Using Your Card Overseas

We’ve made using the Qantas Card with Qantas Cash so easy that it’s destined to become your ultimate go to travel card and companion.

Your Qantas Card acts as a travel money card that is a safe, convenient and accessible way to carry money when you’re overseas. Before you even take off, you can load your card online with 11* currencies, including Australian Dollars making it an ideal card for overseas travel for Qantas Frequent Flyer members. There are no purchase or load fees and you can avoid paying international transaction fees^^.

Our currency exchange rates are competitive and once you’ve loaded a currency on your card, the exchange rate+ used for the initial load of that currency will be locked in, giving you peace of mind knowing exactly how much foreign currency you have to spend. No currency conversion fees apply for purchases and ATM withdrawals made with local currency loaded to your travel card.X

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. 

Points & Rewards

  • Earn one point for every $1 Australian Dollar equivalent spent in foreign currency on eligible purchases#
  • International special offers
  • Access to MasterCard offers through Priceless Sydney and MasterCard Privileges

ATMs & Shopping

  • You can use Qantas Cash anywhere that MasterCard is accepted electronically worldwide~
  • No foreign exchange fees when paying in currencies already loaded on your card^
  • Just select 'CREDIT' and enter your PIN 


  • Safer than carrying cash
  • Chip and PIN security
  • Be protected against fraudulent transactions with MasterCard Zero Liability++
  • Emergency funds for lost and stolen cards up to the value of the available balance on your card



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.

* The currencies supported are detailed on the currencies page or in the Product Disclosure Statement

^^ Some merchants may charge their own fees. Other fees and charges may 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.

X A fee applies where there are insufficient funds in local currency available on the card as a currency conversion is required to complete the transaction.  If you opt to pay in Australian dollars, when you have local currency loaded to your card, a currency conversion fee will also be applied as funds in local currency will be converted to Australian dollars to complete the purchase.

# 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.

^ Other fees & charges apply.

++ Terms and conditions apply. Visit for these.

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