Qantas Pay vs VelaTrack

With Qantas Pay, you can earn Qantas Points on your own money at home and overseas. Lock in rates on 16 foreign currencies or load Australian dollars to spend worldwide - anywhere Mastercard® is accepted. Qantas Pay opens up a whole new world of points earning potential. Earn Qantas Points for simply loading your money and spending at home and overseas. • Earn 1 point per AU$1 equivalent loaded in foreign currency. • Earn 1 point per AU$1 spent overseas. • Earn 1 point per AU$4 when using your card at home - plus earn bonus points when spending on Qantas Flights, Marketplace and Wine. Plus, with Qantas Pay you can enjoy no foreign transaction fees and no account fees. Start planning your next adventure and discover how points make it possible with Qantas Pay. Manage your money with the Qantas Pay app • View your balances, transactions, statements and more. • Load funds by bank transfer, BPAY and debit card, or by using Apple Pay. • Hold up to 17 currencies. • Instantly add your Qantas Pay card to your Apple Wallet to shop in-store or online. • Instantly transfer funds between currencies and to other Qantas Pay cards. • Get help locking your card when you need it. • Change your card PIN. • View offers available to you when you use your Qantas Pay card. We take security seriously We take the safety of your data seriously, with advanced processes and systems in place to protect your information. And while logging in is as easy as using Face ID or your fingerprint, there’s extra authentication when you need a little extra peace of mind. Don’t have Qantas Pay? It only takes a few minutes to start enjoying all the great benefits Qantas Pay offers. Download the app and follow the prompts to sign up for free now. Any questions? Visit qantasmoney.com/qantas-pay T&CS apply. See full terms and conditions at www.qantasmoney.com/qantas-pay. Issuer: EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider PDS, FSG and TMD.

VelaTrack remembers every subscription and recurring bill, so the money never leaves silently. No bank connection. No account. Everything stays on your phone. ADD IN THREE TAPS Pick the brand, confirm the price, done. A catalog of 40+ popular services fills in the price, colour and category for you. Custom bills work too, from weekly to every three years. KNOW BEFORE YOU ARE CHARGED A reminder lands days ahead of every renewal, at the hour you choose. Free trials get a louder alert before they turn into a bill. Mark a payment as paid right from the notification. SEE WHAT THE MONTH REALLY COSTS Home shows what is still to pay this month and how it compares with your budget. Tap the total to see every charge, app by app, with dates. INSIGHTS THAT END IN AN ACTION Paid this month, paid this year, spend by category and a six-month trend. Price rises are flagged the moment a charge is higher than the last one. HOME-SCREEN WIDGETS Three widgets: this month's total, your next payment, and the upcoming list with a Pay button on every row. PAYMENTS LEDGER Every charge, grouped by month, with paid and overdue filters. YOUR DATA, YOUR RULES Works fully offline. Optional cloud backup and restore with your own Google account. VELATRACK PRO • AI Scan: photograph a bill or import a screenshot and let it fill the form • Cloud backup and restore • Home-screen widgets • No ads Free forever for tracking. PRO is an optional monthly subscription. Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in Settings > Apple ID > Subscriptions. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/