• How Is a Debit Card different from a Credit Card?
  

  What are the key differences between a debit card and a credit card? This is probably a question you’ve asked yourself, and the reason you’ve found this article. They key difference is that with a debit card you are spending your own money, usually from an attached savings account, as opposed to spending money on a credit card that has been extended as credit to you from your bank.

• What is a Debit Card? Debit cards explained and how you could use one
  

  The brand Visa, has been associated with credit cards for such a long time now, that when you heard Visa Debit Card, it can often be confusing as to what a debit card is. Our article explains and answers the question: What is a debit card? And more importantly explains how they could work for you.

• How to handle direct debits on your credit card
  

  We have put together a complete guide to managing direct debit payments from your credit card account. Follow our guide to avoid any pitfalls and to get a full understanding of how direct debit payments work.

• Debit vs Credit – Which is Best?
  

  When it comes down to choosing either a credit card or debit card, there’s no simple answer as to what’s the ‘best’.

  
  

  Depending on how much you spend, how frequently you repay your balance and how much commitment you have towards managing your card, one or the other may be more beneficial.

  
  

  Find out which consumer group you fit in to determine the most appropriate choice.

• Credit Cards vs Debit Cards
  

  There are many misconceptions and simply lack of knowledge when it comes to the differences between debit and credit cards.
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  Read our guide here to become well informed of the key differences and similarities between debit and credit cards.

• Visa Debit Cards in Australia
  

  The Visa Debit Card is the perfect choice for the person who wants the security and convenience of a credit card without the cost. The other option is an Eftpos card, which also draws from your cheque account, but it does not have anywhere near the acceptance that a worldwide Visa logo does. Even though they carry a small cost, these cards make up for it in convenience and debt risk reduction.

Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%