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Umm Turtleman read the review I linked. The rates are pretty good - better than the Aus Post travellers cash card ones.

Yes. You can transfer money to it online and use it overseas.

Dave there is a fairly comprehensive review of it vs the Virgin travel card here http://www.ausbt.com.au/travel-money-cards-compared-reviewed-qantas-cash-vs-virgin-australia-global-wallet

No catch but don't try comparing it to points that you would get from a normal credit card. It does make a good OS travel card. I have one (doubles as my Qantas FF card) and so I'm thinking of loading it with Yen for Japan