Qantas - Qantas Frequent Flyer
Member since 29 Nov 2013
Total posts 437
Hi AusBT community,
Member since 10 Jul 2017
Total posts 86
why wouldnt you use a debit card that doesnt charge fees?
Member since 10 Jul 2018
Total posts 105
Take a look at this article - it might be useful for you.
Member since 03 Nov 2014
Total posts 130
Get a Citibank plus savings account. No fees, good exchange rate. It’s a normal savings account so simply transfer cash in & out via normal bank transfer
Member since 23 Jun 2014
Total posts 7
I have used both Travelex and Qantas travel money in the USA. Generally found Travelex to have slightly better exchange rates. Both easy to set up and use. Didn't have much luck with the free wifi offered by Travelex. Travelex has no ATM fees versus $1.95 fee with Qantas, although I think Qantas has a no ATM fee promotion running currently. This doesn't mean the bank in the USA won't charge you a fee. One thing to take into consideration is that when I went (albeit 2 years ago) I couldn't link up my Travelex or Qantas travel money to Uber. I could link up Travelex to Lyft. Not sure if this has changed since then.
Member since 22 May 2018
Total posts 29
Hi Markpk , you have answered your question in the first line.. cash + Amex card.
The suggestion of Greg84 of getting a Citibank account is one I would investigate.
Debit cards overseas can cause you problems eg car rentals, and in some cities eg Amsterdam attractions and public transport only take credit cards. p.s I know that Amsterdam isn't in the US but I know people who have gone to the USA and a debit card in some situations is basically useless.
Member since 02 Apr 2017
Total posts 167
I’ve always just used my own card overseas and withdrawn from ATMs if I really need cash. A few debit cards don’t charge fees now and it’s not like the fees are generally huge anyway. My Citi card has been great with the exchange rate much better than a travel card.
Jetstar Airways - Qantas Frequent Flyer
Member since 18 Feb 2018
Total posts 32
I use my ING debit card which has (as do all debit cards) a much better exchange rate than all travel money cards, along with no ATM or transaction fees. I also use my debit card to withdraw a small amount of cash when I land in a foreign country, I never exchange cash in Australia. I’ll generally use that system except in countries where it’s mainly a cash economy and more cash is needed and my card is used less - for example Japan.
Member since 14 Jan 2013
Total posts 19
I spend two months per year in the US.
Member since 30 Jul 2018
I concur with a lot of the other replies!
Member since 17 Aug 2012
Total posts 47
Qantas cash exchange rates can average 4-5% worse than the daily exchange rate on your credit card, which is usually an average 3% O/S transaction fee. So unless expecting a massive negative (more than 5%) dip in future exchange rates, I don’t use my QF Cash any more. Now use an Amex, and for cash out and where Amex is not taken a Ubank Ultra debit card which charges the standard Visa daily rate, without any O/S transaction fee. As others have noted there are quite a few other debit cards that do the same thing.
Thanks for the feedback community.
Member since 13 Nov 2018
Total posts 15
USA depends largely on where you go. If you’re in a metro area you can get away with using the Amex almost exclusively (besides tips), if you’re heading out of town... cash is the way to go. Keep in mind: as a tourist or outsider; you are targeted by pickpockets, so cash, rather then atm travel cash card, has its drawbacks.
Member since 25 Nov 2016
Total posts 91
Yes to cash (large bills AUD and USD), travel card (in USD or destination currency) and credit card (you need for hotel room bookings etc. I found it important not to lock yourself into one even two money options when travelling where there can be loss of cards etc, bank outages in Aus or overseas and out of the way destinations that don't have banking access. Debit travel cards linked to your main bank account are easy to use. Bon Voyage
Member since 07 Jan 2017
Total posts 12
28 Degrees MasterCard is the way to go as fees and charges are concerned. It is a credit card (Emergency use) but can be used as a debit card with a credit balance. You also get free global Wi-Fi
Hi Guest, join in the discussion on
Cash vs Travel Money Cards
Already have an ET account? Log in below.
Signing up with Executive Traveller only takes a second and lets you
interact with our community. It's completely free and we'll never pass your information on to
Didn’t receive an activation email? Resend one to yourself here.
If you’ve forgotten your password, simply enter your email address
below, then click 'Submit'. We’ll send you an email to re-activate your account and enter a new password.
If you have not received the activation email, simply enter your email address below, then click 'Submit'. We’ll send you an email containing the activation link.
Subscribe to our free newsletter and get the latest news, reviews, tips and more sent straight to your inbox