While most everyday bank accounts now come with a MasterCard or Visa debit option, not everyone will need one of these cards on an everyday basis.

In the past, most general bank accounts came with a basic debit card option that provided more convenient ways to access money and could be used for ATM and EFTPOS transactions. Some savings accounts even came with this feature.

These debit cards, generally processed by MasterCard through the Cirrus and Maestro networks, could also be used at some locations overseas, particularly when Cirrus and Maestro logos were on display.

Many everyday bank accounts still come with these basic debit card options free of charge, while MasterCard and Visa debit card options could lead to higher monthly fees due to the wider range of services that become available.

With a MasterCard or Visa debit card, people can also make purchases online, over the phone and anywhere in the world that MasterCard or Visa is accepted, which means there is even more potential convenience through getting one of these options.

But the fees that can come with these cards will only be worth it if someone actually makes use of the added features, so it is still a good idea to consider what kind of debit card use will be part of your everyday routines.

To work out if getting a MasterCard or Visa debit card is a good idea for you, consider the following questions:

1. How often do you use your debit card?
2. What are the main reasons you use a debit card?
3. Do you want to make purchases online or over the phone?
4. Would you like to use a contactless payment option in stores?
5. Do you want to have access to money via a debit card while travelling?
6. Will monthly fees be worth it for you?

The answers to these questions will vary from person to person but they should give you a good idea of what kind of debt card option you really need.

When thinking about your banking it is important to make sure you have all the features you need to make things as convenient and affordable as possible.

By considering basic debit cards and MasterCard or Visa options you will be able to find a debit card option that will complement your everyday banking while only paying for what you need.