Financial services


All the major Australian banks, plus many others, partner with us to offer our members Qantas Points-earning credit cards*. These partnerships support financial institutions in acquiring new customers, differentiate their products, adding value and driving retention.

Qantas Points-earning credit cards are extremely popular with our members, as they enable them to build up their Qantas Points balance quickly by earning Qantas Points on their everyday spend.

Take a look at our credit card selector to see the financial products available. If you think your financial institution has a product or service that would benefit from becoming a Qantas Frequent Flyer partner, contact us today.

Get in touch


Qantas Money

Qantas Money is the umbrella platform for all Qantas direct financial service products and has been designed to reward Qantas Frequent Flyers.

We know that among the Qantas Frequent Flyer member base there’s a growing group of ‘high buyers’ to complement the ‘high flyers’ and this suite of products gives Frequent Flyers more opportunities to earn Qantas Points on the ground. Qantas Money products include credit cards, a travel money card and the Qantas Money app.


Qantas Premier Credit Card

Qantas Premier Mastercard is the first of its kind by Qantas. Powered by Citi and Mastercard, the credit card comes packed with great travel benefits, and with no cap to the number of points you can earn on eligible purchases, it’s one of the fastest way to earn Qantas Points*.

Apply for a Qantas Premier Credit Card.

Visit the Qantas Money website


Qantas Cash

Our members love or aspire to travel, so it was a logical – though highly innovative – step to evolve the Qantas Frequent Flyer membership card by incorporating a travel money facility into it. The Qantas Cash facility is now a trusted financial services product enjoyed by over half a million Qantas Frequent Flyers.

How Qantas Cash works

Qantas Cash is the Mastercard® prepaid payment facility built into the back of the Qantas Frequent Flyer membership card. It allows members to load up to 11 currencies*, including Australian dollars, and earn Qantas Points on all eligible purchases~ at home and abroad.

Born out of the spirit of travel, Qantas Cash enables cardholders to:

  • Lock in exchange rates on up to 10 currencies before heading overseas+
  • Load Australian dollars and spend in any currency worldwide#
  • Earn 1.5 Qantas Points per AU$1 spent on eligible overseas purchases~
  • Access funds immediately with Instant Load**
  • Take advantage of no monthly account fees and fee-free load options^
  • Spend at millions of Mastercard locations worldwide#

We’d welcome a discussion about how your business might benefit from becoming a Qantas Frequent Flyer program partner, and invite you to connect with us today.

Get in touch
Visit the Qantas Cash website

Important information:
* Card products referred to are not Qantas products and not offered or issued by Qantas but by the relevant Card partners that are the credit providers and credit licensees under the National Consumer Credit laws.
Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238 098 Australian credit licence 238098, is the Credit Provider and Issuer of the Qantas Premier credit card on behalf of Qantas Airways Limited ABN 16 009 661 901.
Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Visit for more information.
* Earn rates: 1.5 Qantas Points per whole AU$1 equivalent on International Spend; 1 Qantas Point per whole AU$1 on Domestic Spend up to and including AU$10,000 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$10,000 each Statement Period; plus 1 Additional Qantas Point per whole AU$1 spent on Qantas Spend. International Spend means any Eligible Transactions made in a currency other than Australian Dollars. Domestic Spend means any Eligible Transactions made in Australian Dollars irrespective of whether or not an international transaction fee was incurred on the transaction. ‘Qantas Spend’ means Selected Qantas products and services’ which means Eligible Transactions made with the following merchants: flights booked directly through and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers; purchases from, and For full terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions at

To be eligible to receive the new Qantas Card with the option of Qantas Cash you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Other terms and conditions and fees and charges may apply. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Cash under arrangements between it, Qantas and Mastercard Prepaid Management Services Australia Pty Limited (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Limited distributes Qantas Cash (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Limited for the purposes of providing general financial product advice with respect to Qantas Cash). Mastercard Prepaid Management Services Australia Pty Limited can be contacted at Mastercard Prepaid Management Services Australia Pty Limited and Qantas earn foreign exchange revenue from Qantas Cash transactions. Mastercard Prepaid Management Services Australia Pty Limited receives a processing fee from domestic Qantas Cash “point of sale” transactions. Qantas receives revenue generated by Qantas Cash transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from Mastercard Asia/Pacific Pte Ltd. This webpage has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the information in this webpage having regard to those matters. A PDS in respect of Qantas Cash is available via, and will also be given to applicants. A person should obtain and consider the PDS before making any decisions about whether to acquire or continue to hold the prepaid facility.
~ Qantas Points are earned on eligible purchases in accordance with the terms and conditions specified at Eligible purchases do not include money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred.
+ Exchange rates for initial loads and subsequent reloads made using Bank Transfer or BPAY via will be set at the prevailing exchange rate set out at at the time you request the load provided you settle the transaction within four hours. Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (ie not via If you initiate a load or reload via Bank Transfer or BPAY using your Unique Payment Details, the exchange rate applied will be the prevailing exchange rate at the time the funds are received into your facility. For more information on how exchange rates are set and applied, please see the PDS.
** Instant Load is available up to a maximum load amount of AU$15,000 or equivalent in foreign currency in any 24-hour period, AU$30,000 or equivalent in foreign currency in any seven-day period, and AU$60,000 or equivalent in foreign currency in any 30-day period. A 1% fee applies to all Instant Load transactions.
^ Other fees and charges apply.
# Qantas Cash is unable to be used for purchases related to gambling or adult entertainment. Although the Mastercard Acceptance Mark may be displayed, Qantas Cash may not operate in some countries and geographical regions, due to restrictions. Currently Qantas Cash cannot be used in the following countries and geographical regions due to sanctions that are currently in place: Crimea, Iran, North Korea, Sudan and Syria. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries and geographical regions, your request will be declined. In addition, ATMs or POS terminals may not be owned or operated by the Issuer or Mastercard Prepaid Management Services Australia Pty Limited and the Issuer and Mastercard Prepaid Management Services Australia Pty Limited are not responsible for ensuring that merchants will accept the Card. For example, the Issuer and Mastercard Prepaid Management Services Limited cannot control when an ATM or POS terminal is due for maintenance or is faulty or if a merchant chooses not to accept the Card. In such cases, your Card may not function properly or may be declined. For more information please see the PDS.