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Does this mean that Qantas is now also a bank?

No, Qantas is not a bank. Heritage Bank Limited (AFSL 240984) (the Issuer) is an authorised deposit-taking institution holding an authority to carry on banking business in Australia, and issues Qantas Travel Money under arrangements between it, Qantas and Mastercard Prepaid Management Services Australia Pty Ltd (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Ltd distributes Qantas Travel Money (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services for the purpose of providing general financial product advice with respect to Qantas Travel Money). Please refer to the Product Disclosure Statement for more information.

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