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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 to be loaded first, which you can do using a debit card, a bank transfer or BPAY. You can then spend the funds loaded to the card conveniently, and top up again when the balance runs low. There are no interest fees and no bills to repay 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, Qantas Pay is separate to your bank account.

The Qantas Pay card comes with Mastercard Zero Liability, which means your card is protected against fraud*. 

*Terms and conditions apply. Visit mastercard.com.au for details.

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