Avoid Credit Card Surcharges With Debit Cards

Information verified correct on September 28th, 2016

How do you avoid credit card fees

One way to avoid credit card fees is to understand when they will be added to a purchase. If you are buying dinner at a restaurant, or purchasing a ticket with an airline, or buying a home theater system at a department store, and you are using a credit card, most likely, that business will be charged a fee by the credit card company.

There are some unavoidable surcharge instances, though, that you can’t avoid. For example: when buying plane tickets, specifically the lower price point airline carriers, there will be no way to avoid the fee. It will have to be expected and the only way to get part of the cost back is by using something like an air miles card which will provide some reward.

If you are making a large purchase, this is a good way to avoid paying surcharges. Ask the retailer before making the purchase if there are fees or surcharges to the retailer and what amount is passed on to you. It most likely won’t help in the case of a small purchase, but if you are making a large purchase of a thousand dollars or more, you may be able to convince the retailer to remove the surcharge on your bill. This is away to keep a customer happy, guarantee a large sale, and save you some money.

A new kind of card to carry

Debit cards are a great way to avoid paying surcharges issued by credit card companies. Since debit cards are completely removed from the credit card system, the same fees aren’t applied. Most businesses accept debit cards now and many banks will remove all fees for debit card use if there are certain amounts in the account.

Debit cards are a safer alternative to carrying large amounts of cash. This is unsafe for a variety of obvious reasons, such as theft and loss, and these cards offer that safety. Many debit cards have daily limits and banks are usually very good at reimbursing money in the event of theft and use.

Why pay more?

If you want to avoid credit card fees, it is often doable and it simply means you are conscience of your money and want to save some of it. Money is incredibly difficult to earn and far too easy to spend, so why not be a little more careful with it.

Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

2 Responses to Avoid Credit Card Surcharges With Debit Cards

  1. Default Gravatar
    Mando | March 22, 2016

    Do you pay surcharge when buying with debit card

    • Staff
      Sally | March 23, 2016

      Hi Mando,

      Thanks for your question.

      Whether you’re charged will depend on where you’re shopping, but generally you’re less likely to be charged for using a debit card than you would with a credit card.

      I hope this has helped.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback