Visa Debit Card – Compare Visa Debit Cards

A VISA Debit Card allows you to spend your own money, not the banks, giving you the convenience of a credit card, with out the risk of getting in to debt.

What is a VISA Debit Card?

The VISA Debit Card is a type of card that gives you an alternate payment method to cash, when spending your own money. When you make a purchase using your card, the funds are withdrawn directly from your savings bank account or from the remaining balance that is on the card.

Where can you use a VISA Debit Card?

A VISA Debit Card gives you the convenience of a credit card, allowing you to pay your bills over the phone, go shopping online when you’re on the internet, or make a purchase over the counter in an EFTPOS machine. The other major benefit of a VISA Debit Card is you are able to use your card overseas to make purchases, anywhere a VISA card is accepted (over 29 million locations worldwide!). You can also use your card in an ATM machine to make a cash withdrawal from one of over 1 million ATM machines world-wide that accept VISA cards.

Using your VISA Debit Card

You can use your VISA Debit Card everyday, like you would any credit card or EFTPOS card. When paying for a transaction, simply press the “credit” button on the EFTPOS machine, and the money comes straight from your own bank account. When you press “credit”, it doesn’t mean you’re paying by credit, but it does ensure you will be protect by VISA’s Zero Liability policy which protects you against unauthorised transactions. You have the choice of using either a PIN Number or signature when authorising the card purchase.

Benefits of VISA Debit Cards

• The primary benefit of a VISA Debit Card is being able to reduce the risk of getting in to credit card debt, by ensuring you’re spending your own money, and not over-extending yourself by getting a credit card balance you may not be able to repay.
• Any purchase that you make on your card is covered and protected by VISA’s Zero Liability policy
• It’s alot more convenient, easier and safer than carrying cash or using your EFTPOS card.
• Access your transaction records for your card online instantly through internet banking.
• You don’t need a good credit history. When applying for a VISA Debit Card, the banks don’t do a credit check, making the application process fast (and painless!).

How to apply for a VISA Debit Card

To make it easier when choosing a VISA Debit Card, we have included a comparison of Australian VISA Debit Cards below. Compare each cards details, monthly account keeping fee, and annual fee. Once you’ve selected the card you would like to apply for, click the “Apply” button to begin the online application. It’s as easy as that!

VISA Debit Card Comparison

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)
ANZ Visa Debit Card	Have the freedom to shop anywhere with Worldwide Visa access. ANZ Everyday Visa Debit allows you to shop anywhere Visa is accepted. Available in blue, pink or black.	Debit Card	Debit Card	N/A	$3/$6	Debit Card
St.George Visa Debit Card	Access your own money conveniently for Internet, phone and mail order purchases with the St George Visa Debit Card.	Debit Card	Debit Card	N/A	$7	Debit Card