qantas travel wallet

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Qantas travel money, 21/05/2024 • knowledge, information.

Can I earn Qantas Points on travel money?

To earn points on travel money, sign up to Qantas Pay - it's the card that lets you lock in rates on 10 foreign currencies, or load Australian dollars to spend anywhere Mastercard is accepted worldwide. Find out more about Qantas Pay .

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

• fees to load the card – either a percentage of the total or a flat fee
• ATM withdrawal fees
• a cross currency fee or margin when you use the card in a currency you haven't preloaded
• further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

• No loading, reloading, closing or inactivity fees.
• Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
• A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
• Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
• The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

• Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
• Closure fee.
• Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

• Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

• Fee if you make a purchase with currencies not preloaded.
• Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

• Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

• Load fee instore, but free via Travelex website or app.
• Reload fee instore or via BPay, but free via Travelex website or app.
• Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

• Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
• Cash out (closure) fee. 

Travel money card tips

• Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
• Try to load your card with the right currencies and amounts on days with good exchange rates. 
• Make sure you know how to reload your card if you run out of funds while overseas.
• It may be more convenient to choose a card that has an app that can be linked to your bank account.
• Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
• Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
• Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

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Qantas Premier Credit Card

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Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip Cancellation and Amendment

Pre-existing Medical Conditions

Other Questions

Eligibility for Cover under the policy

Overseas Medical Expenses

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What fees apply and when are they charged?

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Managing your account

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Will my replacement card have the same card number and PIN number?

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How do I download my transactions?

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How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

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Where can I use Google Pay?

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Which devices are compatible with Google Pay?

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What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

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Qantas Pay Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

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What is changing for the Qantas Frequent Flyer membership card?

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Does Qantas Pay have a digital card?

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General information

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Does this mean that Qantas is now also a bank?

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What if my PIN is blocked at an ATM or in-store?

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What exchange rate applies to Qantas Pay?

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Do fees apply if I don’t have the local currency on my card?

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What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

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What is a pre-authorisation?

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When to use

Where can I use Qantas Pay?

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Using overseas

Is there anything I need to do before I go overseas?

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Are there any countries where the Qantas Pay Card won’t work?

I’m overseas and my Qantas Pay card isn’t working

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Why would an online transaction be declined if I have enough money to complete the purchase on the card?

How long do load transactions take to appear in my account?

Contact Information

Accessibility and Disability Support - Qantas Pay

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Qantas Money App

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The app doesn’t recognise my fingerprint

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What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

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Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

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What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

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How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

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Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Premier Credit Card ​ > ​ ​Google Pay ​>​ What is Google Pay and Google Wallet?

Google Pay is an easy and secure way to pay using your AndroidTM phone. Once you've completed the setup process, you'll be able to use Google Pay where contactless payments are available, or where the Google Pay logo appears online.

Google Wallet is a digital wallet that allows you to securely store your eligible Qantas Premier credit card on a compatible AndroidTM device. Google Wallet gives you fast, secure access to your eligible Qantas Premier credit card so you can tap to pay everywhere Google Pay is accepted.

For more information visit Google Pay .

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• 4 things to consider when choosing a crypto wallet for 2024

Looking for a new crypto wallet for the new financial year? Here are some things to think about.

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5 Things to Know About the LATAM Credit Card

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

South American carrier LATAM Airlines, in partnership with financial technology company Cardless, offers two co-branded credit cards: the LATAM Airlines Mastercard and LATAM Airlines World Elite Mastercard. Both cards are issued by First Electronic Bank.

For loyal LATAM flyers, the cards earn LATAM Pass Miles on purchases and include other benefits, especially if you opt for the version that charges an annual fee.

Here are five things to know about the LATAM credit cards.

» MORE: What is Cardless, and are its credit cards right for you?

1. There are two LATAM credit cards

The LATAM Airlines World Elite Mastercard has an annual fee, but offers significantly more extras compared to its no-annual-fee counterpart, the LATAM Airlines Mastercard. Here’s how the cards compare (as of this writing):

2. Get a faster path to status

A percentage of your mile earnings will qualify toward LATAM Pass Elite status. With the LATAM Airlines Mastercard, it’s 10% of your earnings. The LATAM Airlines World Elite Mastercard accelerates your path to status with 20% of your earnings qualifying.

LATAM Pass Elite status benefits include premium seat selection, early boarding, seat upgrades and more.

3. Enjoy elevated perks with one of the cards

In exchange for a $99 annual fee, the LATAM Airlines World Elite Mastercard has more to offer:

Two passes per year to LATAM Airlines’ VIP airport lounges.

Two courtesy segments per year where you can apply for cabin upgrades. One courtesy segment is for flights within South America, and the other is for flights outside of South America.

Mastercard World Elite benefits .

4. You won’t pay late fees

The cards charge neither late fees nor a penalty APR , so accidentally missing your due date by a few days won’t cost you. However, don’t miss out on making your payment entirely. Lenders will report late payments to credit bureaus as soon as 30 days after the due date, and this can affect your credit scores .

5. Earn and redeem miles through associated airlines

LATAM isn’t part of any of the major airline alliances , but you can earn and redeem LATAM Pass Miles when traveling on one of LATAM’s associated airlines, which includes Delta Air Lines, Alaska Airlines and a number of air carriers outside of the U.S., such as AeroMexico, Lufthansa, British Airways, Qantas and Iberia. You can earn, but not redeem, miles on Virgin Atlantic flights.

On a similar note...

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Commentary: Ukraine’s daring offensive is humiliating Russia. But to what end?

For most of the year, the Ukrainian army has been in a defensive crouch across the more than 600-mile-long front line. It has been dealing with a Russian opponent whose use of glide bombs, artillery and so-called meat assaults — waves of Russian troops moving toward a position to overwhelm the defenders — has caused problems within the ranks.

Beginning peace talks with Moscow, a subject many Ukrainians viewed as taboo, is now being discussed publicly as a policy option. And while the Russians haven’t picked up swaths of territory like they did in the first few months of the war, their relentless offensive in Donbas over the last several months has forced Ukrainian President Volodymyr Zelenskyy to streamline procedures for mobilizing new men into the army.

The last week, however, has seen the tables turn. Even as the Russians continue to blast Ukrainian positions in the east of the country, at least 1,000 Ukrainian troops have executed a sneak attack across the border into Russia’s Kursk region.

This isn’t the first time the Russians have had to defend small villages along the border with Ukraine. But the current attack is notable because the Ukrainians appeared to have taken Moscow by surprise. The Ukrainians have captured dozens of smaller villages in Kursk, forced Russian authorities to evacuate tens of thousands of people and caused panic in Moscow. At the time of writing, the Ukrainian offensive reached about 20 miles into Russia .

Despite the Russian Defense Ministry claiming that everything is under control, the Ukrainian thrust is another highly public humiliation for a Russian army that was generally viewed as lethal, competent and prepared before the war in Ukraine began.

The situation looks mightily different today. The Russian army is certainly lethal, as Ukrainians can testify to, and yet the sheen has worn off in terms of competence; nobody monitoring the war can argue differently with a straight face. The foibles, screw-ups and mishaps — a failed Russian offensive in Kyiv, an embarrassing withdrawal in Kharkiv, a mercenary coup in Russia that came to within 150 miles away from Moscow, incessant hatred within the Russian army’s lower ranks for their own generals — are too many to cover in a single column.

Even so, what Russians do have is mass. Frankly put, they have more of everything, which is precisely why Moscow has been able to keep this conflict going despite at one point suffering an astounding 70,000 casualties over two months. Whereas the Ukrainians have the motivation and the tactical skill, the Russians have the bodies and lead. And therein lies the main issue for the Ukrainian government: How can it prevail facing an adversary with such materiel advantages?

Kyiv has apparently come to the conclusion that shaking things up and catching Moscow off guard, on its own territory, no less, is one of those ways. Symbolically, the operation is paying off. Not many people are talking about the Russian offensive toward Chasiv Yar and Pokrovsk. The topic of conversation is now about how the Ukrainians have bloodied Russian President Vladimir Putin’s nose yet again.

Even so, it’s important during times like these to go beyond the emotional and focus on the practical. For instance, what is Ukraine actually trying to achieve with this offensive? What are the objectives? And are those objectives worth the costs to other areas of the front, particularly at a time when Ukraine’s new mobilization system is still getting off the ground?

The Ukrainians haven’t been straight about what they hope to achieve by invading Russian territory. Some have suggested that taking the fight directly to the enemy is meant to give the grunts in the trenches a renewed sense of hope after months in which they’ve been bombarded by all manner of Russian ordnance. Others have given a more military-specific rationale for the operation — by creating a new front, the Russian army will have to devote more manpower and resources toward defending its own country, which will decrease pressure on Ukrainian forces on the front line.

Zelenskyy has been vague , merely stating that the offensive is designed to punish the Russian aggressor. Still others have said that Ukraine’s priority is to occupy a sliver of Russian territory over the long term, which would bolster Kyiv’s position at the negotiating table and perhaps convince Putin to minimize his expansionist desires.

Of all the suppositions offered, the last on the list is the most difficult to believe. First, there is no guarantee that Ukraine has the manpower to hold Russian land long enough for Putin to rethink his entire war strategy. The Russians have already dispatched aircraft, tanks and men farther south to drive the Ukrainians out of Kursk, and it’s likely only a matter of time before they do. Taking territory is one thing; holding it is another.

Ukrainian officials are no doubt smiling as they watch their troops hang Ukrainian flags in a few Russian towns, but there’s no disputing the fact that this entire offensive is a huge gamble on their part. Zelenskyy and Ukraine’s top general, Oleksandr Syrskyi, likely hoped Russia would deal with the situation by redeploying some troops from Eastern Ukraine.

But that doesn’t seem to be happening. The pace of Russian attacks on Ukrainian positions in this region has stayed the same. As one Ukrainian press officer told The New York Times this week, “Our guys do not feel any relief.”

Ukraine’s successes on Russian soil today could very well turn into a pyrrhic victory tomorrow.

Daniel DePetris is a fellow at Defense Priorities and a foreign affairs columnist for the Chicago Tribune.

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Sanctions-hit Russia is rushing to set up payment systems, including crypto, to make trading easier

• Russia passed a bill allowing crypto trade payments and is aiming to roll out the digital ruble next July.
• Moscow's tilt to crypto reverses its previous anti-crypto stance.
• Russia is looking to alternative digital asset payment modes due to tightening Western sanctions.

Russia is stepping up sanctions-evading measures to keep its international trade flowing. The country is passing new laws regulating cryptocurrency and a plan for the digital ruble.

On Tuesday, Russia's State Duma — the lower house of Russia's federal assembly — passed a bill that would let businesses use cryptocurrencies in international trade, Reuters reported.

Under this new law, Russia's central bank will create a new "experimental" payments platform. Russian central bank governor Elvira Nabiullina said the first transactions are expected by the end of this year, per Reuters.

Nabiullina also said on Tuesday that the Russian central bank plans a mass introduction of the digital ruble in July next year, per TASS.

Digital currencies, like the digital ruble, are similar to cryptocurrencies but are issued and backed by central banks.

Some Russian businesses are already using crypto

In addition, Russia passed new regulations legalizing crypto mining on Tuesday.

An existing ban on crypto payments in Russia remains, but Moscow's greenlighting crypto for international trade marks a significant shift.

In January 2022 — before the full-scale invasion of Ukraine — Russia's central bank proposed a ban on the use and mining of cryptocurrencies within the country, citing risks to financial stability and monetary policy.

However, the heavily sanctioned country is facing so many issues with international payments that it has been forced to shift its position.

Some Russian businesses are already using cryptocurrencies to trade with settlements done via Hong Kong, but through central Asian intermediaries, Bloomberg reported last week.

Russian President Vladimir Putin himself said earlier this month that Russia had to "seize the moment" to create a legal framework for digital assets, as they are being increasingly used to settle international payments.

Russia's tilt toward crypto isn't unexpected. Analysts have been speculating about how  Russia would eventually move  toward using crypto and digital assets following sweeping sanctions over its invasion of Ukraine.

Increasingly tight Western sanctions hit Russia's international trade

Until recently, Moscow hasn't really had to look into digital currencies that intently — since Russian companies have managed to keep on doing business using non-US dollar currencies, such as the Chinese yuan, or via smaller banks.

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But Russia's international trade is getting ever more difficult.

The troubles started in December when the US authorized secondary sanctions targeting financial institutions that help Russia skirt sanctions.

This prompted global banks from China to the UAE, Turkey, and Austria to reduce transactions — even in non-US dollars — with Russia to avoid getting in the crosshairs.

"This episode demonstrates the global power of the US Treasury, causing banks from Turkey to India and China to pause the processing of payments invoiced by or to Russian counterparties," wrote Christopher Granville, the managing director of global political research at GlobalData TS Lombard, in a May note about digital currencies and dedollarization.

"In other words, simply settling commercial invoices in national currencies rather than US dollars turns out to be an insufficient counter to US sanctions," Granville added.

The payment issues were exacerbated last month when the US Treasury rolled out a new package of expansive US sanctions against Russia, forcing the Moscow Exchange — Russia's key bourse — to halt dollar and euro trade.

Russia could be eying a digital-currency-based settlement system

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Implementation may be easier said than done.

Even China, which has one of the world's most advanced digital currencies, relies on a "two-tier" system involving banks as wallet-holding agents. Granville wrote in May that that setup avoided excessively disrupting the operations of banks, which could threaten broader financial stability.

Watch: Russia is buying back weapons it sold to other countries as its arsenal runs low

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