qantas travel money (mastercard)

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Qantas travel money, 27/02/2024 • knowledge, information.

What is Qantas Travel Money?

Qantas Travel Money is a prepaid debit card facility built into the back of the Qantas Frequent Flyer membership card. You can lock in exchange rates on multiple currencies and earn Qantas Points on eligible purchases at home and overseas. You must be an Australian resident to use Qantas Travel Money. Qantas Travel Money is issued by EML Payment Solutions Limited ('EML') (AFSL 404131) (the Issuer). Consider the Product Disclosure Statement (PDF)  and Target Market Determination (PDF) . Conditions apply. Learn more about  Qantas Travel Money .

Other Useful Articles

• Accessing the Qantas Club lounge
• Domestic travel on international flights
• Finding my travel credit
• Purchasing Qantas Lounge Passes for one person in a booking
• Qantas Travel Insurance Policies

Qantas Money

Compare qantas money cards that offer qantas points and other travel perks, with customer reviews..

In this guide

Compare Qantas Money credit cards

Types of qantas money cards, benefits of getting a qantas money credit card, eligibility criteria, frequently asked questions.

Qantas Money offers Qantas Premier Credit Cards, the Qantas Travel Money Card and a dedicated app to manage them. Qantas Money is part of the Qantas Airways family, but the credit cards are issued by NAB and the travel money card is issued by Heritage Bank. If you're not a Qantas Frequent Flyer member yet, choosing any Qantas Money card gives you a way to join for free – saving $99.50 on the usual fee.

Qantas Money Credit Card Offer

Qantas Premier Platinum

Receive up to 100,000 bonus qantas points discounted $349 first-year annual fee.

Eligibility criteria, terms and conditions, fees and charges apply

Get premium frequent flyer perks with up to 100,000 bonus Qantas Points, airport lounge passes and overseas travel insurance.

• Earn 70,000 bonus Qantas Points when you spend at least $3,000 on eligible purchases within the first 3 months from card approval and 30,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 12 months.
• $349 annual fee for the first year ($399 p.a. thereafter)
• 0% p.a. on balance transfers for the first 12 months with 2% BT fee
• Minimum credit limit: $6,000 | Purchase rate: 19.99% p.a.

All Qantas Premier Credit Cards earn Qantas Points per $1 on eligible spending – which includes most everyday purchases. They earn points at different rates and also have different annual fees and features.

Qantas Premier Everyday

The Qantas Premier Everyday is an entry-level frequent flyer card with a relatively competitive $99 annual fee.

It has an ongoing earn rate of 0.75 Qantas Points per $1 on domestic purchases up to $3,000 per statement period, and 0.4 Qantas Points per $1 after that. It also offers 1 additional Qantas Point per $1 for eligible spending with Qantas and complimentary travel insurance.

The Qantas Premier Platinum earns 1 Qantas Point per $1 on most eligible spending, with 1 additional point for eligible Qantas spending.

Its perks include complimentary airport lounge invitations and discounted companion fare offers that can save you up to 20% on eligible domestic flights. Outside of promotions, it has a $399 annual fee.

Qantas Premier Titanium

The Qantas Premier Titanium is an exclusive, metal credit card that earns 1.25 Qantas Points per $1 on eligible spending (capped at $12,500 a month for spending in Australia). It also earns 2 additional Qantas Points per $1 on spending with Qantas.

Perks with top-tier credit card include 20% bonus Status Credits on eligible flights, a 10% discount on eligible Qantas flights twice a year, Qantas First Lounge invitations and complimentary travel insurance. It has a $1,200 annual fee.

Qantas Travel Money Card

The Qantas Travel Money Card is a prepaid multi-currency Mastercard. This means you can add your own Australian money to the card, then convert it into one of 10 supported currencies – including US and Canadian dollars, Thai baht, Euros and Great British pounds.

This set-up means you can lock in currency exchange rates and save on foreign transaction fees. You also earn 1.5 Qantas Points for every equivalent AUD$1 spent in a foreign currency and 1 point per $4 spent in AUD.

Free Qantas Frequent Flyer membership offer

If you're not a member of the Qantas Frequent Flyer program, getting a Qantas Money card gives you a way to sign-up without paying the usual $99.50 joining fee.

Qantas Points on your everyday spending

All Qantas Premier Credit Cards earn Qantas Points per $1 on eligible purchases. This covers most everyday spending, including groceries, petrol, dining out, entertainment tickets and travel bookings – with additional points for spending with Qantas.

What transactions don't earn points?

• Bank fees and charges (such as ATM fees)
• Cash advances
• BPAY payments
• Payments to other Citi accounts
• Foreign currency purchases
• Transactions made in operating a business
• Government-related transactions (such as paying the ATO)

Mobile payments

You can add any Qantas Money credit card to Apple Pay and Google Pay and make payments straight from your compatible device.

Qantas Money app

The Qantas Money app lets you manage your cards from anywhere, with features including a quick-view of your balance, the ability to temporarily lock your card and spending insights. You'll also get weekly offers for bonus Qantas Points.

Instalment plans

Statement Instalment Plans give you a way to pay off purchases over a set period of time, with a lower rate than the standard purchase rate on your Qantas Premier credit card. This can make bigger purchases seem more manageable because you'll typically pay the same amount off the instalment each month.

You can apply for a Qantas Premier credit card online in around 10 minutes. But before you apply, you'll need to meet the card's eligibility criteria. These are different for each card, but here's what to look for:

• Income. The Qantas Premier Everyday and Qantas Premier Platinum have a minimum income of $35,000 per year. The Qantas Premier Titanium requires a minimum income of $200,000 per year.
• Residential status. You must be an Australian citizen or permanent resident with an Australian mobile phone number.
• Qantas Frequent Flyer member. This offer is only available to Qantas Frequent Flyer members but you can get a complimentary membership when you apply.
• New customer. You'll need to be a new Qantas Premier credit card customer to get introductory bonus points and other offers.
• Credit history. You must have a good credit rating.
• Age. You must be at least 18 years or older.

Information and documents you need to apply

• Personal information. This includes your name, phone number, email address, residential address and a valid form of ID, such as your driver's licence number.
• Employment. This includes your current job, your employer's contact information or your accountant's details if you're self-employed. You'll also need to provide details of any savings.
• Debts and liabilities. You need to provide information about your ongoing expenses, such as rent or mortgage payments, your weekly food budget, loan repayments and any existing credit card debts.

What happens after you apply?

Qantas Money will send you a confirmation email after you submit your application – it should come within 60 seconds. If your application is approved, you should get your card within 3-5 working days.

Can I withdraw money with a Qantas Premier credit card?

Yes, you can use your Qantas Premier credit card to withdraw cash from most ATMs in Australia and around the world – but it will be processed as a cash advance transaction. This means you'll pay a cash advance fee and be charged interest straight away.

If you're withdrawing money overseas, an international transaction fee will also apply. You can avoid cash advance costs by using the Qantas Travel Money Card, or any debit card or credit card with 0% foreign transaction fees.

What bank does Qantas Money use for its cards?

How do i pay my qantas premier credit card bill.

• BPAY. The Biller Code is 266536 and the Reference is your 16-digit card number.
• Automatic payments. Qantas Money offers Easi-Pay direct debits, with a choice of paying the minimum amount due or the total closing balance.
• Australia Post. Take your Qantas Premier credit card to a Bank@Post outlet and pay with cash, EFTPOS or a cheque.

Your monthly statement will also show full details of your repayment options and the amount owed.

Image: Qantas Money

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

More guides on Finder

The Qantas Premier Titanium credit card boasts a big bonus points offer, a $400 Qantas Luxury Holidays voucher, a competitive earn rate and a bunch of extra perks.

The Qantas Premier Everyday Mastercard is a low-fee credit card that earns Qantas Points as you spend in Australia, overseas and with Qantas.

This card from Qantas Money offers up to 100,000 bonus Qantas Points, discounted first-year annual fee, and plenty of travel perks including insurance and lounge passes.

Ask a Question

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4 Responses

Do you still keep your agreement with balance transfer’s interest-free period if you use the credit card?

Thank you for getting in touch with Finder.

If you’re pertaining to having a credit card with a promotional balance transfer offer and using the credit card for purchases, you may still have the 45 or 55 days interest-free period on your purchases and the balance on BT will still be on its promotional period. You may use ou guide on managing purchases on a balance transfer credit card

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

How many points do I have to redeem for sydney – budapest, business class?

Thanks for reaching out! You can find how many points you need to fly business class from Sydney to Budapes by logging into your Qantas Frequent Flyer account and use their calculator. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

Best, Nikki

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Qantas Travel Money Card Review

While it’s straightforward to obtain foreign currency overseas, a quick trip to an ATM, or a currency exchange bureau, can leave you at the mercy of hidden fees and exchange rates. This is when a travel money card can be your friend. Travel money cards allow you to load up on foreign currency online wherever you are, so you can enjoy your holiday without the worry of sky-high exchange rates and fees.

What is the Qantas Travel Money card?

Qantas Travel Money is a prepaid debit card facility built into the back of the Qantas Frequent Flyer membership card. You can lock in exchange rates on multiple currencies and earn Qantas Points on eligible purchases at home and overseas. However, you must be an Australian resident to use Qantas Travel Money.

What can I use Qantas Money for?

You can use Qantas Travel Money like any other travel money card. Load your card up using Australian dollars via the app or website with your debit/credit card or bank transfer. From there you’re free to spend online or in store, anywhere that Mastercard is accepted.

You can load up to ten foreign currencies onto the Qantas Travel Money card: AED , CAD , EUR , GBP , HKD , JPY ,  SGD , THB and USD . You can also lock in exchange rates on these currencies before you fly, to avoid currency fluctuations.

Foreign currency exchange rates vary from time to time. Cardholders benefit from locked in rates that apply when you make a transaction or incur a fee in a currency loaded on your card.

Travellers should note that although the “Credit” button is used when making a purchase or a withdrawal at an ATM, this card is not a line of credit. The card cannot go into a negative balance.

Compare Travel Money Cards

If you’re a Kiwi and headed off overseas, check out the best in money cards. Here’s a rundown of some of the most popular cards in New Zealand:

The display order does not reflect any ranking or rating by Canstar. This information is not an endorsement by Canstar of travel money cards or any specific provider. Information correct as of 20/09/23. For full pricing details see individual providers’ websites.

Features of qantas cash card.

Please note these features are current at the time of writing. You should check the product provider’s website and product information at the current time.

• Global use: Use the card wherever MasterCard is accepted in over 210 countries and territories. Withdraw cash from millions of ATMs around the world displaying the MasterCard logo.
• Rewards points: Earn Qantas Points on all eligible purchases overseas and in Australia.
• Double dip: Spend with Qantas Frequent Flyer program partners using Qantas Travel Money and you’ll earn Qantas Points for eligible purchases from both the program partner and Qantas Travel Money.
• Online shopping: Shop online at international retailers.
• Security: Chip and PIN protected. Suspend your card if it is lost or stolen. Protected against fraudulent transactions with MasterCard Zero Liability.

Does the Qantas Travel Money card cost to use?

Unlike some prepaid cards, Qantas Travel Money doesn’t charge monthly or annual fees, making your holiday money travel further.

The only fees Qantas charges are an international ATM fee and a small load fee of 0.5% of the total load amount (when using a credit or debit card.

• Initial load fee: $0 (no fee)
• Currency conversion fee: $0 (no fee)
• Reload fee for bank transfers/app: $0 (no fee)
• Debit card load fee: 0.5% of the total load amount
• Transaction fee for purchases: $0 charged by Qantas, but some merchants may charge their own fee
• ATM fee (overseas): NZD 2.50 AED 6.50, USD 1.95, EUR 1.50, GBP 1.25, THD: 70, JPY 160, CAD 2.00, HKD 15.00, SGD 2.50

How do I get the Qantas Travel Money card?

• Order: If you’re already a Qantas Frequent Flyer, simply request a card online. If you aren’t a Frequent Flyer, you’ll need to register before you can apply for a Travel Money card.
• Register: Register your card online upon receiving it.
• Load: Load your card for the first time via online banking or ‘Instant Load’ via the Qantas Money app or website using a debit or credit card.

Where can’t I use Qantas Money?

As a MasterCard product, the Qantas Travel Money card may currently not be used in the following countries and regions due to economic or trade sanctions:

• North Korea

If you attempt to use your card or withdraw cash from an ATM in any of these countries, your request will be declined. New Zealand also imposes its own sanctions from time to time; please check the Ministry of Foreign Affairs and Trade for details on the countries you intend to visit.

Eligibility to apply for Qantas Travel Money card

To apply for the Qantas Travel Money card, you must meet the following criteria:

• At least 16 years old
• An Australian citizen
• Member of Qantas Frequent Flyer program

Written by: Caitlin Bingham | Last updated: November 16, 2023

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Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

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Change my product

Can I still spend on my current credit card whilst my new one arrives?

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Features and rewards

What travel insurance cover is included with my card?

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Where can I use my Qantas Premier credit card?

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My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

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Managing your account

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Cancelling a recurring payment

What is Apple Pay?

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If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

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If I switch devices, do I need to set up my card in Apple Pay all over again?

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How much of my credit card available limit can I access when using Google Pay?

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Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

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Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

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Qantas Pay Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Pay?

Who's eligible for Qantas Pay?

Is Qantas Pay a credit card or a debit card?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Pay?

Apply and activate

How do I sign up for Qantas Pay

How do I activate my Qantas Pay card?

Will a credit check be conducted when I sign up for Qantas Pay?

Can I sign up for Qantas Pay if I have a foreign passport?

How do I use Qantas Pay?

What if the details on the Qantas Pay identity verification form are incorrect?

What if I don’t have an Australian Passport or an Australian Driver’s Licence?

What do I do if I’m unable to sign up for Qantas Pay online?

I’ve forgotten my Qantas Pay card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I set my Qantas Pay card pin?

Is my Qantas Pay card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Pay?

What fees apply to Qantas Pay?

What limits apply to Qantas Pay?

Do fees apply if I don’t have the local currency on my card?

What should I do if my card is expired?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Pay card?

How do I transfer between currencies on the Qantas Pay card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Pay?

When to use

Where can I use Qantas Pay?

Can I use Qantas Pay if the local currency isn’t available?

Can I use my Qantas Pay card at a hotel or on a cruise?

Can Qantas Pay be used for Qantas in-flight duty free purchases?

Can I use Qantas Pay to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Pay?

Can I view my Qantas Pay balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Pay?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Pay Card won’t work?

I’m overseas and my Qantas Pay card isn’t working

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

How long do load transactions take to appear in my account?

Contact Information

Accessibility and Disability Support - Qantas Pay

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Pay card?

Qantas Money App

Update my Qantas Money App

How to update my Qantas Money App?

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Pay Card ​ > ​ ​Managing your account ​>​ Does the card come with Mastercard Contactless?

Yes, Qantas Pay is enabled with Mastercard Contactless, making it the perfect card for everyday purchases#.

Mastercard Contactless is the faster way to pay for purchases under AU$100. You won’t need to key in your card PIN, simply Tap&Go™.

You can also use Mastercard Contactless for purchases over AU$100 but you will need to authorise the transaction with your card PIN.

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