qantas travel money card apple wallet

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This prepaid travel money card offers Qantas Points on all eligible purchases at home and overseas.

The Qantas Travel Money Card 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 Travel Money Card (previously known as Qantas Cash) is also the only prepaid travel money card that lets you earn Qantas Points as you spend.

Note: Qantas Travel Money is rebranding as Qantas Pay from May 2024. Existing cardholders can keep using their cards, but applications for new Qantas Pay cards won't be available until 21 May 2024. We'll update this review with fresh details when Qantas Pay launches.

Qantas Travel Money 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 Travel Money Global Support on 1300 825 302 (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 Travel Money.

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.

Default currency order

• AUD Australian Dollars
• USD United States Dollars
• GBP Great British pounds
• THB Thai baht
• NZD New Zealand Dollars
• SGD Singapore Dollars
• HKD Hong Kong Dollars
• CAD Canadian Dollars
• JPY Japanese Yen
• AED United Arab Emirates Dirham

Where can I use my Qantas Travel Money (Qantas Cash) Card

The Qantas Travel Money 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 Travel Money 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, foreign currency purchases, gambling chips and ATM withdrawals.
• Earn points twice with partners. If you use the Qantas Travel Money 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 Travel Money Card cost?

There's no monthly or annual fee for the Qantas Travel Money Card but some fees do apply at other times. So, we've covered them here:

How to use the Qantas Travel Money card

Once you have successfully requested your Qantas Travel Money 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 Travel Money Card Global Support on 1300 825 302, or +61 1300 825 302 from overseas.

2. Load funds on the card

You can add funds to your Qantas Travel Money Card online or through the app using BPAY, bank transfers or a debit card.

With BPAY, it takes up to 2 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 may take longer.

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 Travel Money Card Global Support on 1300 825 302 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 Travel Money Card through your account.

If you decide to close the account, you can contact Mastercard Qantas Travel Money Global Support on 1300 825 302 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 Travel Money Card Global Support on 1300 825 302 in Australia or +61 1300 825 302 from overseas.

How to get the Qantas Travel Money Card

You can request a Qantas Travel Money 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.

• Qantas Travel Money changes FAQ
• Qantas Travel Money Card information PDF
• Qantas Travel Money Card TMD

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February 18, 2024

Should I load Japanese Yen onto my Qantas Money card to use in Japan or is it better to just load AUD and use that

Sarah Megginson Finder

February 20, 2024

Hi Maya, If you load it as AU currency, you may be charged currency conversion fees and international transaction fees, so you’re better off loading Yen.

February 07, 2024

Can you use your Qantas Money card to tap for purchases overseas? Will it work in Egypt?

February 14, 2024

The card works in all countries except in geographical regions currently affected by sanctions. These include Iran, North Korea, Sudan, Syria and the Crimea, Donetsk and Luhansk regions, though Qantas may change and update this list at any time.

You will need to present the card and physically insert or swipe it, so you won’t be able to tap.

Hope this helps!

January 15, 2024

Can I deposit cash to qf money card? If yes how and where I can do it? Any charges for cash loading?

Yes, a charge of 0.5% applies for loading currency.

You can do this online.

Best of luck!

December 21, 2023

Hello Amy, Which of the Travel Money Cards can be linked to your phone for digital payments?

Amy Bradney-George Finder

December 27, 2023

Hi Pete, Thanks for your question. One option is to consider cards that can be added to Apple Pay or Google Pay, such as the Wise Travel Money Card or Revolut travel account. Some cards also offer apps that you can use to pay and/or manage the account. While mobile wallet payments are easy for online shopping, keep in mind that you may need to use a physical card when you’re travelling. So you may want to compare a wider range of travel money cards to find one you want. I hope this helps.

November 19, 2023

I want to know, if I have loaded CAN dollars and used my card for ‘tap’ purchases, such as a coffee ect. Do fees apply?

November 21, 2023

Hi Bel, This card doesn’t charge additional fees for contactless payments. Just keep in mind that there could be other costs, for example if a business applied a fee for card payments. I hope this helps.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

• Debit cards
• Wise Travel Money Card Review
• Revolut travel account review
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Help and Support

Qantas travel money, 27/02/2024 • knowledge, information.

What is Qantas Travel Money?

Qantas Travel Money is a prepaid debit card facility built into the back of the Qantas Frequent Flyer membership card. You can lock in exchange rates on multiple currencies and earn Qantas Points on eligible purchases at home and overseas. You must be an Australian resident to use Qantas Travel Money. Qantas Travel Money is issued by EML Payment Solutions Limited ('EML') (AFSL 404131) (the Issuer). Consider the Product Disclosure Statement (PDF)  and Target Market Determination (PDF) . Conditions apply. Learn more about  Qantas Travel Money .

Was this article helpful?

Other useful articles.

• Calculating the number of Qantas Points needed for Flight Rewards
• Domestic travel on international flights
• Finding my travel credit
• Qantas Customer Care Travel Voucher
• Qantas Travel Insurance Policies

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Adding Qantas Frequent Flyer card to Apple Wallet

Why can't i add my Qantas Frequent Flyer card to Apple Wallet on Iphone X

Posted on Feb 13, 2023 2:26 AM

Posted on Feb 15, 2023 12:56 AM

Hi IpswichIphones

Welcome to the Apple (user-to-user) Community

Re: Why can't i add my Qantas Frequent Flyer card to Apple Wallet on Iphone X

Wondering if you are using the latest iOS version on your iPhone,

Maybe check with Qantas who issued the card to see if they support adding the card in the Wallet app:

Eg: On the website:

https://www.qantas.com/au/en/frequent-flyer/digital-wallet.html?referrer=https%3A%2F%2Fwww.qantas.com%2Fau%2Fen%2Ffrequent-flyer%2Fdigital-wallet.html%23%2F#

"Add your Qantas Frequent Flyer card to your digital wallet.

Follow the simple steps below to set up your membership card on your phone".

(ie: Click the above link.)

All the best :-)

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Feb 15, 2023 12:56 AM in response to IpswichIphones

Feb 17, 2023 5:41 PM in response to brbo

The answers to all of the above are yes and I followed the instructions in the above link, but still get the error. Even had a friend who works at a Genius Bar look at it and he can’t get it to work either.

Feb 17, 2023 9:31 PM in response to SupaJ99

OK ... thank you for trying, and for letting us know.

Just looked at the Qantas site again, and found there's now a QR code to use.

Maybe something has just been updated by Qantas in order to add frequent flyer card to Wallet:

https://www.qantas.com/au/en/frequent-flyer/digital-wallet.html?alt_cam=au:n:n:cm:frequent-flyer:digital_wallet:vanity:n:n:n&referrer=https%3A%2F%2Fwww.qantas.com%2Fau%2Fen%2Ffrequent-flyer%2Fdigital-wallet.html%3Falt_cam%3Dau%3An%3An%3Acm%3Afrequent-flyer%3Adigital_wallet%3Avanity%3An%3An%3An%23%2F#/apple-wallet

Feb 17, 2023 4:33 PM in response to brbo

The instructions don’t work anymore, you get an error message saying safari can’t download the file

Feb 17, 2023 4:47 PM in response to SupaJ99

Wondering if you "accepted" the necessary terms and conditions that make it necessary to use that Quantas info.

Qantas Money 4+

Qantas airways limited.

• #56 in Finance
• 4.6 • 20.1K Ratings

iPhone Screenshots

Description.

Qantas Money is designed to help you track your money on the fly and work in tandem with the Qantas Travel Money card and Qantas Premier credit card. It brings all your accounts together easily and securely, so you'll see how you spend your money by category and can make informed decisions. It also lets you manage your Qantas Travel Money card and Qantas Premier credit card, anytime, wherever you are. See the big picture • Connect your different financial institutions and see them in one place • View credit and debit cards, savings and transaction accounts, shares and loan balances • Enjoy the convenience of a single login • Get your up-to-date balances and transactions at your fingertips • Know where your money's at - any time, all the time, at a glance Get savvy with insights • See your spend organised into categories that reflect your lifestyle • View your total bills, entertainment, shopping, health, food, business and travel • Get instant insights into your spending patterns and identify where to save • Stay fully informed and in control • Make smarter decisions every time Manage your Qantas Premier credit card on the fly • View your balances, transactions, bill payment details, statements and more • Activate your card and change your card PIN • Add your card directly to Apple Pay • Place a temporary lock on a misplaced card or cancel a lost or stolen card Manage your Qantas Travel Money card • View your balances, transactions, statements and more • Check the balance of each currency • View your transaction history • Transfer funds by bank transfer, BPAY and Instant Load - when you need your travel money fast • Transfer of funds between currencies and to other Qantas Travel Money cards • Lock your card if it's lost or stolen Qantas Travel Money conditions apply. Issuer: EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider PDS and TMD. We really care about security • We have advanced processes and systems to protect your information, so you can be sure your data is safe with us. • Your connected accounts are read-only, so your money can't be accessed or moved using this app • Use your fingerprint to log in - with extra authentication when required, to give you peace of mind You'll need your Qantas Frequent Flyer details to log in. Not a Frequent Flyer? You can join for free at https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/QANTASMONEY, saving you the $99.50 joining fee. Any questions? Visit qantasmoney.com

Version 3.32.5

Bug fixes and improvements

Ratings and Reviews

20.1K Ratings

Bell Customer representative did an excellent job

I contacted qantas mastercard to activate my pin bec last friday one cust rep helped me to activate the card but the pin she did not. I went to shop today and i was not able to use it bec my pin is not set up yet. Today I spoke with one cust rep and she said I need to call on Monday so frequent flyer staff can help me. Imagine credit call customer cannot use their card bec a rep cannot help to activate the pin. But I tried to call again and Bell qantas mastercard rep helped and assisted me very well. She helped me to log in to qantas website by resetting my frequent flyer questions. She is very knowledgeable even advice that answers should nver be with spaces which i did not know. Then we went again to wantas money apps and thats where we set up my pin. Bravo… thanks Bell your the best. Keep it up..

Worst banking app I’ve used

UPDATE: I received a developer response from Qantas Money following my review. This is great as it says to me that they are taking customer sentiment and feedback seriously. Since I posted this original review, the app has been performing much better, but there is still some obvious user flow issues where some things break or can’t be accessed. It’s still the worst banking app I’ve used, but I’ve only used about 6 so there could be worse out there. Thanks for the response and look forward to more updates. Upgrades to 2 stars as performance has improved and balance always visible. I’m not really sure how the average ratings for this app are largely positive. This app is quite frankly terrible. The app experiences “technical issues” around 3-4 times a week, where several basic functions don’t work (like your balance, transactions, or statements). When this happens, you basically can’t use the app. The offers section also only works about 10% of the time, though i don’t use that much. What’s more, often the balance is incorrect, and a couple of times the app has even said my card has been cancelled, before correcting itself several hours later. It also asks me to log in to access different parts of the app, even though I’m already logged in. Honestly if I knew how poor this app was compared to the other ones I use, I may not have got this credit card… I’ll know for next time.

Developer Response ,

Hi Van Butsen, we are aware some users are experiencing issues and we have been working to resolve them in an update which is coming soon. If you are still experiencing specific issues, please contact us at 1300 992 700, available 24/7. For Qantas Premier credit cards support, press option 2, and for Qantas Travel Money Support, press option 3.

Qantas Premier Credit Card - great as long as you don’t try to use overseas

I gave up on this credit card as the most frustrating customer service experience I have ever endured. I know - that’s saying something. Every time I tried to use it overseas it would be blocked as a suspicious transaction. After blocking, Qantas Credit Card then SMS you telling you to ring their international number. When you call it, you discover it’s a wrong number. So you google a national phone number and phone them. This costs - remember you are likely to be ringing from your mobile and having to pay exhorbitant global roaming phone and data charges. I was phoning from Guatemala and Belize. When you do get through to a call centre you find its staffed by competent Citibank staff. They generally sympathise and restore the card. Then the very next time I’d go to use it, it would be blocked again. And so the stupidity rolls on. There’s a serious problem with this Card’s risk management leadership and nobody is being held to account for it. I eventually had to complain through the relevant government authority before I could get an apology of sorts from these incompetents. It’s amusing and ironic that Qantas operates a Card that works as long as you don’t use it while travelling.

App Privacy

The developer, Qantas Airways Limited , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy .

Data Linked to You

The following data may be collected and linked to your identity:

• Financial Info
• User Content
• Identifiers
• Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

• Developer Website
• App Support
• Privacy Policy

Get all of your passes, tickets, cards, and more in one place.

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Add a travel card to Apple Wallet

Add a travel card to the Wallet app to pay for public transport using Apple Pay.

To pay for public transport using Apple Pay, you'll need:

A compatible iPhone or Apple Watch. Check with your public transport agency to see which models are supported.

The latest version of iOS and watchOS .

An Apple ID signed in to iCloud 1 .

To be in a location where you can use Apple Pay to pay for public transport .

To add a new travel card, you'll need to have an eligible payment card in the Wallet app.

Add a travel card on your iPhone or Apple Watch

You can add a travel card to the Wallet app on your iPhone or Apple Watch.

How to add a travel card on your iPhone

On your iPhone, open the Wallet app.

Tap Travel Card to add a new travel card or tap Previous Card to add a travel card that you've previously added to the Wallet app.

Choose a travel card from the list, or search by location or card name.

Tap Continue.

Choose an amount to put on the card and tap Add. 2

Follow the onscreen steps to confirm your purchase and add your travel card.

How to add a travel card on your Apple Watch

On your Apple Watch, open the Wallet app.

Scroll down and tap Add Card.

Choose a travel card from the list.

Choose an amount to put on the card and tap Add Money. 2

When you add an eligible travel card, that card may be automatically set to Express Mode . You may also be able to add money to your travel card in the Wallet app.

Travel card use and availability may be limited based on your region. Contact the relevant public transport agency to see if adding travel cards to the Wallet app is supported in your city or region.

Apple Watch devices managed with Family Setup may not be able to add cards directly on the Apple Watch.

Transfer your physical travel card to Apple Wallet

If you have a physical travel card, you may be able to move that card and its current balance to the Wallet app on your iPhone or Apple Watch.

Transfer your physical travel card to your iPhone

Tap Travel Card.

Choose a card from the list or search by location or card name.

Tap Transfer Existing Card.

Enter your card number and other required information. 3

Place your travel card on a flat surface and rest the top of your iPhone on the card until you see Card Added on the screen. This process could take a few minutes to complete.

Transfer your physical travel card to your Apple Watch

On your iPhone, open the Apple Watch app.

In the My Watch tab, tap Wallet & Apple Pay.

Tap Add Card, then tap Travel Card.

If you receive an error, such as No Card Detected or Could Not Add Card:

If your iPhone has a case, take off the case or remove any metal that may come between your iPhone and your physical card.

Make sure the top of your iPhone is resting on your physical card and remains still.

Check with the relevant public transport agency to see if your physical card can be transferred.

After you've transferred your physical card to the Wallet app, your physical card may no longer work.

Use Express Mode with your travel card

By using Express Mode, you can quickly pay for public transport with just a tap. You don't have to wake or unlock your device, or authenticate using Face ID, Touch ID or a passcode.

After you've added an eligible travel card, Express Mode may be enabled for that card by default. Or you can choose an eligible travel or payment card as your Express Mode card.

Find out how to set a transit or payment card to Express Mode .

Transfer your travel card between devices

You can only have a travel card in the Wallet app on one device at a time. To use your travel card on a different device, you can move it from your iPhone to your Apple Watch or from one iPhone to another.

How to transfer your travel card from your iPhone to your Apple Watch

Tap the Add button next to the travel card you want to move.

You can also select Add Card to view a list of previous cards from your other devices.

You can use the Apple Watch app to move the card back to your iPhone when you aren't travelling.

How to transfer your travel card to a new device using Setup Assistant

In Setup Assistant on your new iPhone, tap Wallet.

Select the travel cards you want to transfer from your previous device.

Tap Continue to confirm you want to transfer your travel card to your new device. 4

Your previous device must be nearby and connected to the internet in order to complete the transfer to your new device.

How to transfer your travel card using the Wallet app

Tap Previous Cards and choose your transit card.

Follow the steps on the screen to add your travel card to the new iPhone. 4

How to remove your travel card

Tap your public transport card.

Scroll down and tap Remove this Card. Tap Remove to confirm.

If you sign out of iCloud or turn off Face ID, Touch ID or your passcode on your iPhone or Apple Watch, all credit, debit and travel cards will be removed from that device. When you remove a travel card from any device, the remaining balance will be stored and available to be transferred to the same or another iPhone or Apple Watch that is connected to a network and signed in to iCloud with the same Apple ID.

A Hong Kong-issued Visa, Mastercard or UnionPay card that you use with Apple Pay is required to purchase or top up an Octopus card in the Wallet app. If you have a credit or debit card that isn't issued in Hong Kong, use the Octopus App for Tourists app instead. A China UnionPay credit or debit card is required to purchase or top up a transit card for China mainland.

In Hong Kong, your date of birth and Hong Kong ID are required for personalised Octopus cards and cards with Automatic Add Value Service (AAVS) turned on.

Once transfer is complete, the previous card will remain visible in the Wallet app with an indication that the card can't be used.

Related topics

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Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

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

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

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

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

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?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

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?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Travel Money 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?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time after 21 May?

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

What fees apply to Qantas Pay?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Travel Money?

What is the Qantas Card and Qantas Travel Money all about?

Who's eligible for Qantas Travel Money?

Is Qantas Travel Money a credit card or a debit card?

Why does the Qantas Card have two sides?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Travel Money?

Apply and activate

How do I apply for and activate Qantas Travel Money?

How do i enable the travel money facility on my qantas card, how do i get the qantas card and qantas travel money, if i select to be verified against illion (formerly dun & bradstreet) records will a credit check be conducted, can i apply for and activate qantas travel money if i have a foreign passport, how do i use qantas travel money, what if the details on the qantas travel money identity verification form are incorrect, what if i don’t have an australian passport or an australian driver’s licence, what do i do if i'm unable to activate qantas travel money online, what if i don't want to use qantas travel money.

I’ve forgotten my Qantas Travel Money card PIN, how do I retrieve it?

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

How do I get my card PIN?

Is my card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Travel Money?

What fees apply to Qantas Travel Money?

What limits apply to Qantas Travel Money?

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

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?

How do I cash out remaining funds on the Qantas Travel Money card?

How do I transfer between currencies on the Qantas Travel Money card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Travel Money?

I am a Qantas Club member and have a Qantas Club card. Do I need both cards?

How do I update my local time and time zone?

When to use

Where can I use Qantas Travel Money?

Can I use Qantas Travel Money if the local currency isn’t available?

Can Qantas Travel Money be used for Qantas in-flight duty free purchases?

Can I use Qantas Travel Money to pay for flights at qantas.com?

Using overseas

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

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Travel Money?

Can I view my Qantas Travel Money balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Travel Money?

I’d like to use Qantas Travel Money in the United States - will my card be accepted?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

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

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

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

Contact Information

Accessibility and Disability Support - Qantas Travel Money

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Travel Money Card?

Qantas Money App

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

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?

What kind of notifications can I set up?

How do I receive notifications?

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

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

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 Travel Money Card ​ > ​ ​Apply and activate

To begin, check if your Qantas Frequent Flyer membership card has Qantas Travel Money enabled (flip your card over, it will have a Mastercard® logo on the back if it is enabled). > If you don’t have…

To start using the Qantas Travel Money facility on your Qantas Card, you will need to apply online and complete an identification check at qantasmoney.com Once activated, you can load money fee-free…

If you’re an existing Frequent Flyer member eligible for Qantas Travel Money and haven’t received your new Qantas Card with Qantas Travel Money, you can request one at any time by logging onto your Q…

No, we will not conduct any credit checks as part of our verification process.

Yes, if you have an eligible and valid foreign passport and Australian Medicare card, you can apply to activate Qantas Travel Money by visiting any Australia Post outlet. First you’ll need to apply t…

To get started using Qantas Travel Money, you can apply for and activate your card online at qantastravelmoney.com. We recommend that you keep your Driver’s Licence or Passport handy during this proc…

Log into ‘My Account’ using the password you created during the activation process. This password is still active although your online application was not successful. You’ll be prompted to review the…

If you don’t have an Australian Passport or an Australian Driver’s Licence, you may not be able to apply for and activate Qantas Travel Money online via qantastravelmoney.com If you’re unable to acti…

If you're unable to successfully activate Qantas Travel Money online, you can complete the process by visiting any Australia Post outlet. If you couldn't activate online, a Qantas Travel Money identi…

If you don't want to use Qantas Travel Money, you don’t need to do anything. The Qantas Travel Money facility of the card is inactive when you first receive it. The card can’t be used to make payment…

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Apple Card Review: Extra Rewarding for Apple Fans

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

It's not a game-changer, but the card does offer some intriguing features, including the ability to finance expensive Apple products with an interest-free payment plan.

Rewards rate

Bonus offer

Ongoing APR

APR: 19.24%-29.49%, Variable

Foreign transaction fee

• *Variable APRs for Apple Card range from 19.24% to 29.49% based on creditworthiness. Rates as of February 1, 2024. Existing customers can view their variable APR in the Wallet app or card.apple.com.
• Approval Odds are statements and determinations by NerdWallet and not those of Goldman Sachs Bank USA.
• See if you’re approved for Apple Card with no impact to your credit score.¹
• Created by Apple and built for iPhone. Designed to be private and secure.
• No fees.² No annual fees, foreign transaction fees, late fees, or any other fees.³
• Unlimited Daily Cash back on every purchase, every day. It’s real cash⁴ that never expires or loses value.
• Now, you can automatically grow your Daily Cash when you open a high-yield Savings account.⁵ Savings provided by Goldman Sachs Bank USA. Member FDIC.
• Apple Card Family allows you to share the benefits with anyone you call family.⁶
• Apple-designed, laser-etched titanium card that is accepted all over the world with the Mastercard payment network.
• 3% back on anything you buy from Apple, and at select merchants like Uber, Nike, Walgreens and more when you use Apple Card with Apple Pay.⁷
• 2% back when you use Apple Card with Apple Pay. Apple Pay is accepted at over 85% of retail locations in the U.S.
• Apply in minutes and use it right away.⁸
• ¹²³⁴⁵⁶⁷⁸Select “View Rates and Fees” to see offer, benefit terms, and important disclosures.

No annual fee

High rewards rate

Cash rewards

No bonus offer

Restricted 0% intro APR offer

When Apple announced in 2019 that it was launching a new Apple-branded credit card , some fans may have hoped it would reinvent how we pay for things. But the product's features make it the credit card equivalent of a Red Delicious: bright, shiny and appealing, if somewhat bland once you take a bite.

The $ 0 -annual-fee Apple Card earns 3% cash back on Apple purchases, as well as at a handful of eligible merchants and through select apps, and 2% back on everything else — but only if you make your purchases via Apple Pay on your iPhone. If you use the physical version of the card, which is an option at retailers that don’t accept Apple Pay, you’ll earn only 1% cash back.

As far as rewards rates go, what the Apple Card offers is pretty standard. Still, despite a crowded market of cash-back cards , consumers may be able to find room in their digital wallets for this one, especially for pricey Apple purchases.

The Apple Card is issued by Goldman Sachs and is different from the credit card formerly known as the Barclaycard Visa with Apple Rewards , which stopped accepting applications in late 2020.

» MORE: Apple Card: What's helpful and what's hype

Apple Card : Basics

Card type: Cash back .

Annual fee: $ 0 .

Sign-up bonus: None .

3% cash back on Apple purchases and at select merchants including Nike, Uber, Walgreens and more, when you use the Apple Card with Apple Pay.

2% cash back on all other purchases when you use the Apple Card with Apple Pay.

1% cash back on purchases made with the physical Apple Card .

Redemption options: Rewards are earned in the form of Daily Cash , which can be:

Redeemed for a statement credit.

Sent to Apple Cash for spending or sending to others through the iPhone's Wallet app.

Deposited into Apple Savings , an interest-earning account in Apple Wallet.

Interest rate: The ongoing APR is 19.24%-29.49%, Variable . (However, the card allows you to pay for Apple purchases over time, interest-free, with Apple Card Monthly Installments .)

Foreign transaction fee: None.

Other benefits:

Share an account with others in your household with Apple Card Family .

Higher cash-back rates for Apple Pay purchases

The Apple Card earns a respectable 2% back on purchases made through Apple Pay, and 3% back at participating merchants through Apple Pay.

Here's a quick look at the Apple Card 's rewards categories:

Get preapproved without affecting your credit score

You can see whether you qualify for the Apple Card — and what terms you qualify for, like credit limit and interest rate — without a hard credit pull . If you’re happy with the offer, you can accept it and continue with your card application. At that point, you will be subject to a hard pull, which can temporarily affect your credit scores.

» MORE: Credit cards that offer preapproval without a hard pull

Instant access to rewards

Cash-back rewards, called Daily Cash, are credited daily as the name implies. Daily Cash can be used more or less immediately . Unlike many other rewards cards, you don't need to wait until your billing cycle closes.

You can choose a few ways to redeem your Daily Cash. The default is a statement credit toward your Apple Card balance. You can also opt to spend your rewards by sending them to Apple Cash in your Wallet app. From there, you can pay your Apple Card bill, shop with Apple Pay or send money to someone else. If you’d prefer to stash away your Daily Cash, you can set up an interest-earning Apple Savings account, which is provided by Goldman Sachs, and park your rewards there.

» MORE: Apple Daily Cash: What it is and how it works

Ability to share card account

With Apple Card Family , you share one card account with up to five other people. You can designate a co-owner, who is equally responsible for paying the bills, and authorized users (called "participants"). Account activity is reported to all three major credit bureaus for co-owners, as well as for participants who are 18 or older and opt in to credit reporting. Each member of an Apple Card Family group earns Daily Cash through their purchases and gets to keep the cash back they earn. This is unlike many other authorized user arrangements, where earned rewards go to the primary cardholder.

Pay for Apple purchases over time

When you use your Apple Card in Apple stores, on the Apple website or in the Apple Store app, you can choose to pay over time with Apple Card Monthly Installments . This is an interest-free payment plan, and you’ll still earn 3% Daily Cash back on the total purchase upfront. The monthly installment is added to the minimum payment due on your card.

No late fees

Apple says you won't be charged a penalty rate or a late fee should you miss a payment. The company does, however, note that "late or missed payments will result in additional interest accumulating toward the customer’s balance." Regardless, NerdWallet recommends making payments in full and on time because late payments can hurt your credit scores .

Lower cash-back rate with physical card

The 2% cash back on most purchases matches many of the highest flat-rate cash-back cards on the market. But it comes with a big asterisk, because you must use Apple Pay to get elevated rates. Some major retailers, including Walmart, don’t accept Apple Pay. This is to say nothing of the much smaller merchants where you may run into issues: food trucks, mom-and-pop stores, bodegas and others simply may not be equipped to handle Apple Pay.

That leaves the physical card as your only option. As nicely designed as it is, it earns only 1% back on purchases. That's just not competitive when the industry standard is at least 1.5% .

Limited 3% Daily Cash categories

You may pony up for a new MacBook Pro once every few years, but if your everyday spending doesn’t happen at one of the participating merchants that earn 3% Daily Cash, other cash-back cards may make more sense. Maybe the bulk of your spending is on groceries and gas, but you don’t frequent Exxon stations. The Blue Cash Preferred® Card from American Express earns 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms apply (see rates and fees ). Or perhaps you hit the town regularly? The Capital One SavorOne Cash Rewards Credit Card earns 3% cash back on dining, grocery stores and entertainment, including streaming services, and 1% elsewhere.

Read through Nerdwallet's full list of best credit cards for more options.

Few upfront incentives

Unlike many other cash-back credit cards, the Apple Card doesn't offer a rich sign-up bonus worth hundreds of dollars. Occasionally, the card will feature modest welcome offers, but they're infrequent and unpredictable. Compare that to what you'd get with a competitor like the Wells Fargo Active Cash® Card . It earns 2% back on every purchase, everywhere, no Apple Pay necessary — and it comes with a sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Also, while the card does feature interest-free financing options for multiple Apple-branded devices and accessories, there’s no 0% introductory APR offer on other kinds of purchases. The ongoing APR is 19.24%-29.49%, Variable . This is not an ideal card if you need to carry a balance. A card with a lengthy 0% intro APR offer on all purchases would be a better option.

» MORE: Can I do a balance transfer with an Apple Card?

If you have some Apple product purchases in mind and use Apple Pay frequently at checkout, the Apple Card 's instant access to earned Daily Cash is appealing. But other cash-back cards may be more rewarding, depending on where you shop the most, especially if you don’t use Apple Pay often.

Earn 2% cash back on all purchases without the requirement to use Apple Pay. The card also offers a sign-up bonus and 0% APR promotion for purchases and balance transfers.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

You can apply for the Apple Card through the Wallet app in minutes. If approved, you’ll be shown the card terms you qualify for, including credit limit and APR. If you accept those terms, you can continue with the application process.

Your credit limit is determined by the information you provide in your application. Goldman Sachs, the issuer of the Apple Card, uses your credit score, income, debt obligations and other information when deciding whether to accept your application.

The Apple Card offers a preapproval, meaning you can see if you’d qualify for the card without affecting your credit score. If you accept the offer and proceed with the application, you’ll be subject to a hard credit inquiry, which can temporarily lower your score.

Apple Pay is a payment service you can use to make contactless purchases. You can use Apple Cash, the Apple Card, or any other credit or debit cards with Apple Pay. You must add cards to your Wallet app to use them with Apple Pay.

The Apple Card is a credit card. It can be used with Apple Pay from the Wallet app. You can also use the physical version of the card if a merchant doesn’t accept Apple Pay.

To qualify for the Apple Card, you must be a U.S. citizen or resident who is at least 18 years old. You need an Apple ID associated with an iCloud account. Two-factor identification must be turned on for your Apple ID. From there, your eligibility will be determined based on your credit history and other personal financial information.

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Sara Rathner