Using Your Card Every Day

Do the things you do every day and earn points on your Qantas Cash prepaid card.

You can use the Qantas Card with Qantas Cash for everyday purchases such as petrol and groceries, as well as those not so everyday purchases like a trip around the world. Simply use the card like you would a debit card or credit card, even at the ATM. Just select ‘CREDIT’ and enter your PIN.

Pay bills both on the phone and over the internet, plus it’s safer and more convenient than carrying cash.

Your card also has MasterCard PayPass - the faster way to pay for purchases under $100 where PayPass is accepted. No PIN is required. There are now more participating merchants than ever before, such as grocery, fast food, hardware and convenience stores. Just Tap & Go. For more information, please see our FAQs.

NOTE: 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. 



  • When using your card, you will earn one Qantas Point for every $2 spent in Australian dollars on eligible purchases*
  • If you’re shopping online and purchasing in an international currency, you’ll earn one point per $1 Australian Dollar equivalent of international spend
  • You’ll have access to exclusive offers
  • No flight booking fees on if you book within 7 days of travelling using your Qantas Card with Qantas Cash


  • Use your card in any ATM where MasterCard is accepted
  • Just select 'CREDIT' and enter your PIN
  • No domestic ATM fees charged by Qantas^


  • Use the card in any store where MasterCard is accepted electronically
  • Tap&Go with MasterCard PayPass for quicker purchases under $100 where you see the MasterCard PayPass logo~
  • Chip and PIN secure for your peace of mind
  • Select 'CREDIT' and enter your PIN 
  • Avoid conversion and foreign transaction fees by loading your prepaid card with international currency before you shop onlinex
  • Be protected against fraudulent transactions with MasterCard Zero Liability+
  • Shop and pay for bills online and over the phone





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.

* 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, adult entertainment 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.

^ Some ATM operators may charge their own fee or set their own limits.

~ Qantas Cash is unable to be used for purchases related to gambling or adult entertainment. For more information please see the Product Disclosure Statement.

X Other fees & charges apply. 

Terms and conditions apply. Visit for these.

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