Getting The Most Out Of Your Debit Card

ANZ Access Advantage with Visa Debit

The ANZ Access Advantage everyday bank account is a simple and straight forward bank account ideal for everyday savings and purchases. Also for a limited time you get a free Visa Debit Card linked to your account. Debit cards are a great way to spend your money while staying in total control of your money

Features:

• Unlimited everyday transactions for $5 a month
• Visa Debit Access which will allow you to use your own money overseas, over the phone or for online transactions
• Use your card for cash withdrawals and bill payments
• By pressing ‘credit’ you are given the added security of ANZ Falconâ„¢ fraud monitoring
• Choose from 3 card colours
• Monthly account service fee may be waived if you meet eligibility requirements
• No credit history needed for application
• Apply online via a 100% secure application process

Click here to find out more about this offer

1 Please refer to ANZ Personal Banking Account Fees and Charges (PDF 324kB) for fees and charges that apply.

Using debit cards will help keep your debt under control and can also generate a small amount of income. More people are using debit cards these days instead of credit cards or cash, but it is important to use them wisely. to make sure that you’re getting the most out of them. Here are some debit card tips you can use to help improve your finances.

Some debit cards offer cashback plans that give you cash rewards for using your cards for purchases. You will receive a small percentage back for a purchase that you make using the card. While it may seem relatively small, these rewards can add up fairly quickly, especially if you use debit cards to pay for groceries, utility payments or big-ticket items.

You should compare the rewards programs offered by different banks before choosing your debit card. Some financial institutions offer special perks along with the cashback program. Find the plan that gives you the most benefits, taking into account any card fees as well, and you can actually earn a bit of money by spending on your card.

It is important to remember that this is not a credit card and it is the same as paying cash for an item. Keep track of your account balance and try to keep it from going into overdraft by using it. Some banks have penalties for overdraft that come about from debit purchases. You can save a lot of money and time by simply recording the purchases you make with debit cards the same way you do with checks.

Debit cards are an easy way to access the cash you have your account without having to carry around any money, and is just as easy to use as a credit card. As long as you manage your purchasing on the card properly and avoid overdrafts, you can start earning some cash back that you can use on anything you want.

Source: ecomparison.co.uk

• Comparison of Top 10 Credit Card Offers

Editor's Choice: Our Top Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0