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 qantas.com

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.


Initial load / reload fee

No fee

BPAY® / POLi™ load / reload fee

No fee

POS transaction fee (for purchases in Australia and overseas)

No fee^

Domestic ATM withdrawal fee (in Australia)

No fee+

International ATM withdrawal fee (outside Australia)

AUD 1.95; USD 1.95; GBP 1.25; EUR 1.50; THB 70.00; NZD 2.50; SGD 2.50; HKD 15.00;
CAD 2.00; JPY 160+


Qantas Cash 24/7 Global Assistance

No fee

Cash over the counter fee (the amount depends on the transaction currency)

AUD 10.00; USD 10.00; GBP 6.50; EUR 8.00; THB 360.00; NZD 12.50; SGD 12.50; HKD 80.00; CAD 10.50; JPY 800

Negative balance fee charged when a negative balances arises on your card

AUD 20.00

Monthly Inactivity fee 

No fee**

"Cash out" / unload fee (for Qantas Cash facility funds directly to your bank account on closing your Facility)

No fee

Replacement Card fee (charged if you are issued with a replacement card, including if your existing card is lost, stolen or damaged)

AUD 10.00

Card to Card Transfer Fee

No fee

Paper communication fee (charged when providing paper statements but excluding any communications which are required to be provided in hard copy free of charge)

AUD 5.00 per communication

Currency Conversion Fee (only applies when there are insufficient funds in the local currency on your card to complete a transaction [including where making a withdrawal at an ATM ] or when you transact in a currency which is not available on the card)

3% of transaction value#

* Other fees & charges apply

^ Note that individual merchants may charge fees for sales using MasterCard® system.

+ Some ATM operators may charge their own fee or set their own limits

# Refer to the PDS for details about the currency conversion fee.

** Fee removed March 2014

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 customercare@qantascash.com

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 qantascash.com, 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.

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