While debit cards may seem like the same pieces of plastic regardless of the issuing bank, different accounts will lead to different features for every debit card.
For people who use their cards almost all the time, an account with unlimited transactions like Citibank’s Plus account is ideal, offering no monthly account fees, unlimited free withdrawals and the all the accessibility features of a Visa debit card.
This debit card option can be used without charge at over 3000 ATMs around the country, including those from Bank of Melbourne, Bank SA, St George, Westpac and, of course, Citibank.
People with a Citibank Plus account also have the added bonus of enrollment into Citibank’s Dining Program, which offers exclusive insights and information on restaurants around Australia as well as a complimentary bottle of award-winning wine at participating restaurants.
All cardholders have to do to enjoy this extra is find a participating restaurant via the Dining Program website, present their card at the start of the meal, request the free wine and pay with their card at the end of the night.
The Citibank Plus debit card is also an excellent option for people looking at using a debit card overseas because here are also no fees charged for using a Citibank Plus debit card in stores or at ATMs around the world. Citi charge an international transaction fee of 2.5% on the AUD dollar conversion of any transaction made in foreign currency.
Cardholders may, however, still be charged by ATM vendors outside of the Citibank network, so it could pay off to locate Citibank ATMs when travelling so that extra charges are not an issue.
Another international benefit that comes with the Citibank Plus account is free international transfers from Australia to anywhere else in the world and instant transfers when sending funds overseas from one Citibank account to another, thanks to the Citibank Global Transfers service.
Comparing different debit cards and debit card accounts is a great way to get all the money management options that you want and need so that debit card use can be something that fits into any lifestyle.
When it comes to debit cards that offer convenience and access, the Citibank Plus account is definitely one worth considering.