Qantas Pay Card review
- Initial Load Fee
- $0
- Reload fee
- $0
Summary
This prepaid travel money card offers Qantas Points on all eligible purchases at home and overseas.
The Qantas Pay is a reloadable, prepaid Mastercard that lets you load and lock in exchange rates for up to 10 foreign currencies. This gives you a way to avoid currency conversion fees when you're travelling or shopping online with overseas retailers. The Qantas Pay Card (previously known as Qantas Travel Money Card) is also the only prepaid travel money card that lets you earn Qantas Points as you spend.
Details
Features
| Available Currencies | AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, AED |
| Multiple Currencies on One Card? | Yes |
| Number of Cards Issued | 1 |
| Minimum Load Amount | $50 |
| Maximum Load Amount | $20,000 |
| Maximum Load Amount (Annual) | $100,000 |
| 24 Hour ATM Cash Withdrawal Limit | $3,000 |
| 24 Hour Purchase (POS) Transaction Limit | $15,000 |
Fees
| Card Issue Fee | $0 |
| Initial Load Fee | $0 |
| ATM Withdrawal Fee | 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, AED 6.50 |
| Inactivity Fee (Monthly) | $0 |
| Transaction Fee (for Purchases) | $0 |
| Card Replacement Fee | $0 |
| Currency Conversion Fee | 0% |
| BPAY Reload Fee | $0 |
| Account Closing Fee | $0 |
Restrictions
| Minimum Age | 16 |
| Available to Temporary Residents? | No |
Qantas Pay Card supported currencies
- Australian dollars (AUD)
- United States dollars (USD)
- Great Britain pounds (GBP)
- Euros (EUR)
- Thai baht (THB)
- New Zealand dollars (NZD)
- Singapore dollars (SGD)
- Hong Kong dollars (HKD)
- Canadian dollars (CAD)
- Japanese yen (JPY)
- Emirates dirham (AED)
You can load money onto the card in any of these supported currencies. You can also transfer funds between the currency wallets held on your card.
Exchange rates
Qantas and Mastercard Prepaid determine the foreign exchange rates used on this card, which vary daily. You'll get details of the applicable exchange rate before you load funds or transfer them between currency wallets.
You can also get details of current exchange rates through the Qantas Money app, website or by calling Mastercard Qantas Pay Global Support on 1300 992 700 (Australia) or +61 1300 825 302 (overseas).
Funds loaded via bank transfer or BPAY are loaded in Australian dollars, which is the default currency. You can change your default currency by logging into your account online at Qantas Pay.
Currency wallet order
If you're spending money in a currency that's loaded on your card, those funds will be used first. For example, if you're in the UK and have GBP loaded on your card, the payment would be made in GBP.
If you don't have enough funds in that currency wallet to complete a transaction, your other available balances will be used based on the default currency order. The Qantas Pay Daily Rate is used to convert available currencies into the transaction currency, and is available on the Qantas Money website.
Where can I use my Qantas Pay Card
The Qantas Pay Card can be used around the world, where Mastercard is accepted. This includes in-store, online and at ATMs.
Just keep in mind that some businesses may not accept a Mastercard Prepaid card, including for pre-authorising transactions (such as hotel security deposits). You also you can't use it for manual or offline transactions, unlawful activity, gambling or adult entertainment.
Features of the Qantas Pay Card
- Locked-in exchange rates. You'll get details of the exchange rate before you add funds to this card and can lock it in for the supported foreign currencies. This helps you avoid changes in the exchange rate when you're overseas. It also makes it easier to know how much money you have to spend in each currency.
- Earn Qantas Points. You'll earn 1.5 Qantas Points per AUD$1 on eligible spending in a foreign currency and 1 Qantas Point per AUD$4 spent in Australia. Eligible spending includes most purchases and retail payments. But transactions that don't earn points include money orders, traveller's cheques, foreign currency purchases, gambling chips and ATM withdrawals.
- Earn points twice with partners. If you use the Qantas Pay Card to pay for spending with Qantas partners, you'll earn points once with the merchant and once with the card.
- Worldwide ATM alliance. You can access cash anywhere in the world at any ATM that accepts Mastercard Prepaid.
- Smartphone app. The Qantas Money app gives you a way to manage your account and check details straight from your phone or device. This includes checking your balance and transactions, loading funds, getting your PIN and temporarily locking the card.
- No domestic ATM withdrawal fees. You can withdraw cash at any ATM within Australia without being charged a fee. But keep in mind that some ATM operators may directly impose a separate fee.
How much does the Qantas Pay Card cost?
There's no monthly or annual fee for the Qantas Pay Card but some fees do apply at other times. So, we've covered them here:
| Type of fee | Cost | When you'll be charged |
|---|---|---|
| Purchase fee | $0 | You won't pay a fee when you're issued the card. |
| Reload fee |
| When relevant, these fees apply each time you reload funds on your card after the initial load amount. |
| Currency conversion fee | $0 | When transacting in a currency that is unsupported or insufficiently loaded on your card, no currency conversion fee will be charged, but the Qantas Pay Daily Rate will apply. |
| International withdrawal fee |
| When withdrawing a supported currency from an international ATM, the relevant fee will apply in that currency. When withdrawing an unsupported currency, the AUD$1.95 fee will apply. ATM operators may charge an additional fee. |
| Inactivity fee | $0 | You won't be charged an inactivity fee if you don't use the card after your trip. |
| Closure / Cash out fee | $0 | You won't be charged a fee when you close the card and withdraw remaining funds. |
| Card-to-card transfer fee | $0 | You won't collect a fee when you transfer funds to other Qantas Pay cards. |
How to use the Qantas Pay card
Once you have successfully requested your Qantas Pay Card, here are 3 key steps to use it.
1. Activate the card
After requesting the card, you'll get details of how to set up your account. This includes an identity verification process that's typically done online, but may be done in-person if required.
Your card will be activated once you've set up your account. You'll then need to get your PIN, which you can do by logging in to the Qantas Money website or app, or by calling Mastercard Qantas Pay Card Global Support on 1300 992 700, or +61 1300 825 302 from overseas.
2. Load funds on the card
You can add funds to your Qantas Pay Card online or through the app using BPAY, bank transfers or a debit card.
With BPAY, it takes up to 2-3 business days for the transaction to be processed and funds to be available. With a bank transfer, it takes 1 day. With a debit card, funds are instantly available but there is a 0.5% fee for loading funds via debit card. Note that payments processed after 2pm AEST/AEDT may take longer.
3. Manage your account
You can can check your transaction history and balances, transfer currencies and update you settings at any time by logging in to your account through the Qantas Money app or website.
Alternatively, you can calling Mastercard Qantas Pay Card Global Support on 1300 992 700 in Australia or +61 1300 825 302 from overseas.
What do I do if I return home with foreign currency remaining on the card?
There are no fees for keeping funds on this card. So you could leave them in the foreign currency, convert them to another foreign currency or convert them to Australian dollars to spend domestically.
You can also transfer funds to another Qantas Pay Card through your account.
If you decide to close the account, you can contact Mastercard Qantas Pay Global Support on 1300 992 700 and get the remaining funds deposited in your nominated bank account.
Who do I contact if my card is lost, stolen or damaged?
You can put a temporary lock on your card through the Qantas Money app if it's lost or stolen.
For further security support or to cancel the card due to fraud, contact Mastercard Qantas Pay Card Global Support on 1300 825 302 in Australia or +61 1300 825 302 from overseas.
How to get the Qantas Pay Card
You can request a Qantas Pay Card online through the Qantas Money website.
You'll need to log in to your Qantas Frequent Flyer account and fill in a simple request form.
Are there any eligibility requirements?
You must be more than 16 years old, a Qantas Frequent Flyer member and have a residential address in Australia. You also need to complete an identity check. If this can't be done online, you can get your ID verified at an Australia Post outlet.
Your reviews
Amy Finder
Editor
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Steady
August 14, 2024
Can I load Indonesian rupee to this card?
Thomas Stelzer Finder
September 16, 2024
Hi Steady,
Unfortunately the Qantas Pay card doesn’t support Indonesian rupiah.
Regards,
Tom
Vesna
July 23, 2024
Planning to go overseas shortly but not confirmed as yet. If I load AU dollars onto card and then don’t end up going overseas can I use the card on expenses here in Australia such as e.g. pay my electricity bill????
Sarah Megginson Finder
July 29, 2024
Hi Vesna,
Using this card you can withdraw cash in Australia, where Mastercard cards are accepted. According to Qantas, you can also use Qantas Pay at millions of Mastercard locations worldwide, by selecting Debit/Prepaid Card as your payment method.
Hope this helps!
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Merrily
June 22, 2024
Can I load other currencies other than the ones listed
Sarah Megginson Finder
June 27, 2024
Hi Merrily,
You can’t load these currencies, however if you’re travelling to a destination where Qantas doesn’t offer a locked in rate – such as Indonesia, China or South Africa – you can load and spend Australian dollars on this card. Their daily rate for the currency you’re spending in will apply.
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Tracey
April 07, 2024
Hi
Can you earn QFF points to pay your household bills using the Qantas Travel Money card?
Angus Kidman Finder
September 23, 2024
Hi Tracey, If you use the card for retail purchases in Australia that accept Mastercard, you’ll earn 1 Qantas Point per $4 spent. Note that this is a lower rate than most credit cards which earn Qantas Points – if you’re trying to build a big points total, those might make more sense. Note that some bills won’t allow payment via credit card either.
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David
September 01, 2024
I would like to know if travellers have come back and reported success or otherwise with this Card please. Future travel plans included Europe and London. Just a bit anxious. Thanks