If you’ve ever dreamed of a tropical escape to Hamilton Island—one of Australia’s most iconic holiday hotspots—you might expect to be greeted by swaying palms, turquoise waters, and a warm welcome at your hotel.

But for one recent visitor, it was a tiny plastic sign at the check-in counter that left her speechless and set the tone for a very modern island experience.


Upon arrival at the Reef View Hotel, excitement for a long weekend quickly gave way to confusion when she spotted a bold message: 'Sorry, we are unable to accept cash payments here.'

Like many of us, she didn’t think much of it at first—after all, tapping a card is second nature these days.

But as she explored the island, she noticed the same sign popping up everywhere: at the buggy hire, the Marina Tavern, and just about every other business on Hamilton Island.


It wasn’t just her hotel—cash was out, cards were in, and the only place still accepting notes and coins was the humble post office.

Curiosity piqued, she asked a waitress about the new policy. 'Oh yeah, Hamilton Island is cashless now. Only the post office takes cash,' the waitress explained.

'But don’t worry about the surcharge. You can just insert your card to get around that.'


Surcharge? That’s when the real surprise hit. Like many of us, she’d only read the first line of the sign and missed the fine print below: 'A non-refundable 1.25 per cent surcharge … applies for all ‘credit’ and ‘tap and go’ transactions made via credit or debit card.'

Suddenly, every tap-and-go purchase since arrival had cost a little extra. It’s a small fee, but as any savvy traveller knows, those little extras can add up over a holiday.

Thankfully, there’s a simple workaround: 'Fee free payments can be made via EFTPOS upon your request to your staff,' the sign continued.

'Once requested, please insert your card and select ‘savings’ or ‘cheque’.' Armed with this knowledge, she started asking to insert her card for every payment, dodging the surcharge and saving a few dollars along the way.

Hamilton Island quietly transitioned to a cashless system in 2024, citing guest and staff safety, convenience, and a reduced risk of theft as the primary reasons.

While some tourists have grumbled about the change, the island has stuck to its guns. The official website is clear: bring your cards, not your cash.

But what if you’re not a fan of cashless payments? Or you’re an international visitor who’s just exchanged a wad of Aussie dollars? You’re not alone.

Many tourists still arrive unaware that cash is no longer king on Hamilton Island.

And it’s not just here—since the COVID-19 pandemic, cashless businesses have become increasingly common across Australia, from hotels and restaurants to tourist attractions and even some markets.

Is it legal for businesses to refuse cash? The answer might surprise you. According to the Australian Competition and Consumer Commission (ACCC), companies are not required to accept payment as long as they clearly communicate their payment policies and any applicable surcharges.

The myth that 'legal tender' must be accepted everywhere is just that—a myth. Businesses can also charge surcharges for card payments, provided they’re calculated fairly and disclosed upfront.

So, what’s the takeaway for travellers? Always read the fine print—even if it’s on a tiny sign at the counter.

If you’re heading to Hamilton Island (or anywhere else that’s gone cashless), be prepared to pay by card, and ask to insert your card and select ‘savings’ or ‘cheque’ to avoid unnecessary surcharges. For overseas visitors, travel cards are your best bet.

Don’t let payment policies spoil your holiday plans because Hamilton Island still offers plenty to enjoy.

You can swim, snorkel, or relax on the beach while scenic walking tracks provide breathtaking views of the Whitsundays.

Many visitors also take day trips to nearby islands or the Great Barrier Reef for unforgettable experiences.

The island’s hilly layout makes buggy hire a fun and convenient way to get around, especially for those with limited mobility.

The best time to visit is between April and June when the weather is warm and stinger season has ended, though if visiting between October and May, wearing a stinger suit or using the pool is advised for safety.

Most recommend staying at least four days to explore and relax fully. To get there, Cruise Whitsundays operates daily ferries from Airlie Beach, and while buggy hire is popular, the island is also walkable for those who prefer it.

With its lush scenery, white sand beaches, and swim-up bars, Hamilton Island remains a stunning destination for both Australians and international travellers.
Have you visited Hamilton Island or another cashless destination? Did you get caught out by a sneaky surcharge or a tiny sign? Share your stories, tips, and questions in the comments below.

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