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Is Qantas Pay a credit card or a debit card?

Qantas Pay is neither a credit or debit card. It is a prepaid MastercardⓇ payment facility.

As a prepaid facility, it needs money to be added to it, which you can do using a debit card, a bank transfer or BPAY. You can then spend with the card conveniently, and easily add more funds when your balance runs low. There are no annual fees or interest charges to pay at the end of the month.

Unlike a credit card, with the Qantas Pay card, you can only spend the funds you have loaded, it doesn’t give you access to a line of credit. With Qantas Pay, you are always in control of what you are able to spend.

Unlike a debit card, it's a separate account from your bank.

The Qantas Pay card offers security features such as the ability to lock your card and Mastercard Zero Liability for protection against fraud.

You can find out more in the Product Disclosure Statement here.

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