Qantas Travel Money vs NAB Traveller Card

Would you prefer to earn Qantas Points or to spend with one of Australia's Big Four Banks? Discover which card is best suited for your next overseas trip.

If you're out looking for the best travel card in the world, you may be disappointed to discover that there is no one "best" travel card for everyone. It's important instead to understand and compare available options so that you can choose the travel card that will best suit you.

When comparing travel cards, you need to pay attention to factors such as the available foreign currencies, fees and extra features. To give you an example, this guide compares the Qantas Travel Money and NAB Traveller Card to help you determine which one could better suit your travels. Plus, you can use this guide to understand what factors you should pay attention to when comparing other travel cards before your overseas trip.

Qantas Travel Money vs NAB Traveller Card

Compare the different available currencies, reward point earn rates and fees associated with the Qantas Travel Money Card and NAB Traveller Card to decide which one suits your needs.

Feature/fee/rate qantas-cash-card-sml

Qantas Travel Money


NAB Traveller Card

Available currencies AUD
Points earn rate
  • 1.5 Qantas Points per $1 spent in foreign currency
  • 1 Qantas Point per $4 spent in AUD
Currency conversion 0% 4%
Load fees
  • Via BPAY or Bank Transfer: $0
  • Via Debit Card: 1% of load amount
Minimum load amount $50 $50
Maximum load amount
  • $20,000 in any 24-hr period
  • Via Instant Load: $15,000 in any 24-hr period; $30,000 in any 7-day period; $60,000 in any 30-day period (subject to $100,000 maximum balance during any 12-month period)
  • Via Internet banking or in-branch: $45,000
  • Via BPAY; $25,000 (subject to $45,000 maximum balance during any 12-month period)
Daily transaction limits
  • ATM: $3,000
  • Point of sale: $15,000
  • Cash over the counter: $350
  • ATM: $3,000
  • All transactions: $7,000
ATM withdrawal fees International:
  • AUD 1.95
  • CAD 2
  • EUR 1.5
  • GBP 1.25
  • HKD 15
  • JPY 160
  • NZD 2.5
  • SGD 2.5
  • USD 1.95
  • THB 70
  • AED 6.5
  • International: $0
  • Domestic: $3.75

(subject to ATM operator fees)

Monthly inactivity fee N/A N/A

Other factors to compare

In addition to the fees and features mentioned above, you should also consider the following factors before deciding which travel card is right for you.

  • Additional cards. You may get a secondary NAB Traveller Card at no additional cost, but Qantas Cash cards are limited to one per cardholder. This is important to consider if you want a backup card in case your primary card is lost, stolen or damaged.
  • Loading funds. Both cards let you load funds via BPAY and bank transfer, but Qantas offers the additional option of loading via debit card at a 1% surcharge. BPAY transactions can take up to three business days to process, while bank transfers can take up to one. Debit card transfers on the other hand are instantaneous, as are Internet bank transfers to the NAB Traveller Card from a linked NAB bank account.
  • Smartphone app. The Qantas Travel Money and NAB mobile banking apps both facilitate account management on your smartphone or device. You can also use the apps to check your account balances, load and transfer money between currencies, view your transaction history and manage account settings using either app.
  • Worldwide acceptance. Since both are Mastercards, they offer the same worldwide acceptance and security of the Mastercard brand.
  • Rewards program. Qantas Travel Money lets you earn Qantas frequent flyer points while the NAB Traveller Card offers no rewards program.
  • Emergency cash and card replacement. Neither card charges a card replacement fee in the event of loss, and both are supported by Mastercard Global Card Services.


Based on its 0% currency conversion fee and ability to earn Qantas Points, the Qantas Travel Money card comes out on top of this comparison. However, it's important to point out that you can avoid currency conversion fees on the NAB Traveller Card as long as you spend in loaded and supported currencies. You may also find it more useful for making free international ATM withdrawals. The NAB Traveller Card would likely be more suitable also for existing NAB account holders who have no interest in earning Qantas Points.

Ultimately, neither card will carry the same appeal for everyone, since all cardholders have different needs and travel plans. You should consider each card in relation to your personal circumstances before applying. You can use our travel money guides to compare other travel cards and determine which one is right for your next overseas trip.

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Sally McMullen

Sally McMullen is an editor at who is a credit cards and frequent flyer expert by day and music maven by night.

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