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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 Type ATM Withdrawal Fee
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
visa
$0
NAB
Apply now 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
visa
$0
at ANZ ATMs
Apply now 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 cash back per month
$10
visa
$0
NAB
Apply now More info
BankSA
Complete Freedom
  • No monthly account fee if you deposit $2,000 or more per month
  • Get $50 with a new Complete Freedom everyday bank account when you apply online by 19th January 2021 and deposit $500 within 30 days
  • Customised SMS and Email updates to help you keep track
$0
visa
$0
at any major bank ATM in Australia
Apply now More info
Westpac
Choice
  • Get $50 when you apply online by 28th January 2021, and deposit $500 and make 5 eligible purchases within 30 days
  • No monthly service fee if you deposit $2,000 or more per month or meet other criterias
  • No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world
$0
mastercard
$0
ATM use at any major bank ATM in Australia
Apply now More info
Bank of Melbourne
Complete Freedom Student
  • This account is only available to customers who are under the age of 21 or who are full-time tertiary students, including apprentices.
  • Get $50 with a new Complete Freedom everyday bank account when you apply by 19th January 2021, and deposit $500 and make 5 eligible debit card purchases within 30 days.
$0
visa
$0
at any major bank ATM in Australia
Apply now More info

Compare Debit Cards by Bank


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.

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

Articles

Using Your Debit Card Over The Christmas Period

21-12-2020
, By admin
Depending on your level of organisation in the lead-up to Ch… read more

Can You Earn Rewards Using A Debit Card?

03-12-2020
, By Roland
For many, earning rewards is just one of the perks of having a… read more

Time For A Platinum Debit Card

11-09-2020
, By Roland
Want platinum perks without applying for an expensive plat… read more

How To Add Your Debit Card To Your Digital Wallet

12-08-2020
, By Roland
Thinking about adding your debit card to your digital walle… read more
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We are not a bank or do not offer any debit cards ourselves. 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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