Travel Money Card Award Australia Finalisation · Travel Money Card Award Australia 4. Methodology...
Transcript of Travel Money Card Award Australia Finalisation · Travel Money Card Award Australia 4. Methodology...
Date: 02//06/2017
Prepared by: Aleks Milosev – Graduate Research Analyst
Travel Money Card
Award
Australia
Finalisation
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Contents 1. Project Personnel ................................................................................. 3
2. Providers and Products ........................................................................... 3
3. Approved Logo for external use ................................................................. 4
4. Methodology ....................................................................................... 5
4.1 Eligibility Requirements ................................................................... 5
4.2 Profiles ....................................................................................... 5
4.3 Methodology Tree .......................................................................... 6
4.4 Price Score ................................................................................... 7
4.4.1 Travel Cost Scenario .................................................................... 8
4.5 Feature Score ............................................................................... 9
5. Summary of changes ............................................................................. 10
6. Model Updates and Upgrades ................................................................... 10
7. Release Requirements ........................................................................... 10
8. Project Timeline ................................................................................. 10
9. Summary of Results .............................................................................. 11
9.1 US Dollar ....................................................................................... 11
9.2 Euro ............................................................................................. 15
9.3 NZ Dollar ....................................................................................... 16
9.4 Pound Sterling ................................................................................. 17
9.5 Thai Baht....................................................................................... 17
9.6 Japanese Yen .................................................................................. 19
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1. Project Personnel
The following persons are assigned to the delivery of this rating/award:
Department Title Person/s
Research Research Analyst Aleks Milosev
Research Senior Research Analyst James Slack
Product Data Product Data Analyst Rafaela Spelta/Jen Anderson
2. Providers and Products
Company Product
Aust
ralian D
ollar
Bri
tish
Pound
Canadia
n D
ollars
Chin
ese
Renm
inbi
Em
irati
Dir
ham
Euro
s
Hong K
ong D
ollar
Japanese
Yen
New
Zeala
nd D
ollar
Sin
gapore
Dollar
South
Afr
ican R
and
Thai Bhat
US D
ollar
Vie
tnam
ese
Dong
ANZ Travel Card Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
Australia Post Cash Passport Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
Australia Post Load&Go Travel Card Yes Yes No No No Yes No No Yes No No No Yes No
Commonwealth Bank Travel Money Card Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
MasterCard Cash Passport Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
NAB Traveller Card Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
QANTAS Qantas Cash Yes Yes Yes No Yes Yes Yes Yes Yes Yes No Yes Yes No
St.George Bank Global Currency Card Yes Yes Yes No No Yes Yes Yes Yes Yes Yes Yes Yes No
Suncorp Bank Cash Passport Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
Travel Money Oz Key To The World Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
Travelex Cash Passport Yes Yes Yes No No Yes Yes Yes Yes Yes No Yes Yes No
Velocity Frequent Flyer Velocity Global Wallet Yes Yes Yes No No Yes Yes Yes Yes Yes Yes Yes Yes No
Westpac Global Currency Card Yes Yes Yes No No Yes Yes Yes Yes Yes Yes Yes Yes No
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3. Approved Logo for external use
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4. Methodology
A Travel Money Card is a product that allows you to preload the currency of your choice to meet
your travel expenses while overseas. You can lock in the exchange rate when you purchase and load
the card, or at a later date.
4.1 Eligibility Requirements
To be eligible for consideration in the CANSTAR Star Ratings, each product must:
Have the ability to store multiple foreign currencies on one card.
Allow you to lock in an exchange rate before travel.
Allow you to use your own funds – no credit or borrowing is allowed.
Provide an up-to-date exchange rate on its website.
4.2 Profiles Travel Money Card
Based on a weighted basket of 6 currencies.
All 6 currencies must be supported for a product to be eligible
Currency USD NZD EUR GBP THB JPY
Weight 30%
(-5%)
20%
(-5%)
20%
(-5%)
15%
(-10%) 10% 5%
The weightings proposed take into account the number of short term movements, as well as the
wider spread use of the USD compared to other countries.
Short Term Movements - Resident Departures
Country Number of Movements % of Total Movements
Japan 43,900 7.31%
Thailand 48,900 8.15%
UK, CIs & IOM 70,800 11.79%
United States of America 101,000 16.82%
Europe 151,000 25.15%
New Zealand 184,700 30.77%
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4.3 Methodology Tree
To arrive at the total score CANSTAR, applies a weight against a Pricing and Feature Score. The
total score for each travel money card is weighted 70% towards Price and 30% towards Features.
Pricing
70%
Features Based on 10 categories
30%
Non-Native
Transaction Cost 10%
Travel Cost
Scenarios 90%
Multiple
Currencies
Total Score = Pricing Score + Feature Score
USD 30%
NZD 20%
EUR 20%
GBP 15%
THB 10%
JPY 5%
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4.4 Price Score
There are many different fee structures in the Travel Money Card market. Some providers charge
for ATM withdrawals in foreign countries and others do not. There are products where the initial
load is free but subsequent reloads are not, and some where there are almost no fees at all. When
exchanging many thousands of dollars into a foreign currency, in many cases, the exchange rate
applied to the purchase is the largest part of the overall cost of the transaction, even though few
or no direct fees are being charged to the customer.
To find the overall cost of taking a Travel Money Card on an overseas trip, CANSTAR has designed a
scenario that includes the fees for loading, reloading, and using the card overseas, as well as
calculating how much will be available to spend in the purchased foreign currency.
These costs are benchmarked against a hypothetical cheapest product in the market – one with no
load, reload, ATM, POS, or closure fees, with the best average exchange rate observed during our
survey period of four weeks.
Travel Cost Scenarios
The Net Travel Cost of each card is calculated in nine different currencies.
For the overall Travel Money Card Award, a weighted score based on these nine currencies is
calculated based on the net cost in each currency.
The exchange rates used are taken from provider’s websites twice a week, for four weeks.
Non-native transaction cost
The second component of the Pricing Score is the non-native transaction cost. This is a fee payable
where there are insufficient funds available in the local currency, or the card is used for a purchase
in a currency that is not supported. The product with the lowest fee in the market will receive the
highest score, which is then added onto the Travel Cost Scenario Score to arrive at the total Pricing
Score.
Pricing
70%
Non-Native
Transaction Cost 10%
Travel Cost
Scenarios 90%
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4.4.1 Travel Cost Scenario
The Net Travel Cost of each card is calculated in five different currencies.
CANSTAR firstly considers how much foreign currency will be available to the cardholder for
spending on their trip, after fees for loading and using the card are subtracted.
Net Foreign Currency Available To Spend
Converted To Foreign
Currency At The
Card’s Exchange Rate
Total loaded amount of $5000
minus initial loading cost for $3,500
minus reload cost for $1,500
minus cost of 10 foreign ATM withdrawals (conv. to AUD where applicable)
minus cost of 10 point-of-sale transactions (conv. to AUD where applicable)
minus closure fee and/or refund fee.
plus the dollar value of reward points earned*
This is compared to a hypothetical product that has no fees, and an exchange rate equal to the
best average rate observed in the travel money card market during our survey period. This is known
as the Benchmark Net Foreign Currency.
The net cost of using each travel money card is then calculated:
Net Travel Cost = Benchmark Net Foreign Currency – Product Net Foreign Currency
*QANTAS Cash offers 1.5^ point per $1 spent on overseas POS transactions.
Velocity Global Wallet offers 1 point per $1 spend on overseas POS transactions.
As per CANSTAR credit cards methodology, is based on domestic flights.
^From 1st May 2017
Reward Points
CANSTAR considers that Travel Money Cards by certain providers offer the ability to earn reward
points. The points will be earned on the spend basis outlined below for each of the currencies
CANSTAR takes into consideration.
Country POS Spend ATM Spend
NZD
50% of Total Loaded Amount 50% of Total Loaded Amount
USD
EUR
GBP
THB
JPY
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4.5 Feature Score Travelex has provided feedback on new features added to their product:
• No International ATM Fees
• Contactless
• Free Global WiFi (provided by Bongo)
• Global Emergency Assistance is still a feature of the card, but we also enhancing the
product with Travel Assistance for our customers
What is Travel Assistance?
The Travelex Money Card provides you piece of mind with access to worldwide travel assistance
before your trip, during your trip and even when you return
• Pre-departure information
• Passport and visa requirements
• Travel advisories and customs information
• Embassy referrals
• Interpretation assistance
• Lost luggage assistance –status updates
• Medical referrals & arrangement of medical appointments
• General information on local customs and business etiquette
• Information on national holidays and business trading hours
• Airport sales tax refund information and VAT regulations
• Emergency services referrals
Proposal: Include new tag for free global WiFi available
Currently we capture contactless capabilities, international fees and emergency services related to card
service
Feature Category Weights Examples Of Data Captured
Terms And Conditions 40%
Terms & Conditions 40% Ability to lock exchange rate , Inclusion of back-up card, Emergency card replacement, Emergency fund access
Currencies Available 20% Single/Multiple currency card, Maximum number of currencies at a time in the card, currencies available
Dispute Resolution 20% Maximum time for disputes to be resolved, method of disputing transactions, average dispute resolution time, authorisation holds.
Fees 10% Fees for card closure, Replacement card fee
Limits 10% Maximum number of cards a single person can hold, maximum amount you can load/reload, maximum ATM withdrawal
Accessibility And Security 60%
Account Facility 30% Purchase the card online, Access the account online, View transactions online
Reload 25% Ability to reload the card, Reload using BPAY, Reload at time of purchase
Convenience 25% Ability to use the card for online purchases, ATMS and POS, Access to free WiFi providers networks
Security 10% Chip & PIN protected, Signature panel on the reverse, Not linked to personal bank account
Distribution Outlet 10% Ability to purchase through credit unions, travel agents
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5. Summary of changes
Proposal or Feedback Page No. Action Taken
6. Model Updates and Upgrades
7. Release Requirements
Crystal Reports
CSV Upload
8. Project Timeline
Task Scheduled Date Actual Date
Kick-off Meeting 03/03/2017 03/03/2017
Audits Release Date 24/03/2017 28/03/2017
Data Handover Date 05/05/2017 12/05/2017
Finalisation Date 02/06/2017 05/06/2017
Release Date 23/06/2017
9. Summary of Results
With the introduction of a new product, the Travelex Money Card, Travelex has maintained a 5-Star rating, with improvements in pricing
and the second-best in Feature score (behind Travel Money Oz Key To The World).
The key factor contributing to this result is the better feature score for Travelex as compared to Qantas.
Table 1. Overall Travel Money Card Star Rating
Rank ΔRank Company Product Price ΔPrice Feature ΔFeature Total ΔTotal Star Rating ΔSR
1 2 Travelex Travelex Money Card 68.68 7.12 29.19 1.53 97.87 8.65 5 1#
2 3 QANTAS Qantas Cash 70.00 21.77 26.98 -0.66 96.98 21.11 5* 1
3 5 Velocity Frequent Flyer Velocity Global Wallet 61.82 22.75 25.37 -0.52 87.18 22.22 5* 1
4 2 ANZ Travel Card 53.39 8.22 25.16 0.88 78.55 9.09 4* -
5 -4 NAB Traveller Card 50.75 -13.88 25.38 -0.20 76.13 -14.08 4* -2
6 3 St.George Bank Global Currency Card 42.70 6.68 27.08 -0.64 69.78 6.04 4* -
7 - Westpac Global Currency Card 31.54 -5.78 27.79 0.08 59.33 -5.71 3 -
8 -4 Commonwealth Bank Travel Money Card 29.49 -24.49 28.64 0.02 58.13 -24.46 3 -
9 1 Travel Money Oz Key To The World 20.68 -5.08 30.00 - 50.68 -5.08 3 1
10 1 MasterCard Cash Passport 22.74 -1.94 26.69 0.28 49.43 -1.66 3* -
11 Australia Post Cash Passport 14.58 27.70 42.29 2
12 - Suncorp Bank Cash Passport 11.34 -7.54 27.77 0.11 39.11 -7.43 2* - #Travelex received a 5-Star rating in 2016 for their Cash Passport.
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Price Score
Since 2016, Travelex have removed the cash over counter charge of $10, the initial load cost, and reload cost (now only charging an initial
load cost only in AUD—the greater of 1.1% of the initial load or $15).
Travelex have sustained a competitive rate over numerous currencies (as seen in Table 2), having the most competitive exchange rate for
USD, GBP, EUR, NZD and JPY, coupled with less fees, making it value-for-money.
Qantas has the better pricing score primarily due to the rewards benefit with Qantas Cash, with 1.5 Qantas points earnt for ever AUD spent
overseas and an average redemption rate of 0.010457019 (calculated by average across all destinations).
Table 2. Average exchange rate obtained through 10 measurements from 03/04/2017 to 05/05/2017
USD GBP EUR NZD THB JPY
ANZ Travel Card 0.7201 0.5660 0.6650 1.0438 24.7346 79.4090
Australia Post Load&Go Travel Card 0.7184 0.5639 0.6615 1.0286 - -
Australia Post Cash Passport 0.7132 0.5563 0.6519 1.0194 23.7887 77.9209
Commonwealth Bank Travel Money Card 0.7118 0.5597 0.6589 1.0313 24.2100 78.0600
MasterCard Cash Passport 0.7163 0.5591 0.6573 1.0248 23.8567 78.1187
NAB Traveller Card 0.7181 0.5618 0.6593 1.0306 23.8374 77.9833
QANTAS Qantas Cash 0.7197 0.5631 0.6629 1.0314 24.2228 78.3953
St.George Bank Global Currency Card 0.7193 0.5618 0.6616 1.0267 24.4142 78.7350
Suncorp Bank Cash Passport 0.7088 0.5535 0.6475 1.0198 23.8567 76.6228
Travel Money Oz Key To The World 0.7149 0.5577 0.6577 1.0253 24.3013 78.1312
Travelex Travelex Money Card 0.7308 0.5689 0.6691 1.0440 24.6391 80.0682
Velocity Frequent Flyer Velocity Global Wallet 0.7194 0.5618 0.6618 1.0268 24.4210 78.7394
Westpac Global Currency Card 0.7103 0.5592 0.6578 1.0306 24.4420 78.4070
Average exchange rate: 0.7170 0.5610 0.6594 1.0295 24.2270 78.3826
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Feature Score
As mentioned above, Travelex is rated better compared to Qantas in feature score, predominately due to the accessibility of
purchasing/reloading in branches, outlets, or, third party networks.
Table 3. Feature Score Comparison
1 2 3 4 5 6 7 8 9 10 11 12
Travel Money
Oz Travelex
Commonwealth Bank
Westpac Suncorp
Bank Australia
Post St.George
Bank QANTAS MasterCard NAB
Velocity Frequent
Flyer ANZ
Features 30.00 29.19 28.64 27.79 27.77 27.70 27.08 26.98 26.69 25.38 25.37 25.16
Accessibility and Security 60.00 56.58 55.86 55.55 51.44 52.27 53.20 49.94 49.47 46.98 49.28 45.86
Account Facility 26.00 24.67 30.00 28.67 26.00 24.67 28.67 28.67 23.33 22.00 28.67 16.67
Convenience 23.91 21.74 18.48 20.65 18.48 18.48 20.65 23.91 21.74 20.65 23.91 25.00
Distribution Outlet 8.95 10.00 6.84 4.74 6.32 8.95 4.74 4.74 6.32 2.63 4.21 6.84
Reload 25.00 23.53 22.06 24.26 22.06 22.06 20.59 11.76 18.38 20.59 10.29 13.24
Security 10.00 8.57 10.00 8.57 7.62 7.62 8.57 9.05 7.62 7.62 10.00 10.00
Terms 38.80 39.54 38.47 35.98 40.00 38.96 35.98 38.92 38.41 36.61 34.27 37.00
Currencies Available 17.46 17.46 20.00 17.46 17.46 17.46 17.46 18.73 17.46 17.46 18.73 17.46
Dispute Resolution 16.67 20.00 20.00 15.00 20.00 20.00 15.00 20.00 20.00 11.67 11.67 20.00
Fees 4.86 6.86 8.00 10.00 4.29 3.71 10.00 8.00 4.29 8.00 7.71 8.00
Limits 10.00 10.00 9.33 7.33 10.00 10.00 7.33 8.00 10.00 8.67 8.67 6.67
Terms and Conditions 40.00 36.36 30.91 32.73 40.00 38.18 32.73 34.55 36.36 38.18 31.82 32.73
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9.1 Tables & Charts 9.1.1 US Dollar
Company Product Load Amount Initial Load Cost Reload Amount Reload Cost ATM Cost POS Cost Fee Close Rewards Total Value
Travelex Travelex Money Card 2557.83 0.00 1096.21 0.00 0.00 0.00 -7.31 0.00 3646.74
QANTAS Qantas Cash 2518.99 0.00 1079.57 0.00 -19.50 0.00 0.00 39.21 3618.26
Velocity Frequent Flyer Velocity Global Wallet 2518.01 0.00 1079.15 0.00 -19.50 0.00 0.00 28.50 3606.15
NAB Traveller Card 2513.31 0.00 1077.13 0.00 0.00 0.00 0.00 0.00 3590.44
St.George Bank Global Currency Card 2517.69 0.00 1079.01 0.00 -20.00 0.00 0.00 0.00 3576.70
ANZ Travel Card 2520.32 -7.92 1080.14 0.00 -25.00 0.00 0.00 0.00 3567.53
Australia Post Load&Go Travel Card 2514.23 0.00 1077.53 0.00 -20.00 0.00 -10.78 0.00 3560.97
Australia Post Cash Passport 2496.13 0.00 1069.77 -8.57 0.00 0.00 -7.13 0.00 3550.20
MasterCard Cash Passport 2506.91 0.00 1074.39 0.00 -25.00 0.00 -7.16 0.00 3549.14
Travel Money Oz Key To The World 2502.15 0.00 1072.35 -7.15 -25.00 0.00 0.00 0.00 3542.35
Commonwealth Bank Travel Money Card 2491.44 0.00 1067.76 0.00 -25.00 0.00 0.00 0.00 3534.20
Westpac Global Currency Card 2486.16 0.00 1065.50 0.00 -20.00 0.00 0.00 0.00 3531.65
Suncorp Bank Cash Passport 2480.62 0.00 1063.12 0.00 -25.00 0.00 -7.09 0.00 3511.66
0.6925
0.6975
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USD ANZ - Travel Card
Australia Post - Load&Go Travel Card
Australia Post - Cash Passport
Commonwealth Bank - Travel Money Card
MasterCard - Cash Passport
NAB - Traveller Card
QANTAS - Qantas Cash
St.George Bank - Global Currency Card
Suncorp Bank - Cash Passport
Travel Money Oz - Key To The World
Travelex - Travelex Money Card
Velocity Frequent Flyer - Velocity Global Wallet
Westpac - Global Currency Card
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9.1.2 Euro
Company Product Load Amount Initial Load Cost Reload Amount Reload Cost ATM Cost POS Cost Fee Close Rewards Total Value
QANTAS Qantas Cash 2320.15 0.00 994.35 0.00 -15.00 0.00 0.00 39.21 3338.71
Travelex Travelex Money Card 2341.68 0.00 1003.58 0.00 0.00 0.00 -6.69 0.00 3338.56
Velocity Frequent Flyer Velocity Global Wallet 2316.16 0.00 992.64 0.00 -15.00 0.00 0.00 28.50 3322.30
NAB Traveller Card 2307.67 0.00 989.00 0.00 0.00 0.00 0.00 0.00 3296.67
ANZ Travel Card 2327.53 -7.32 997.51 0.00 -22.00 0.00 0.00 0.00 3295.73
St.George Bank Global Currency Card 2315.64 0.00 992.41 0.00 -20.00 0.00 0.00 0.00 3288.05
Australia Post Load&Go Travel Card 2315.35 0.00 992.29 0.00 -20.00 0.00 -9.92 0.00 3277.73
Commonwealth Bank Travel Money Card 2306.05 0.00 988.31 0.00 -22.00 0.00 0.00 0.00 3272.35
Westpac Global Currency Card 2302.44 0.00 986.76 0.00 -20.00 0.00 0.00 0.00 3269.20
Travel Money Oz Key To The World 2302.11 0.00 986.62 -6.58 -25.00 0.00 0.00 0.00 3257.14
MasterCard Cash Passport 2300.41 0.00 985.89 0.00 -25.00 0.00 -6.57 0.00 3254.73
Australia Post Cash Passport 2281.65 0.00 977.85 -8.26 0.00 0.00 -6.52 0.00 3244.72
Suncorp Bank Cash Passport 2266.18 0.00 971.22 0.00 -25.00 0.00 -6.47 0.00 3205.93
0.62
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EUR ANZ - Travel Card
Australia Post - Load&Go Travel Card
Australia Post - Cash Passport
Commonwealth Bank - Travel Money Card
MasterCard - Cash Passport
NAB - Traveller Card
QANTAS - Qantas Cash
St.George Bank - Global Currency Card
Suncorp Bank - Cash Passport
Travel Money Oz - Key To The World
Travelex - Travelex Money Card
Velocity Frequent Flyer - Velocity Global Wallet
Westpac - Global Currency Card
Page 16 of 19 Travel Money Card Award Australia
9.1.3 NZ Dollar
Company Product Load Amount Initial Load Cost Reload Amount Reload Cost ATM Cost POS Cost Fee Close Rewards Total Value
Travelex Travelex Money Card 3653.89 0.00 1565.95 0.00 0.00 0.00 -10.44 0.00 5209.41
QANTAS Qantas Cash 3609.83 0.00 1547.07 0.00 -25.00 0.00 0.00 39.21 5171.11
ANZ Travel Card 3653.16 -11.48 1565.64 0.00 -45.00 0.00 0.00 0.00 5162.32
NAB Traveller Card 3607.18 0.00 1545.93 0.00 0.00 0.00 0.00 0.00 5153.11
Velocity Frequent Flyer Velocity Global Wallet 3593.66 0.00 1540.14 0.00 -25.00 0.00 0.00 28.50 5137.30
Westpac Global Currency Card 3607.21 0.00 1545.95 0.00 -30.00 0.00 0.00 0.00 5123.15
Commonwealth Bank Travel Money Card 3609.44 0.00 1546.90 0.00 -35.00 0.00 0.00 0.00 5121.35
Australia Post Load&Go Travel Card 3600.07 0.00 1542.89 0.00 -20.00 0.00 -15.43 0.00 5107.52
St.George Bank Global Currency Card 3593.59 0.00 1540.11 0.00 -30.00 0.00 0.00 0.00 5103.70
Travel Money Oz Key To The World 3588.43 0.00 1537.90 -10.25 -35.00 0.00 0.00 0.00 5081.08
MasterCard Cash Passport 3586.87 0.00 1537.23 0.00 -35.00 0.00 -10.25 0.00 5078.85
Australia Post Cash Passport 3567.73 0.00 1529.03 -10.10 0.00 0.00 -10.19 0.00 5076.46
Suncorp Bank Cash Passport 3569.16 0.00 1529.64 0.00 -35.00 0.00 -10.20 0.00 5053.60
1.01
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NZD ANZ - Travel Card
Australia Post - Load&Go Travel Card
Australia Post - Cash Passport
Commonwealth Bank - Travel Money Card
MasterCard - Cash Passport
NAB - Traveller Card
QANTAS - Qantas Cash
St.George Bank - Global Currency Card
Suncorp Bank - Cash Passport
Travel Money Oz - Key To The World
Travelex - Travelex Money Card
Velocity Frequent Flyer - Velocity Global Wallet
Westpac - Global Currency Card
Page 17 of 19 Travel Money Card Award Australia
9.1.4 Pound Sterling
Company Product Load Amount Initial Load Cost Reload Amount Reload Cost ATM Cost POS Cost Fee Close Rewards Total Value
QANTAS Qantas Cash 1970.75 0.00 844.60 0.00 -12.50 0.00 0.00 39.21 2842.06
Travelex Travelex Money Card 1991.01 0.00 853.29 0.00 0.00 0.00 -5.69 0.00 2838.61
Velocity Frequent Flyer Velocity Global Wallet 1966.13 0.00 842.63 0.00 -12.50 0.00 0.00 28.50 2824.75
NAB Traveller Card 1966.30 0.00 842.70 0.00 0.00 0.00 0.00 0.00 2809.00
ANZ Travel Card 1980.83 -6.23 848.93 0.00 -20.00 0.00 0.00 0.00 2803.52
St.George Bank Global Currency Card 1966.40 0.00 842.74 0.00 -15.00 0.00 0.00 0.00 2794.15
Australia Post Load&Go Travel Card 1973.51 0.00 845.79 0.00 -20.00 0.00 -8.46 0.00 2790.84
Westpac Global Currency Card 1957.31 0.00 838.85 0.00 -15.00 0.00 0.00 0.00 2781.15
Commonwealth Bank Travel Money Card 1959.09 0.00 839.61 0.00 -20.00 0.00 0.00 0.00 2778.70
MasterCard Cash Passport 1956.88 0.00 838.66 0.00 -20.00 0.00 -5.59 0.00 2769.96
Australia Post Cash Passport 1947.09 0.00 834.47 -7.78 0.00 0.00 -5.56 0.00 2768.21
Travel Money Oz Key To The World 1951.87 0.00 836.52 -5.58 -20.00 0.00 0.00 0.00 2762.81
Suncorp Bank Cash Passport 1937.07 0.00 830.17 0.00 -20.00 0.00 -5.53 0.00 2741.72
0.53
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0.584
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GBP ANZ - Travel Card
Australia Post - Load&Go Travel Card
Australia Post - Cash Passport
Commonwealth Bank - Travel Money Card
MasterCard - Cash Passport
NAB - Traveller Card
QANTAS - Qantas Cash
St.George Bank - Global Currency Card
Suncorp Bank - Cash Passport
Travel Money Oz - Key To The World
Travelex - Travelex Money Card
Velocity Frequent Flyer - Velocity Global Wallet
Westpac - Global Currency Card
Page 18 of 19 Travel Money Card Award Australia
9.1.5 Thai Baht
Company Product Load Amount Initial Load Cost Reload Amount Reload Cost ATM Cost POS Cost Fee Close Rewards Total Value
Travelex Travelex Money Card 86236.85 0.00 36958.65 0.00 0.00 0.00 -246.39 0.00 122949.11
ANZ Travel Card 86571.10 -272.08 37101.90 0.00 -950.00 0.00 0.00 0.00 122450.92
Velocity Frequent Flyer Velocity Global Wallet 85473.64 0.00 36631.56 0.00 -600.00 0.00 0.00 28.50 121533.70
Westpac Global Currency Card 85547.00 0.00 36663.00 0.00 -750.00 0.00 0.00 0.00 121460.00
St.George Bank Global Currency Card 85449.52 0.00 36621.22 0.00 -750.00 0.00 0.00 0.00 121320.75
Travel Money Oz Key To The World 85054.43 0.00 36451.90 -243.01 -800.00 0.00 0.00 0.00 120463.32
QANTAS Qantas Cash 84779.83 0.00 36334.21 0.00 -700.00 0.00 0.00 39.21 120453.26
Commonwealth Bank Travel Money Card 84735.00 0.00 36315.00 0.00 -800.00 0.00 0.00 0.00 120250.00
NAB Traveller Card 83431.06 0.00 35756.17 0.00 0.00 0.00 0.00 0.00 119187.22
Australia Post Cash Passport 83260.45 0.00 35683.05 -123.94 0.00 0.00 -237.89 0.00 118581.67
MasterCard Cash Passport 83498.35 0.00 35785.01 0.00 -800.00 0.00 -238.57 0.00 118244.78
Suncorp Bank Cash Passport 83498.35 0.00 35785.01 0.00 -800.00 0.00 -238.57 0.00 118244.78
23.45
23.65
23.85
24.05
24.25
24.45
24.65
24.854
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THB ANZ - Travel Card
Australia Post - Load&Go Travel Card
Australia Post - Cash Passport
Commonwealth Bank - Travel Money Card
MasterCard - Cash Passport
NAB - Traveller Card
QANTAS - Qantas Cash
St.George Bank - Global Currency Card
Suncorp Bank - Cash Passport
Travel Money Oz - Key To The World
Travelex - Travelex Money Card
Velocity Frequent Flyer - Velocity Global Wallet
Westpac - Global Currency Card
Page 19 of 19 Travel Money Card Award Australia
9.1.6 Japanese Yen
Company Product Load Amount Initial Load Cost Reload Amount Reload Cost ATM Cost POS Cost Fee Close Rewards Total Value
Travelex Travelex Money Card 280238.67 0.00 120102.29 0.00 0.00 0.00 -800.68 0.00 399540.27
ANZ Travel Card 277931.50 -873.50 119113.50 0.00 -2600.00 0.00 0.00 0.00 393571.50
Velocity Frequent Flyer Velocity Global Wallet 275587.76 0.00 118109.04 0.00 -1600.00 0.00 0.00 28.50 392125.30
St.George Bank Global Currency Card 275572.47 0.00 118102.49 0.00 -2000.00 0.00 0.00 0.00 391674.95
QANTAS Qantas Cash 274383.41 0.00 117592.89 0.00 -1600.00 0.00 0.00 39.21 390415.51
Westpac Global Currency Card 274424.50 0.00 117610.50 0.00 -2000.00 0.00 0.00 0.00 390035.00
NAB Traveller Card 272941.67 0.00 116975.00 0.00 0.00 0.00 0.00 0.00 389916.67
Australia Post Cash Passport 272723.22 0.00 116881.38 -394.60 0.00 0.00 -779.21 0.00 388430.79
Commonwealth Bank Travel Money Card 273210.00 0.00 117090.00 0.00 -2200.00 0.00 0.00 0.00 388100.00
Travel Money Oz Key To The World 273459.36 0.00 117196.87 -781.31 -2600.00 0.00 0.00 0.00 387274.91
MasterCard Cash Passport 273415.45 0.00 117178.05 0.00 -2600.00 0.00 -781.19 0.00 387212.31
Suncorp Bank Cash Passport 268179.83 0.00 114934.21 0.00 -2600.00 0.00 -766.23 0.00 379747.82
75
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JPY ANZ - Travel Card
Australia Post - Load&Go Travel Card
Australia Post - Cash Passport
Commonwealth Bank - Travel Money Card
MasterCard - Cash Passport
NAB - Traveller Card
QANTAS - Qantas Cash
St.George Bank - Global Currency Card
Suncorp Bank - Cash Passport
Travel Money Oz - Key To The World
Travelex - Travelex Money Card
Velocity Frequent Flyer - Velocity Global Wallet
Westpac - Global Currency Card