qantas travel cash card

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Your reviews, ask a question, qantas travel money card review.

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
• South Korea

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Qantas Travel Money Card Review

While it’s straightforward to obtain foreign currency overseas, a quick trip to an ATM, or a currency exchange bureau, can leave you at the mercy of hidden fees and exchange rates. This is when a travel money card can be your friend. Travel money cards allow you to load up on foreign currency online wherever you are, so you can enjoy your holiday without the worry of sky-high exchange rates and fees.

What is the Qantas Travel Money card?

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. However, you must be an Australian resident to use Qantas Travel Money.

What can I use Qantas Money for?

You can use Qantas Travel Money like any other travel money card. Load your card up using Australian dollars via the app or website with your debit/credit card or bank transfer. From there you’re free to spend online or in store, anywhere that Mastercard is accepted.

You can load up to ten foreign currencies onto the Qantas Travel Money card: AED , CAD , EUR , GBP , HKD , JPY ,  SGD , THB and USD . You can also lock in exchange rates on these currencies before you fly, to avoid currency fluctuations.

Foreign currency exchange rates vary from time to time. Cardholders benefit from locked in rates that apply when you make a transaction or incur a fee in a currency loaded on your card.

Travellers should note that although the “Credit” button is used when making a purchase or a withdrawal at an ATM, this card is not a line of credit. The card cannot go into a negative balance.

Compare Travel Money Cards

If you’re a Kiwi and headed off overseas, check out the best in money cards. Here’s a rundown of some of the most popular cards in New Zealand:

The display order does not reflect any ranking or rating by Canstar. This information is not an endorsement by Canstar of travel money cards or any specific provider. Information correct as of 20/09/23. For full pricing details see individual providers’ websites.

Features of qantas cash card.

Please note these features are current at the time of writing. You should check the product provider’s website and product information at the current time.

• Global use: Use the card wherever MasterCard is accepted in over 210 countries and territories. Withdraw cash from millions of ATMs around the world displaying the MasterCard logo.
• Rewards points: Earn Qantas Points on all eligible purchases overseas and in Australia.
• Double dip: Spend with Qantas Frequent Flyer program partners using Qantas Travel Money and you’ll earn Qantas Points for eligible purchases from both the program partner and Qantas Travel Money.
• Online shopping: Shop online at international retailers.
• Security: Chip and PIN protected. Suspend your card if it is lost or stolen. Protected against fraudulent transactions with MasterCard Zero Liability.

Does the Qantas Travel Money card cost to use?

Unlike some prepaid cards, Qantas Travel Money doesn’t charge monthly or annual fees, making your holiday money travel further.

The only fees Qantas charges are an international ATM fee and a small load fee of 0.5% of the total load amount (when using a credit or debit card.

• Initial load fee: $0 (no fee)
• Currency conversion fee: $0 (no fee)
• Reload fee for bank transfers/app: $0 (no fee)
• Debit card load fee: 0.5% of the total load amount
• Transaction fee for purchases: $0 charged by Qantas, but some merchants may charge their own fee
• ATM fee (overseas): NZD 2.50 AED 6.50, USD 1.95, EUR 1.50, GBP 1.25, THD: 70, JPY 160, CAD 2.00, HKD 15.00, SGD 2.50

How do I get the Qantas Travel Money card?

• Order: If you’re already a Qantas Frequent Flyer, simply request a card online. If you aren’t a Frequent Flyer, you’ll need to register before you can apply for a Travel Money card.
• Register: Register your card online upon receiving it.
• Load: Load your card for the first time via online banking or ‘Instant Load’ via the Qantas Money app or website using a debit or credit card.

Where can’t I use Qantas Money?

As a MasterCard product, the Qantas Travel Money card may currently not be used in the following countries and regions due to economic or trade sanctions:

• North Korea

If you attempt to use your card or withdraw cash from an ATM in any of these countries, your request will be declined. New Zealand also imposes its own sanctions from time to time; please check the Ministry of Foreign Affairs and Trade for details on the countries you intend to visit.

Eligibility to apply for Qantas Travel Money card

To apply for the Qantas Travel Money card, you must meet the following criteria:

• At least 16 years old
• An Australian citizen
• Member of Qantas Frequent Flyer program

Written by: Caitlin Bingham | Last updated: November 16, 2023

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Qantas Money 4+

Qantas airways limited.

• #54 in Finance
• 4.6 • 20.2K Ratings

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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

20.2K 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

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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

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Help & 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 .

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To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

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How To Apply For A Business Credit Card

Published: Apr 25, 2024, 9:28pm

Table of Contents

What is a business credit card, who can apply for a business credit card, what is a business credit score, what is a ‘good’ business credit score and how can i improve mine, steps for applying for a business credit card, what factors should i consider when applying for a business credit card, frequently asked questions (faqs).

A business credit card can be a valuable tool, helping you cover any cash-flow shortages, and separate personal and business finances, particularly as your business grows.

It can also come with added benefits depending on the type you choose, from extra cards for employees, to the ability to earn points on purchases, which you can exchange for rewards.

With a vast range of business credit cards on offer to Australians, finding and applying for the right card to suit you and the needs of your business can be tricky. We detail how different types of business credit card work and the common eligibility criteria, explain why your business and personal credit scores are important and lay out the steps for applying for a card below.

Related: How To Set Up A Business In Australia

As with personal credit cards , the business variety comes in a range of shapes and sizes to appeal to the vast needs and preferences of business owners. The main types are:

Interest-free period credit cards: You have a set period—usually 51-55 days—during which you pay no interest on purchases. It can help with short-term cash flow, allowing you to cover bills when you haven’t yet received customer payments.

Rewards credit cards : These cards can offer cash back or gift cards, or allow you to earn points on purchases, which can later be redeemed for rewards such as flights, hotel stays and everyday shopping with the lender’s retail partners. They often come with higher annual fees than other types of credit card.

Low-rate credit cards: This type of card best suits those who need to carry a balance from month to month and want to pay a minimal amount in interest. These cards usually come with rewards or perks.

Charge cards: Unlike credit cards, these cards have no pre-set spending limit, but you’ll usually be required to pay the balance in full each statement period. Certain charge cards may offer the option to pay off a portion of the balance, up to a limit, over time instead.

Related: Our Pick Of The Best Credit Card Offers For Australians

Before applying for a business credit card, it’s best to check the eligibility requirements. Criteria can differ depending on the card, and the lender, but generally you will likely need to:

• Be at least 18 years of age
• Be a citizen or permanent resident of Australia
• Be the director of the business
• Have an Australian Business Number (ABN)
• Meet the lender’s stated minimum annual turnover requirement (e.g. $75,000)
• Be registered for goods and services tax (GST)
• Have good credit history with no record of bad debt or payment default.

A lender will assess your business credit card application based on a number of factors, including your business income, business information and credit history. The latter is reflected in a score.

As Patrick Coghlan, the chief executive of CreditorWatch explains: “A business credit score is a number that represents the creditworthiness of a business based on its past payment behaviour—both good and bad.

“It is calculated by assessing the information detailed in a business credit report and typically collated by a credit reporting bureau such as CreditorWatch. Our credit score incorporates data from more than 50 private and public sources, including the ATO, Australian courts and ASIC, to assign a business one of 14 risk ratings, from A1 (very low) to F (default).”

It can be a good idea to check your business credit score with a credit reporting bureau before applying for a credit card. A lender may also consider your personal credit score when assessing your application.

“At CreditorWatch, we would consider any entity rated C2 or above as able to meet its credit commitments,” Coghlan explains.

“A1, A2, A3, we rate as very low risk; B1, B2 as low risk; B3, C1as neutral risk; and C2 as acceptable risk.

“When applying for business credit, particularly for small businesses, many financial institutions will also consider the personal credit history of the applicant.”

If your business credit score is poor, you may want to work on improving it before applying for a credit card.

“One of the best ways to improve your business credit score is to consistently pay your bills and invoices on time. From utility bills and office rent to client and supplier invoices, consistent and timely payments through your business bank account will contribute positively to your business credit score,” says Coghlan.

“Conversely, consistent late payments can result in court action by the creditors and a potentially late payment or default notice lodged against the business. These adverse events can negatively impact a business credit score, making it more difficult to secure business credit.”

The exact process for applying for a business credit card can differ between lenders; however, the following steps commonly apply:

• Identify the type of business credit card you need and your preferred features. Is a traditional credit card that allows you to carry a balance with interest, or a charge card with no pre-set spending limit best? Does my business require travelling? If so, a travel reward card could be beneficial.
• Shop around for a business credit card. One of the easiest ways is to visit lender websites and compare their offerings for the type of card you need. Among the features to check are interest rates, interest-free periods, account fees, other fees and charges for cash advances, foreign transactions, and late repayments, as well as any benefits, perks or rewards.
• Check the relevant eligibility requirements , and ensure that both you and your business meet them.
• Prepare required documentation based on a lender’s requirements. As part of the application you’ll need to submit your personal details such as your home address, driving licence number, and contact number. The lender will also require your business’ details such as the business entity name, ABN, and the details of individuals who own or control 25% or more of its share or voting rights. You’ll have to provide business financial information, and information on your level of tax debt and tax residency details.
• Complete and submit the business credit or charge card application, in-branch, online, or by printing off a form and posting it to the lender. Remember, all information must be accurate and correctly inputted for the lender to approve the application. The lender will assess the borrowing strength of your business by conducting a hard credit check to review your business credit history and the likelihood of you making repayments. As these checks show up on the businesses’ credit report, applying regularly for credit, and lenders rejecting your application, can damage your businesses’ credit score. A lender may also run a credit check to assess your personal credit history, which works in a similar way, with similar implications.

If you apply online, you could be notified of your application status within minutes of submitting it. If successful, you may be able to access your new business credit card account straight away. Ultimately, the speed at which a lender provides a decision depends on whether you meet the eligibility criteria, the time it takes to verify your submitted documents and assessment of your credit history.

You’ll want to think carefully about the amount of credit your business needs, taking into account your monthly business income, everyday expenses and any cash flow shortfalls. A lender may have a maximum credit limit that you can apply for online, but offer a higher amount if you contact it.

You may choose to pay the full balance on your credit card each month, the minimum repayment required or an amount somewhere in between, but remember, paying more keeps the amount you pay in interest low. It’s essential to review a card’s terms and conditions and table of fees, noting the interest rate, fees and charges so you can find a card that best suits your business’ financial situation.

Finally, a business credit card can come with personal liability, where you, as the business owner, are responsible for all the transactions on the account, and the balance owing. Alternatively, several business owners and or directors may be jointly liable, or the business itself, for larger entities.

Should I get a business or personal credit card?

You may want to consider a business credit card over a personal one as it can offer benefits tailored to businesses such as additional cards for employees and  better rewards, more introductory bonus points and better point per dollar earning rates.

You may also be able to apply for a higher credit limit on a business credit card, though whether you will be approved for one will depend on your financial outlook and credit history. Using a business credit card also provides you with the opportunity to build a credit history for your company.

Can I get a balance transfer business credit card?

Yes, there are balance transfer credit cards for businesses. As with personal versions of these cards, they are designed to help you if you’re not clearing your balance on one or more credit card each month, and are paying a high interest rate.

You can consolidate your debt by transferring your balances to the card, which should offer a lower interest rate, helping you save money and improve your business credit score over time.

What is the best business credit card?

The best business credit card is subjective as the needs and financial situations of businesses and their owners vary greatly.

Before comparing cards, you’ll first want to decide the type you need, whether that be a low-rate card, reward card or another. Spending some time comparing your preferred type of card, from various lenders, will help you find the most suitable one for you and your business. The terms and conditions and schedule of fees for each card, will provide you with vital information on interest rates, and interest-free periods, annual fees, cash advance fees, late payment fees and more, if applicable.

If you’ve decided on a reward card with a travel program, you may want to take a look at what our research revealed to be the best business frequent flyer rewards credit cards . Our analysis considered factors such as whether a card offers a welcome points bonus, the point-per-spend ratio, and if the card provides complimentary access to airport lounges.

• Best Credit Cards
• Best Frequent Flyer Credit Cards
• Best Qantas Points Credit Cards
• Best Virgin Velocity Credit Cards
• Best Business Credit Cards
• Best Debit Cards
• Best Credit Card Offers
• What Is A Credit Card
• How Do Credit Cards Work
• List Of Credit Card Companies In Australia
• How To Apply For A Credit Card
• Balance Transfer Credit Cards Explained
• Interest Free Credit Cards
• Rewards Credit Cards
• How Much Are Qantas Points Worth?
• How Much Are Velocity Points Worth?
• What Does ‘APR’ Mean On Loans And Credit Cards?
• How To Transfer Your Credit Card Balance
• What Is A Cash Advance
• How To Use A Mobile Wallet
• How To Crush Your Credit Card Debt
• CommBank Neo Credit Card Review
• American Express Velocity Escape Credit Card Review
• Qantas Points Credit Cards Explained
• NAB StraightUp Credit Card Review

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Our pick of the best credit card offers for australians in april 2024, qantas frequent flyer program changes: here’s what they mean for you, velocity frequent flyer points value: what are they worth, our pick of the best credit cards for australians in 2024, our pick of the best qantas points credit cards for frequent flyers, nab straightup credit card review: pros and cons.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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 ​ > ​ ​When to use ​>​ Where can I use Qantas Travel Money?

You can use Qantas Travel Money at millions of Mastercard locations worldwide, including in store, at ATMs and online#. Or you can use Qantas Travel Money to pay your bills online or over the phone.

You’ll have the additional security and convenience of not having to carry cash, knowing that Mastercard is accepted at millions of locations worldwide.

The Qantas Card with Qantas Travel Money enabled is also great for online shopping and comes with Mastercard Zero® Liability~~ which can protect against fraud and unauthorised charges.

Qantas Travel Money also includes Mastercard Contactless to save time on everyday purchases under AU$100, like petrol and groceries. Where available, a simple tap of your card is all it takes to pay so it’s perfect when you’re in a hurry.

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