Debit Cards - Compare Visa & Debit Mastercard At Debitcards.com.au

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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	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	$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	$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	$0 NAB	Apply now More info
BankSA Complete Freedom	No monthly account fee if you deposit $2,000 or more per month Customised SMS and Email updates to help you keep track	$0	$0 at any major bank ATM in Australia	Apply now More info
Westpac Choice	No monthly service fee if you deposit $2,000 or more per month or meet other criterias Unlimited fee-free transactions at Westpac Branches, ATMs, EFTPOS, Telephone Banking and Mobile Banking	$0	$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.	$0	$0 at any major bank ATM in Australia	Apply now 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.

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