Qantas Cash Card

[Limewood]

re: Qantas Cash Card

I'd like to know if the following can be done with the Q Cash Card.

If I put funds into it as AUD I can then use the cash card at say Woolworths for instance and get QFF points for doing so?
I'd also get QFF points on my Woolworths everyday card?
Can it be use to pay tax with too?.

 

[markis10]

re: Qantas Cash Card

I'd like to know if the following can be done with the Q Cash Card.

If I put funds into it as AUD I can then use the cash card at say Woolworths for instance and get QFF points for doing so?
I'd also get QFF points on my Woolworths everyday card?
Can it be use to pay tax with too?.

Put some AUD in and you can use it anywhere that takes mastercard and you will get a point for $2 worth of spend.

 

[rainbowgirl]

re: Qantas Cash Card

I'd like to know if the following can be done with the Q Cash Card.

If I put funds into it as AUD I can then use the cash card at say Woolworths for instance and get QFF points for doing so?
I'd also get QFF points on my Woolworths everyday card?
Can it be use to pay tax with too?.

As far as I know you can use the card instore just like any mastercard. Remember to scan your everyday rewards card first and then pay with the Q Cash card. You won't get as many points as a regular credit card but if you don't have a credit card then any points are a bonus. You'll need to make sure you remember your PIN.

I don't know about the tax question.

 

[QF WP]

re: Qantas Cash Card

I've been using the card since early December, for purchases that I would have used cash (generally up to $15 or $20) - so lunches, visits to Gloria Jeans & Brumbies etc. So I put on $250 initially (which lasted me December) and been loading $100 per upload since.

If this is going to help me collect more points and no more of a hassle than cash, then I'm in. Paywave is fntastic (and even on the larger purchases, I have tremembered the PIN ).

 

[QF WP]

re: Qantas Cash Card

Looks like the last of the bonus points for December have now come through.

I've received the double points for local spending in December.

But not the bonus for loading $250. However, some of the transactions when I spent the $250 did not post until January.

+1 Zero. I posted in the Double/Double thread about 30 mins ago that I got more QF Cash points. I also can't reconcile the number of point given to me for the transactions.

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[samh004]

re: Qantas Cash Card

I'd like to know if the following can be done with the Q Cash Card.

If I put funds into it as AUD I can then use the cash card at say Woolworths for instance and get QFF points for doing so?
I'd also get QFF points on my Woolworths everyday card?

Indeed, I paywave/paypass everywhere I go

It's just like a CC, without the credit.

 

[equus]

re: Qantas Cash Card

I had no pre-authorisation on the card.

You may not know if you did.

Every transaction settled through MasterCard/Visa potentially starts with an authorization (whilst my knowledge is a bit dated, I don't think anything material has changed). Just about all electronic (swipe etc) transactions are now authorised.

The batch settlement processing then matches up the actual transaction, and removes the auth. Sometimes (especially when delays occur, forex conversion is involved, and exchange rates are volatile), the actual transaction amount ends up sufficiently different from the original authorization amount, that they do not match, and the authorization remains until it expires (authorizations eventually expire to allow for this, and for transactions never being processed).

Another source of extra authorizations is the lag involved when terminals (ATM and Eftpos) are processing. If they don't get a response on time, they time out, reverse the attempted transaction, then retry. Timeouts become more common when you are at the end of a long chain (think in Europe, via card scheme, eventually ending up at a minor bank in Aus). Some terminals automatically retry. It is possible for attempted tranaactions to authorize, but the response doesn't arrive until after timeout. If the reversal doesn't work, or gets lost, then "extra" authorizations can end up left against the card until they expire.

Depending on the account type, they may or may not be visible, but they will affect the available funds for other transactions. If you don't check until after they have expired, you can't tell whether or not they were present, other than by inference as to how other transactions behaved.

 

[markis10]

re: Qantas Cash Card

You may not know if you did. .

You would with QF cash, as it shows any transaction whether it was successful or not.

 

[equus]

re: Qantas Cash Card

You would with QF cash, as it shows any transaction whether it was successful or not.

Without knowing exactly the ins and outs of Heritage and MasterCard and Qantas cash (and complicating matters even further), there are also considerations of what actually makes it to the issuing bank (in this case the QF cash account).

I have no knowledge of the arrangements (so this is all hypothetical guessing) but some issuers have stand-in arrangements with intermediaries, and the scheme itself, where certain authorizations are made on behalf of the issuer. These should eventually make it to the issuer, but in the case of timeouts and matched reversals, it is possible that they are never passed on - and so never appear as the issuer never becomes aware of them.

You can even see really strange behavior, where a transaction doesn't work when the issuer (QF cash) doesn't respond in time, and an intermediary stands in and declines because it has a record of a phantom authorization which was never passed on, then an immediate retry works, because this time it is the issuer which responds quicker this time, and it uses an available funds calculation which doesn't include the phantom auth which it knows nothing about.

I doubt anyone will ever know what happened - but things are very much more complicated with a lot more potential for strange behavior than many people would realise.

As before - disclaimer, my direct knowledge is a bit out of date, but in past life I did work on the systems in these areas, and did know the full end to end system fairly well then - and was responsible for the design of some of the processes uses to try and maintain whatever degree of integrity was possible in some of these scenarios. I know nothing about the particular arrangements for QF cash.

 

[markis10]

re: Qantas Cash Card

Without knowing exactly the ins and outs of Heritage and MasterCard and Qantas cash (and complicating matters even further), there are also considerations of what actually makes it to the issuing bank (in this case the QF cash account).

If the authorisation failed to get to the issuer, then it could hardly affect the available balance?

 

[megmcw]

re: Qantas Cash Card

The Virgin one is better as every time you use it within an hour they send you an email with your remaining balance. Have never been notified with Qantas.

 

[Limewood]

re: Qantas Cash Card

Put some AUD in and you can use it anywhere that takes mastercard and you will get a point for $2 worth of spend.

Now I think of it, I'm better off using what i do now use my Plat. Amex get 1.5 per $1 spent plus the everyday card points.

 

[equus]

re: Qantas Cash Card

If the authorisation failed to get to the issuer, then it could hardly affect the available balance?

Not from the issuer, but depending on arrangements for stand in, it may affect the view of the available balance (for a period of time) being used by that intermediary.

This period will be shorter than if the authorization was at the issuer, and then waiting for "expiry". The phantom will disappear from the intermediary the next time the issuer sends an update (usually daily) for available balances - at this time the intermediary discards everything "remembered" and starts with a new accurate position (which allows for things like payments which didn't go through the intermediary in the first place). There are all sorts of complicated convolutions done to make this sort of thing work (like sending real time "credit" authorisations from the issuer when a payment is paid directly into the account, so that the intermediary can use those funds for authorisations immediately if it has to stand in)

With all the permutations and connected systems, there is no wonder that there are a few glitches from time to time.

 

[samh004]

re: Qantas Cash Card

The Virgin one is better as every time you use it within an hour they send you an email with your remaining balance. Have never been notified with Qantas.

That sounds like an interesting feature, but no bank account or CC I've ever used has done that and it wouldn't make me choose a card over another. Not hard to login into my account via a browser or the app for instance

 

[Zero]

re: Qantas Cash Card

I also can't reconcile the number of point given to me for the transactions.

Do you mean with the dollar amounts, or the double points? Qcash appears to round up, and the double points were for December, but the base points are awarded (apparently) on the day of each month that you activated the card

AFAICS, it only makes sense to use Qcash domestically if there is a bonus, or you have no other card, or if you have no Mastercard and merchant surcharges for Amex, or if you have no Mastercard with paywave and you want to use that, or if paying below $1 and merchant will take card

 

[hossein_au]

re: Qantas Cash Card

If the authorisation failed to get to the issuer, then it could hardly affect the available balance?

The fact is, at the time of the transactions, there were enough Euros in there even if the charges were doubled up (pre-authorisation plus the actual charge). If should NOT have been charged as an A$ transaction.

 

[QF WP]

re: Qantas Cash Card

My best use was today - had a meeting today with the QF Qld Regional GM and it was my shout - so I paid with my QF Cash. He was delighted with the take up and interested to hear some of the comments from this thread about usage. He uses it as well

 

[samh004]

re: Qantas Cash Card

My best use was today - had a meeting today with the QF Qld Regional GM and it was my shout - so I paid with my QF Cash. He was delighted with the take up and interested to hear some of the comments from this thread about usage. He uses it as well

Will he be coming to the AGM again?

 

[QF WP]

re: Qantas Cash Card

Yes, he's our Host.

 

[misswright]

re: Qantas Cash Card

Has anyone used the card for tax transactions?
Obviously being a prepaid card makes the whole deduction of the surcharge easier to justify

I would be interested to find out if you still earn the full points with ATO payments