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Fees and Charges

Qantas Cash is free to Qantas Frequent Flyer members and, unlike other cash cards, it comes with no load fees, or ongoing account management fees for active accounts*.

To join the program today, visit

Fees and charges are listed below and are subject to variation in accordance with the Terms and Conditions. 

See our table below to compare travel card fees and charges.


Purchase, Load, Reload, Transaction, Cash Out, Card to Card Transfer or Monthly Fee


No fee#

Currency Conversion Fee

No fee^^

International ATM withdrawal fee (outside Australia)


AUD 1.95; USD 1.95; GBP 1.25; EUR 1.50; THB 70;NZD 2.50; SGD 2.50; HKD 15.00; CAD 2.00; JPY 160; AED 6.50.^












For details on currency exchange rates, please see the Product Disclosure Statement

Please note – Qantas do not charge any other fees.



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 Access Prepaid Australia Pty Ltd (AFSL 386837) (a MasterCard business) (Access). Access distributes Qantas Cash (together with Qantas which is an authorised representative of Access for the purposes of providing general financial product advice with respect to Qantas Cash). Access can be contacted at

Access and Qantas earn foreign exchange revenue from Qantas Cash transactions. Access 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.

* Other fees & charges apply

# Note that individual merchants may charge fees for sales using MasterCard® system and Financial Institutions may charge fees for over the counter transactions.

^ Some ATM operators may charge a withdrawal fee. In addition, if relevant a foreign exchange rate may be applied in accordance with clause 7 of the Terms and Conditions.

~ This amount will be applied as a margin in addition to the MasterCard rate in circumstances where funds are withdrawn or used for purchase transactions in a currency which is not supported by Qantas Cash, or where funds are allocated by us from one currency to a different currency as a result of a purchase or withdrawal transaction. Please refer to clauses 7 and 8 of the Terms and Conditions for further information. The MasterCard® rate is the exchange rate determined by MasterCard® to be their wholesale rate or the government mandated rate in effect in the day the transaction is processed by MasterCard®.

^^A foreign exchange rate will apply to foreign exchange transactions in accordance with clause 7 of Part B of the Qantas Cash PDS which can be found here.

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