS machine.



  6. Default Gravatar
    Mia | August 11, 2016

    I have left over cash in my account after an overseas holiday. I have transferred back to AUD. How can I withdraw cash in Australia without an ATM fee? I tried Woolies and card was declined. NAB ATM wanted me to pay a fee to withdraw. Are any ATMs in Australia free to withdraw cash?

    • Staff
      Anndy | August 11, 2016

      Hi Mia,

      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 through the Qantas website. You can also withdraw your money via an ATM with a MasterCard logo. The bank will not charge you with ATM withdrawal fee within Australia but third party ATM operator may charge a fee.


  7. Default Gravatar
    Sue | August 7, 2016

    Can I set up the cash card on my bank’s online payment system, i.e. as a biller payment, so I can transfer money from my bank account straight over to the cash card?

    • Staff
      Sally | August 8, 2016

      Hi Sue,

      Thanks for your question.

      As long as you have the details of your Qantas Cash card, you should be able to set up automatic loads and reloads from your regular bank account.

      Please note that online bank transfers will take up to one business day to appear in your account.



  8. Default Gravatar
    Jane | August 5, 2016

    I have had my qantas cash card stopped, rightly so, due to fraudulent activity. I am in the Czech Republic with no cash, no card and have spent 57 minutes on the phone to call centre who advised they were making a western union transfer in € as we travel to Germany tomorrow. The agent was to email me the reference number. We waited in hotel lobby, no email so went back to room to see we missed a phone call advising it could not be sent. I rang back, bad line so agent was to call me back straight away. 1 hr later still waiting, not really wanting to pay anymors money ($228 so far) in international calls for incompetent workers who should have told me in the first place that I could not get € in Czech Republic

    • Staff
      Sally | August 8, 2016

      Hi Jane,

      Thanks for your comment and we’re so sorry to hear about the inconveniences you’ve had with your Qantas Cash Card and the customer service team.

      As a financial comparison service at, we’re unable to provide you with any assistance regarding your card.

      Unfortunately, it’s not uncommon to experience delays when trying to contact customer service teams of travel money providers. While you could send Qantas Cash an email regarding your situation, the quickest option is still going to be calling them. If you get onto the customer service team again, maybe ask for the reference number over the phone and write it down and ask if that agent has a specific direct call number.

      I’m sorry we weren’t able to be of more assistance.



  9. Default Gravatar
    Jennifer | August 4, 2016

    My husband and I have both got Qantas cash cards. We travelled throughout Europe and Scandinavia without any problems last year using the card everywhere. We are now in Malaysia and unable to withdraw funds or pay with the card . The Maybank of Malaysia refuses to accept these cards . Is there anywhere we can use them ?

    • Staff
      Sally | August 5, 2016

      Hi Jennifer,

      Thanks for your question.

      You should be able to use the Qantas Cash Card wherever MasterCard is accepted. Geographical sanctions include Crimea, Cuba, Iran, North Korea, Sudan and Syria, so you should be able to use the card fine in Malaysia as long as they accept MasterCard prepaid cards.

      If you’re still having difficulty, you may need to contact the Qantas Cash team on +61 1300 825 302 to report the issue.



  10. 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.


Ask a question