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Why Qantas Cash?

Qantas Cash has been awarded the maximum five-star rating by CANSTAR, the experts in financial product research. The five-star rating is for outstanding value on a Travel Money Card with no ongoing account fees, no load fees and low withdrawal fees^.

Qantas Cash makes everyday transactions easier and allows you to earn Qantas Points wherever you go*.

Load up to 11 prepaid currencies and use it to pay anywhere that MasterCard® is accepted electronically~, and you’ll earn Qantas Points for every eligible transaction*. It’s a prepaid currency cash card and not a credit card, so you’ll never have to worry about paying interest^.

Lock in exchange rates+ before you travel and manage your travel money online with easy access to your balances to help control your spending, and enjoy the convenience of a single card for your travels. All through a secure system that offers you complete peace of mind.

Did you know you can view balances, transaction history and transfer money online via the Qantas Cash mobile app. Make your life simpler and download the iOS or Android app.  



Nextgen Enabled Card

The new Qantas Card is Q-chip enabled to allow you access to the Faster, Smarter Check-in systems at domestic and trans-Tasman airports. It doubles as your boarding pass so you can skip the queue and enjoy extra time relaxing at the airport before you fly.


To be eligible to receive the new Qantas Card with the option of Qantas Cash you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Other terms and conditions and fees and charges may apply. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Cash under arrangements between it, Qantas and MasterCard Prepaid Management Services Australia Pty Limited (AFSL 386837) (a MasterCard business). MasterCard Prepaid Management Services Australia Pty Limited distributes Qantas Cash (together with Qantas which is an authorised representative of MasterCard Prepaid Management Services Australia Pty Limited for the purposes of providing general financial product advice with respect to Qantas Cash). MasterCard Prepaid Management Services Australia Pty Limited can be contacted at

MasterCard Prepaid Management Services Australia Pty Limited and Qantas earn foreign exchange revenue from Qantas Cash transactions. MasterCard Prepaid Management Services Australia Pty Limited receives a processing fee from domestic Qantas Cash "point of sale" transactions. Qantas receives revenue generated by Qantas Cash transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from MasterCard Asia/Pacific Pte Ltd.

This webpage has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the information in this webpage having regard to those matters. A Product Disclosure Statement in respect of Qantas Cash is available via, and will also be given to applicants. A person should obtain and consider the Product Disclosure Statement before making any decisions about whether to acquire or continue to hold the prepaid facility.

* Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Qantas Points are earned on eligible purchases in accordance with the terms and conditions specified at Eligible purchases do not include money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for points earn, in addition to fees incurred.

Qantas Cash is unable to be used for purchases related to gambling or adult entertainment. Currently Qantas Cash cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan and Syria. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries and geographical regions, your request will be declined. In addition, the ATMs and POS terminals are not owned or operated by the Issuer or MasterCard Prepaid Management Services Australia Pty Limited and the Issuer and MasterCard Prepaid Management Services Australia Pty Limited are not responsible for ensuring that merchants will accept the Card. For example, the Issuer and MasterCard Prepaid Management Services Australia Pty Limited cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Card. In such cases, your Card may not function properly or be declined. For more information please see the Product Disclosure Statement..

^ Other fees & charges apply.

+ Exchange rates for initial loads and subsequent reloads made using Bank Transfer or BPAY via will be set at the prevailing exchange rate set out at at the time you request the load provided you settle the transaction within four hours.  Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (i.e. not via If you initiate a load or reload via Bank Transfer or BPAY using your Unique Payment Details, the exchange rate applied will be the prevailing exchange rate at the time the funds are received into your facility.   For more information on how exchange rates are set and applied, please see the Product Disclosure Statement.

# The currencies supported are detailed here or in the Product Disclosure Statement.

MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.