Debitcards

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Use your own money world wide

Debitcards.com.au is your one stop shop for information, comparison and reviews of current bank accounts that come with debit cards in the Australian market. We’ve listed providers, and the debit card options they have available in a simple, easy to use format for you to see what you’re getting at a glance. Not sure where to start? Read our simple guide explaining what is a debit card or jump straight to comparing Visa debit cards or debit MasterCards.

Facts about Debit Cards

57%

of debit card users have a Visa Debit Card

43%

of debit card users have a MasterCard Debit Card

38%

of daily purchases are made with a debit card

* Based on Australian users in 2012

Top 10 Most Popular Debit Cards

Compare Key Features Monthly Account Fee Access ATM Withdrawal Fee
St.George
Complete Freedom
  • $50 cash reward after $500 deposit, paid within 55 days of account opening
  • $0 monthly fee ^if you deposit a minimum of $2,000 every month. Otherwise $5 per month
  • Have your St.George home loan repayments deducted automatically
$0
visa
$0
at St.George, Westpac, BOM and BankSA ATMs
Go to site more Info
Citibank
Plus Account
  • Free international money transfers from Australia worldwide
  • Instant transfers when sending funds overseas to another Citibank account
  • Pay $0 Citibank fees for any overseas ATM or in-store transactions
  • Free wine when you dine and pay with it
$0
visa
$0
Citibank, Westpac, St George, Bank of Melbourne, Bank SA ATM's
more Info
Westpac
Choice
  • No monthly service fee ^if you deposit $2,000 or more per month
  • Unlimited fee-free transactions at Westpac Branches, ATMs, EFTPOS, Telephone Banking and Mobile Banking
$0
mastercard
$0
at Westpac, St.George, BOM and BankSA ATMs
Go to site more Info
ING Direct
Orange Everyday
  • Comes with a Visa Debit card
  • No monthly fees with no catches
  • Easy Online and mobile banking available
$0
visa
$0
Go to site more Info
HSBC
Day to Day
  • $0 monthly account fees
  • $0 ATM fees at over 3,000 ATMs
  • Visa Zero Liability Protection
$0
visa
$0
at Westpac, HSBC, St.George, Bank of Melbourne and BankSA ATMs
Go to site more Info
ANZ
Access Advantage
  • Banking on the go with ANZ's goMoney app
  • Visa payWave, just wave and go for purchases under $100
  • ANZ 24/7 Falcon Fraud monitoring
  • $0 monthly account fee if you deposit $2,000 per month
$0
visa
$0
at ANZ ATMs
Go to site more Info
St.George
Express Freedom
  • This product is no longer available from St.George
$0
visa
$0
at BankSA, Bank of Melbourne, St.George and Westpac ATMs
more Info
Bankwest
Hero
  • Earn 1.50% p.a. for balances up to $5,000
  • $0 monthly account keeping fees when you deposit at least $2,000 per month
  • Unlimited electronic transactions
$0
mastercard
$0
at Bankwest and CBA
more Info

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About Debit Cards

It’s almost impossible to get a bank account in Australia these days without getting a debit card too, so it makes sense to investigate your options. There are debit cards available from both Visa and MasterCard, and there are accounts which come with different features, like SMS and e-mail alerts, free ATM withdrawals and even the option to earn rewards. One thing they do have in common is 0% interest, so if you’re saving up or want to start a savings fund you’ll be interested in an option that combines an everyday account and a savings account.

Pros and cons of a debit card

Advantages of a debit card

  • Flexibility: you’re able to use a debit card to withdraw cash, pay for EFTPOS transactions or make remote payments over the internet or telephone
  • No interest charges: you won’t pay huge interest charges on the money you spend on a debit card
  • No debt: you only access your own cash with this type of account, so you’re not accumulating debt
  • ATM access: you’re able to withdraw cash from an ATM without fees.
  • Increased security for your cash: if your debit card is ever stolen or lost, you know that only the amount of money in your account is at risk.

Disadvantages of a debit card

  • Limited to your own funds: some people may find it terribly inconvenient to be limited to spending only the amount of money they have in their account, especially if unexpected bills arrive and the account is empty.
  • Overdrawn account fees: if you’re not careful about monitoring the amounts you spend, it can be quite easy to overdraw your account. The fees charged on overdrawn accounts can become expensive.
  • Overdraft fees: if you regularly find that you spend all the money you earn and end up using your overdraft to pay for other items, the fees and charges on your overdraft can get expensive.

Articles

BankSA VISA debit card

March 9, 2017 , by Amy
BankSA is one of the largest financial institutions in Sout… read more

ANZ Debit Card Overseas Fees

February 22, 2017 , by Amy
ANZ has a wide range of accounts with convenient debit card o… read more

How Long Will It Take To Get An NAB Visa Debit Card?

January 18, 2017 , by Amy
Visa debit cards come with a number of NAB accounts but there… read more

The HSBC Visa Debit Card

January 10, 2017 , by Amy
Not all debit cards offer the same advantages to customers.… read more
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We are not a bank or do not offer ourselves any debit cards. We provide a free online comparison service of debit cards in Australia.

Reasonable efforts are made to maintain accurate information. However information is presented without warranty. Interest rates, fees and charges are subject to change without notice. When you click the "Go to Site" button you will have an opportunity to review and confirm the debit card features, terms and conditions.

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