Best Debit Cards - Compare Visa & Debit Mastercard

Use your own money world wide

Last updated on March 18th, 2022

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.

Most Popular Debit Cards

Sort	Key Features	Monthly Account Fee	ATM Withdrawal Fee
HSBC Everyday Global	$0 Monthly account fee $0 Transaction fees $0 ATM fees charged by HSBC Australia Earn up to $50 cashback each month on eligible purchases	$0	$0 charged by HSBC Australia	Apply now More info
MyState Bank Glide	No monthly account keeping fees No MyState Bank ATM fees Australia-wide No everyday transaction fees Personalised banking with MyState Bank App plus Auto-Savings feature Access to Visa Debit Card (including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay) Earn up to 1.10% pa variable interest on balances up to $250,000 when you link to a MyState Bonus Saver Account	$0	$0 charged by NAB, ANZ, Westpac or CBA	Apply now More info
Citi Global Currency	$0 monthly fees $0 Citi fees for foreign currency exchange $0 ATM fees when withdrawing in local currency Add up to 10 currencies and switch between them anytime Each currency account has an individual account number Hold foreign currency until you’re ready to exchange Real-time exchange rates, updated every 10 seconds Earn 0.45% interest p.a. (conditions apply)	$0	$0 charged by Citibank, Westpac, St George, Bank of Melbourne, or BankSA	Apply now More info
BankSA Complete Freedom	No monthly account fee if you deposit $2,000 or more per month Get $40 with a new Complete Freedom everyday bank account when you apply online by 28th September 2022 and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases Customised SMS and Email updates to help you keep track	$0	$0 at any major bank ATM in Australia	More info
Westpac Choice	No monthly service fee if you deposit $2,000 or more per month or meet other criteria No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world Cardless cash at Westpac Group ATMs in Australia Security features including Card on Hold, Westpac Protect SMS Code, Fraud Money Back Guarantee and Safe Online Banking guarantee	$0	$0 ATM use at any major bank ATM in Australia	More info
Bank of Melbourne Complete Freedom Student	This account is only available to young adults and tertiary students under 21 Get $40 with a new Complete Freedom everyday bank account when you apply by 28th September 2022 and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases.	$0	$0 at any major bank ATM in Australia	More info
NAB NAB Classic Banking with Visa Debit	$0 monthly card fee $0 withdrawal fee at over 7,000 ATMs $0 overdrawn fee Enabled for Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay	$0	$0 NAB	More info
NAB NAB Platinum Visa Debit Card	Pay no foreign currency fee on international purchases Complimentary insurances such as Overseas travel insurance and more $10 monthly fee NAB Concierge Service Earn up to $10 cashback per month	$10	$0 NAB	More info
ANZ Access Advantage	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	$0 at ANZ ATMs	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.

Debitcards

Use your own money world wide

Most Popular Debit Cards

Compare Debit Cards by Bank

About Debit Cards

Pros and cons of a debit card

Advantages of a debit card

Disadvantages of a debit card

Facts about Debit Cards

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