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Cash Passport Platinum Mastercard – Travel Money Card Review

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Cash Passport Platinum Mastercard
Initial Load Fee
$0 (via online) or $0 (via branch)
Reload fee


Spend in 11 currencies and take advantage of locked-in exchange rates with the Cash Passport Platinum travel card.

The Cash Passport Platinum is a prepaid travel Mastercard that lets you load up to 11 different currencies, allowing you to spend in multiple regions with ease. Enjoy the security of locked-in exchange rates and the safety of not having to carry cash around as well as the convenience and wide acceptance of a Mastercard. As a platinum product, this card also offers 3 months of free global wi-fi each time you top up and complimentary access to airport lounges worldwide if your flight is delayed.

In this guide

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  • Details
    • Features
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    • Restrictions
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Available Currencies AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, AED
Multiple Currencies on One Card? Yes
Number of Cards Issued 1
Minimum Load Amount $100
Maximum Load Amount $100,000
Maximum Load Amount (Annual) $100,000
24 Hour ATM Cash Withdrawal Limit $3,000
24 Hour Purchase (POS) Transaction Limit $15,000


Card Issue Fee $0
Initial Load Fee $0
ATM Withdrawal Fee USD $2.50, EUR €2.50, GBP £2.00, NZD $3.50, THB ฿80.00, CAD $3.50, HKD $18.00, JPY ¥260.00, SGD $3.50, AUD $3.50, AED 10.00
Inactivity Fee (Monthly) $0
Transaction Fee (for Purchases) $0
Card Replacement Fee $0
Currency Conversion Fee 0%
BPAY Reload Fee May attract fee
Negative Balance Fee $0
Account Closing Fee $10


Minimum Age 18
Available to Temporary Residents? No

What currencies can I load on the Cash Passport?

The Cash Passport supports the following major currencies:

  • Euros
  • US dollars
  • Great British pounds
  • New Zealand dollars
  • Thai baht
  • Canadian dollars
  • Japanese yen
  • Hong Kong dollars
  • Singapore dollars
  • United Arab Emirates dirham
  • Australian dollars

Exchange rates

Mastercard Prepaid sets the foreign exchange rates when you load or reload funds, and the rates can vary daily. When converting funds from one currency wallet to another on your card, Mastercard Prepaid will also determine the applicable foreign exchange rates at the time of the transaction.

When spending in a currency that isn't supported by or loaded on the card, Mastercard Prepaid will apply its designated "spend rate" for conversion and funds will be debited from your card from the next available currency balance following the default currency order:

So, let's say you're travelling in Vietnam and have Australian dollars and euros loaded on your card. This means that if you swipe your Cash Passport in Vietnam to pay for dinner in Vietnamese dong, your card will be debited in Australian dollars at Mastercard Prepaid's spend rate. If your Australian dollar wallet does not have sufficient funds to cover the full transaction, your next currency wallet with a positive balance will be deducted. As you didn't have US dollars loaded on the card, the funds will be deducted from your euros wallet. Again, Mastercard Prepaid will determine the spend rate for converting dong into euros

Where can I use my Cash Passport?

This travel card offers the worldwide acceptance of a Mastercard, which means that you can use it online, in stores and at international ATMs wherever you find the Mastercard symbol. However, some restrictions apply, such as the card not working in certain countries due to Mastercard-imposed restrictions. You also cannot use the Cash Passport for manual transactions or unlawful activities.

Features of the Cash Passport

These are the prime features and benefits of the card:

  • Locked-in exchange rates. Enjoy protection from exchange rate fluctuations when you lock in your chosen currencies in advance.
  • Additional cardholders. At the time of obtaining your card, you may purchase an additional card for free.
  • Free global Wi-Fi. Access over a million of Boingo hotspots and stay connected around the world. Get 3 months of membership every time you load your Cash Passport account with AU$100 or equivalent foreign currency.
  • Worldwide ATM alliance. The Mastercard network ensures that you are able to make ATM withdrawals anywhere in the world where Mastercard is electronically accepted.
  • Online account. Easily manage your Cash Passport online while staying on top of your expenditure with your online account. You can check balances, view transaction history, transfer between currencies and reload funds online even when you're on the move.
  • Cash Passport offers. Enjoy exclusive shopping offers, including online store discounts and free shipping.
  • Mastercard Zero Liability. Spend with peace of mind knowing that your account is protected against unauthorised and fraudulent transactions.
  • How much does the Cash Passport cost?

    This table explains the associated costs of this card and when you'll be charged each fee.

    Type of feeCostWhen you'll be charged
    Purchase fee$0N/A
    Initial load fee$0N/A
    Reload fee
    • $0 for bank transfers and online reloads (except when using debit cards)
    • when using BPAY without booking your rate
    • $5 for each load transaction using a debit card
    You pay this fee each time you reload funds on your card after the initial load.
    Administrative feeUp to the greater of 1.1% of the load/reload amount or $15You pay this fee when you purchase and load or reload your card in-store with the assistance of a customer service representative.
    Currency conversion fee$0When you convert funds from one currency to another or when you transact in a currency that isn't supported or loaded on the card, you won't be charged a fee. Please note that the Mastercard prepaid exchange rates will apply, though.
    International ATM withdrawal fee
    • USD $2.50
    • EUR $2.50
    • GBP $2
    • NZD $3.50
    • THB 80
    • CAD $3.50
    • HKD $18
    • JPY $260
    • SGD $3.50
    • AED 10.00
    • AUD $3.50
    You pay this fee for making a cash withdrawal from an overseas ATM using your Cash Passport. For international ATM withdrawals in countries other than those with supported currencies on the card, you'll be charged the Australian dollar withdrawal fee.
    Domestic ATM withdrawal fee2.95% of withdrawal amountYou pay this fee when withdrawing cash from an ATM within Australia.
    Additional card fee$0N/A
    Replacement card fee$0N/A
    Inactivity fee$0N/A
    Cash out fee $10You pay this fee for cashing out funds on your card apart from ATM withdrawals.

    How to use the Cash Passport

    Start using your Cash Passport by following these easy steps.

    • Activate the card. Get your Cash Passport at a participating distribution outlet, or apply online if you can wait more than three business days for it to be delivered. You can activate your card online once you receive it.
    • Load funds on the card. Either top up funds at a participating distribution outlet or do it online via a debit card, BPAY or bank transfer. Debit card payments are instantaneous, while BPAY and bank transfer payments can take up to two business days to be settled (which further delays card delivery by post). The exchange rate at the time of settlement will be applied in these cases, and may differ from the rate at the time of your transaction. The minimum loading and reloading amount is AUD$100 per transaction, but maximum limits differ with transaction types.
    • Manage your online account. Once you've registered your card online, you will be able to log in anytime to manage your account. This includes checking transactions and balances, transferring currencies between currency wallets and reloading funds whenever you need.

    What do I do if I return home with foreign currency remaining on the card?

    You may keep these currencies on your card for your next trip or cash out the available funds immediately for a fee of $10. The funds will then be transferred directly to your nominated bank account.

    Who do I contact if my card is lost, stolen or damaged?

    To report a lost or stolen card, or a breach of your PIN security, you should immediately call the 24-hour Global Emergency Assistance helpline at 1800 098 231 or +44 207 649 9404 when overseas. You can then arrange to get a replacement card and emergency cash, so it's important to contact the helpline as soon as possible.

    How to apply for a Cash Passport

    You can apply for the Cash Passport in a few minutes online. You will need to provide personal details including your name, date of birth, phone number and home address. You will also need to provide your Australian passport or Australian driver's licence number for identification verification purposes. You can apply for an additional card at this time for free. Your new card(s) will be sent to your home via Express Post in three days if you pay by debit card, or longer if you pay by BPAY or bank transfer since those funds will require time to clear.

    You can also apply for a Cash Passport in-store at BOQ, Greater Bank and Heritage Bank to name a few locations.

    Are there any eligibility requirements?

    You must have an Australian passport or Australian driver's licence to apply.

    With so many waived fees, the Cash Passport Mastercard is a strong contender among travel cards. However, it's wise to compare your options before applying to ensure you're applying for the right card for you.

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    Marc Finder


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    Darryl griffiths

    March 22, 2023

    Is a person of 16 years of age able to use this card


    Sarah Megginson Finder

    March 22, 2023

    Hi Darryl,

    The PDS specifies the terms and conditions of this card, which confirm a Card may be sold to be used by a minor under the age of 18 and above the age of 14.

    In this instance, Mastercard requires the consent and assistance of the minor’s parent or legal guardian, to be evidenced by a signature from that minor’s parent or guardian, who agrees to be liable for all acts of the minor.

    Hope this helps!

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    October 18, 2019

    How do I transfer funds from Cash Passport to another account?


    Jeni Finder

    October 20, 2019

    Hi Robyn,

    Thank you for getting in touch with Finder.

    So long that the other person has Cash Passport account then you may process transfer funds. Kindly log in to your ‘My Account’ and select ‘Transfer Money’. You will then need to enter the details of the card you wish to send to. Please note that you must enter your friend or family’s details exactly as per their account details.

    I hope this helps.

    Thank you and have a wonderful day!



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    September 18, 2019

    If by some chance a cash passport is hacked, am I protected against fraudulent use by Mastercard? Can I get compensated as no computer system is foolproof.


    Jeni Finder

    September 19, 2019

    Hi Ian,

    Thank you for getting in touch with Finder.

    You’ll be protected by the Mastercard Zero Liability policy for unauthorised transactions made using your card in-store, online or over the phone. You’ll need to take reasonable measures to protect your Cash Passport and PIN from unauthorised use for the policy to apply. Please refer to your card’s PDS for more info on security.

    I hope this helps.

    Thank you and have a wonderful day!



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    June 11, 2019

    How do I find out what I have left on my multi-currency cash passport?


    Jhez Finder

    June 11, 2019

    Hello William,

    Thank you for your comment.

    Just simply log in to your Cash Passport account, then please go to ‘My Account’, then please register your card and you’ll be able to see your Multi-currency Cash Passport balance, the allocation of funds across the Currencies, and you can view any recent transactions.



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    May 21, 2019

    We are travelling to the UK and Euro zone countries via Singapore. I intend to take a card with $3000 and to use in the above three currencies. How do I accomplish this?


    Jeni Finder

    May 21, 2019

    Hi Peter,

    Thank you for getting in touch with Finder.

    If you consider getting this Cash Passport Platinum Mastercard for your UK and Europe trip, you may order online by clicking on green Go to site button on this page and you will be redirected to their official page where you may learn more about this card or even order online. Please note that this is only delivered to your Australian address. You may transfer from one currency to another and Mastercard determines the applicable foreign exchange rates at the time of the transaction. You may also purchase your chosen currencies while applying online with this card so you may have GBP and Euro saved then.

    I hope this helps.

    Thank you and have a wonderful day!



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