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Qantas Travel Money

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Want to earn Qantas frequent flyer points on your overseas spending? Read this guide to find out how Qantas travel money options can help you get more rewards.

Whether you want a dedicated travel money card, a credit card or debit card , Qantas has partnered with a range of providers to give you access to money when you go overseas.

Here, we take a look at the features and benefits of these options, how to earn Qantas frequent flyer points with them and what you need to know before you decide to get travel money through the Qantas network.

Qantas Cash®

Qantas Cash

  • Earn up to 1.5 Qantas Points per eligible $1 spent
  • 11 currencies on one card
  • Lock in exchange rates

Qantas Cash®

The Qantas Cash® allows you to earn Qantas Points on all transactions including local and foreign transactions.

  • Choose from 11 currencies on the one card: USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED and AUD.
  • Ability to load money and convert currencies 24/7 on the secure customer portal.
  • Locked-in exchange rates for multiple currencies and low and transparent fees.
  • Accepted electronically – at over 35 million locations in over 210 countries worldwide.
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Rates last updated August 17th, 2017
Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
Qantas Cash
Qantas Cash		 AUD, AED, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD 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 $0 $0 Go to site More
HOW TO NAVIGATE THE QANTAS TRAVEL MONEY GUIDE

Travel cards

Qantas has partnered with Heritage Bank Limited to release the Qantas Cash card: a prepaid Mastercard that lets you load up to 11 currencies at a time.

This multi-currency travel card can be used at over 35 million locations around the world and also doubles as your Qantas Frequent Flyer membership card.

Features of Qantas Cash Card

  • Frequent flyer rewards. When you use the Qantas Cash Card, you will earn 1.5 points per $1 spent in a foreign currency and 0.25 points per $1 spent in Australian dollars.
  • Flight benefits. Qantas offers fee free flight booking on Qantas.com for trips departing in less than seven days from the booking date. You can also use the card as a boarding pass for some flights.
  • 11 global currencies. Preload Australian dollars and then transfer them to any of the following 10 currency options: AED, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB and USD. This gives you a chance to lock in competitive exchange rates before you travel and avoid international transaction fees that other cards may charge.
  • International ATM withdrawal fee. The Qantas Cash Card charges a fee for all ATM withdrawals outside of Australia. The specific rate varies depending on the currency used, but starts from around GBP1.25.
  • Debit card load fee. There is a 1% charge of the total amount loaded onto the card using an eligible Australian debit card. To avoid this cost, you can choose to add money to the card via BPAY, which doesn’t attract a fee.
  • Load limitations. You are required to add at least $50 to the card at a time and you can load up to AUD$20,000on the card in a 24 hour period.
  • Tap-and-go technology. With Mastercard PayPass, you can simply tap your card to make a payment for transactions under $100 in Australia.
  • Card to card transfer. Move funds from your account to another Qantas Cash Card by logging into your card account online.
  • Safety. The card has 24/7 fraud support, chip-and-PIN technology and a zero liability policy to protect you against unauthorised charges.

Check out our guide to the Qantas Cash Card for more information about this travel money option and ways to apply for it today.

What to watch out for with the Qantas Cash Card

While the Qantas Cash Card has a wide range of benefits, it’s important to keep the following factors in mind if you want to get the most out of this prepaid travel money card.

  • ATM fees. You will be charged a fee every time you use the card at an ATM outside of Australia, which could quickly eat into the balance of the card.
  • Loading times. The time it takes to load money onto the card varies depending on how you add it. If you use an eligible Australian Mastercard or Visa (the Debit Load option), it will be instant but cost you 1% of the total transferred. If you load via a bank transfer, it will take one business day, and BPAY loads take two to three business days. Make sure you factor these times in so that you know you will have funds available when you use the card.
  • Default PIN. You can’t personalise your PIN for this card, which means you will have to memorise it before you can use the card.

Other Qantas cards for travel

You can also earn Qantas Points on your spending overseas by using an Australian frequent flyer credit card. Some of these options – such as the ANZ Frequent Flyer Black and NAB Qantas Rewards Premium – even offer complimentary travel insurance when you book your trip on the card.

Just remember that purchases made on a credit card will attract interest charges if you carry a balance from month-to-month. If you don’t think you can pay the balance in full, you may want to consider a debit card that earns points, such as the Bankwest Qantas Transaction Account.

Either way, it’s important to remember that Australian credit cards and debit cards will still attract a foreign transaction fee for purchases made overseas (or with an international online retailer), which could add 2% to 3% to your total transaction value. Make sure you factor these costs into your budget if you take your everyday credit card or debit card with you overseas, or look for a card that has no foreign transaction fees to make paying with plastic more affordable.

Travel insurance

Qantas has a number of travel insurance options available to help you look after yourself, your family and your belongings when you’re overseas, including:

  • Annual multi-trip insurance. A $545 fixed-price option covering unlimited trips in a 12-month period.
  • International comprehensive insurance. Coverage for single, international trips, with policies available for people up to 69 years of age as well as people over 70 years of age.

These policies are offered through Qantas Assure, and underwritten by QBE. If you’re an Australian Qantas Frequent Flyer member, you can also redeem points on your travel insurance when you book a domestic or international flight departing from Australia at qantas.com.

When purchasing Qantas travel insurance, make sure you check the details of the policy so that you know how much you are covered for and any additional costs. Coverage for vehicle rental hire, for example, costs an extra $20 for every $500 of the limit on your selected policy, while snow sports coverage costs between $250 and $500 more.

It’s also important to check the excess amount you will pay for each insurance claim. Generally excess costs start from $100, although there may be some exceptions depending on the policy and the level of coverage you require.

Complimentary travel insurance included with Qantas

Qantas credit cards offer complimentary travel insurance to help you save money and provide you with convenient insurance cover.

Compare Qantas credit cards with complimentary travel insurance

Compare travel insurance options and get a personal quote today

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Qantas travel money frequently asked questions

No, Qantas is not a bank. Heritage Bank Limited is the issuer of Qantas Cash. This means that Qantas Cash cardholders’ contractual relationship is with Heritage Bank Limited rather than Qantas. Be sure to refer to the Product Disclosure Statement for additional information.

The second load of funds will be locked-in to the exchange rate that’s in place at the time of loading, not the exchange rate that was in place when you first loaded funds on the card.

If your card is stolen Qantas has a 24/7 emergency assistance line to help you. They can give you emergency cash and help you suspend your card to prevent funds being stolen. Any fraudulent transactions on this card are covered by Mastercard’s Zero Liability policy, provided you’ve acted within the conditions of use set out in the Product Disclosure Statement.

Please see our comparison of a wide range of travel money cards.

The Qantas Cash card doesn’t charge currency conversion fees on unloaded currencies. So even if you’re travelling somewhere that has a local currency that isn’t supported by the card, you can still use it without the extra cost.

Yes. Partners, dependent children and other children can be covered by your travel insurance for an additional premium. Make sure you request this in your quote, or ask for an upgrade of your policy before you commence travel.

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This page was last modified on 11 August 2017 at 5:26pm.

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40 Responses

  1. Default Gravatar
    RobertoNovember 24, 2015

    Hi Sally
    I have loaded one foreign transaction into the Qantas ff cash card and about to add another; will the second transaction have the earlier exchange rate or will it be at the latest exchange rate.
    Thanks

    Reply
    • Staff
      SallyNovember 25, 2015Staff

      Hi Roberto,

      Thanks for your comment.

      The second load of funds will be locked-in to the exchange rate that’s in place at the time of loading, not the exchange rate that was in place when you first loaded funds on the card.

      I hope this has answered your question.

      Cheers,

      Sally

      Reply
  2. Default Gravatar
    lenOctober 22, 2015

    What if I lose my card?

    Reply
    • Default Gravatar
      KathyJanuary 3, 2016

      I am going to Europe, Russia, Croatia and Dubai but can’t find a card that has these currencies. Only two of them. Are there any cards that include these currencies.
      Thanks Kathy

      Reply
    • Staff
      SallyJanuary 4, 2016Staff

      Hi Kathy,

      Thanks for your question. While most travel cards support Euro currency, not many Australian credit cards support the other currencies you’ve listed.

      As such, you may like to consider a card that doesn’t charge currency conversion fees on unsupported currencies, meaning you can use your card internationally without the cost of such fees.

      At this point, the Commonwealth Bank Travel Money card is the only Australian prepaid travel money card that doesn’t charge currency conversion fees for unsupported currencies.

      You can compare other travel money options here.

      I hope this has helped.

      Cheers,

      Sally

      Reply
    • Staff
      SallyOctober 23, 2015Staff

      Hi Len,

      Thanks for your question.

      In the event that you lose your card, you’ll need to notify Qantas immediately. Qantas will then either suspend or close your account. When you get in contact with Qantas, you can either request an emergency fund transfer or a replacement card.

      I’ve emailed you the Qantas Cash customer support number for your convenience.

      I hope this has helped.

      Thanks,

      Sally

      Reply
  3. Default Gravatar
    sueJune 13, 2015

    Does this card carry a fee to deposit money online?

    Reply
    • Staff
      SallyJune 15, 2015Staff

      Hi Sue,

      Thanks for your question.

      No, unless you’re attempting to use a currency that is not supported by the card, there is no fee.

      For a full list of the Qantas Cash travel money card fees and charges, please see the Product Disclosure Statement available through the Qantas Cash website.

      I hope this has answered your question.

      Thanks,

      Sally

      Reply
  4. Default Gravatar
    sueJune 13, 2015

    Hi does this card have a reload fee?

    Reply
    • Staff
      SallyJune 15, 2015Staff

      Hi Sue,

      Thanks for your question.

      No, loading funds onto the Qantas Cash travel money card is free.

      I hope this has answered your question.

      Thanks,

      Sally

      Reply
  5. Default Gravatar
    TonyMay 28, 2015

    Can my wife’s Qantas card be linked to my Qantas card’s account, that way we have a card each, and both operate / draw out of the one account?

    Reply
    • Staff
      SallyMay 29, 2015Staff

      Hi Tony,

      Thank you for your question.

      You can only have one Qantas cash card per account.

      I hope this has answered your question.

      Thanks,

      Sally

      Reply
  6. Default Gravatar
    RaanaOctober 23, 2014

    Hello,

    I am currently in the US and have my qantas cash card,my first purchase the other day rent through with no issues. Yesterday I attempted to make multiple purchases and both we’re declined. I used the correct pin and it didn’t go through. As a result, I paid in cash. I have just been online to my account to see why this was occurring, and have seen that the payments are sitting there as pending ( for one set purchase we attempted it 3 times, so it says that transaction is pending for 3 times. Why is this happening? Will I now be charged 3 times from my card when I paid in cash already?! I need access to my card and need to resolve this as soon as possible, however don’t have access to a phone right at this moment in time to call Qantas help line.

    Thanks,
    Raana

    Reply
    • Staff
      ShirleyOctober 24, 2014Staff

      Hi Raana,

      Thanks for your question.

      You can get in touch with Qantas through an online message through this link.

      All the best and hope you resolve this with Qantas asap.

      Cheers,
      Shirley

      Reply
  7. Default Gravatar
    PamplonaSeptember 14, 2014

    To avoid the monthly ongoing fee. Is it only charged if there are funds in the account? How do you bring the balance back to zero?

    Reply
    • Staff
      ShirleySeptember 15, 2014Staff

      Hi Pamplona,

      Thanks for your question.

      There is no monthly fee for the Qantas Cash. If you’d like Qantas to refund your credit in your Qantas Cash, please get in touch with them directly to request this.

      Cheers,
      Shirley

      Reply
  8. Default Gravatar
    AndieJuly 6, 2014

    Hi,
    How do you make online purchases with the Qantas Travel Card if it doesn’t have an expiry date on the card?
    Thanks,

    Reply
    • Staff
      ShirleyJuly 7, 2014Staff

      Hi Andie,

      Thanks for your question.

      The Qantas Cash expiry date should be listed on the Qantas Cash side of your Qantas Card.

      Cheers,
      Shirley

      Reply
  9. Default Gravatar
    MickJune 3, 2014

    I’m tossing up between the Qantas card and the ANZ and Westpac cards. Which would you recommend?

    Reply
    • Staff
      ShirleyJune 6, 2014Staff

      Hi Mick,

      Thanks for your question.

      Unfortunately we can’t recommend one card over another. Your decision may be based on the countries you’re travelling to and whether or not you can preload the currency beforehand to save on fees.

      You may also want to consider how you’re going to spend your money, if you know that you’ll be withdrawing out of ATMs quite frequently, then you may want to opt for a card that charges less fees for withdrawing out of an ATM.

      Cheers,
      Shirley

      Reply
  10. Default Gravatar
    liaMay 17, 2014

    What will the cost be of changing aud into euros here in Australia before leaving for Italy ?

    Reply
    • Staff
      ElizabethMay 19, 2014Staff

      Hi Lia,

      Thanks for your question.

      There is no load fee for Qantas cash and the currency conversion fee is 3% of the transaction value.

      Hope this has helped.

      Thanks,

      Elizabeth

      Reply
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