Visa Debit Cards

Although Debit MasterCards exist, there are currently only visa debit card offers available from financial providers for online application.

Why Choose a Visa Debit Card over an Eftpos Card?

In short, Eftpos is much more limiting than Visa. Many over the counter merchants won’t accept Eftpos, while online transactions are completely out of the question. Also, Visa Debit Cards tend to have unlimited transaction offers, where as Eftpos may have a limit or charge after a certain number.

If you’re under 18, then Eftpos will be your only choice since Visa and MasterCard have an 18+ requirement for applicants.

The only evident downside for Visa debit cards is ultimately, fees. While not significantly more than an Eftpos monthly account keeping fee, most debit cards hover around $6 a month. The ANZ Visa Debit Card is currently offering no fee for the first 6 months, followed by a flat $6 afterwards ($3 for students).

As mentioned prior, any bank debit card will give you complete access to anywhere a normal visa credit card would be accepted.

Related posts:

1. NAB Visa Debit Card – Details and Application
2. Online Debit Credit Cards
3. Citibank Visa Debit
4. Credit Cards vs Debit Cards
5. What is a Debit Card? Debit cards explained and how you could use one

Best Balance Transfer Credit Card Offer

The Bankwest Lite MasterCard is Australia's cheapest credit card offer, giving you the lowest MasterCard purchase rate of just 9.99% p.a. as well as a long balance transfer offer on your existing credit card balance at 1.99% p.a. for 12 months!

Click here to access the Bankwest Lite MasterCard terms & conditions.

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)
Bankwest Lite MasterCard	Editor's Choice: Cheapest Credit Card The lowest stress mastercard, with Australia's lowest MasterCard purchase rate of just 9.99% p.a.	9.99%	20.99%	1.99% for 12 months	$59	55
St George Vertigo	Editor's Choice: Best Bank Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.	2.99% for 6 months (reverts to 11.99%)	20.74%	2.99% for 6 months	$55	55
Coles Group Source MasterCard	The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points	19.74%	21.99%	0% for 6 months	$0	62
Citi Clear Platinum Visa	Editor's Choice: Low Interest An excellent low interest credit card offer with 11.49%interest on purchases and 0.99% for 6 months on balance transfers .	11.49%	20.99%	0.99% for 6 months	$49 (First Year, Save $50)	55
Bankwest Zero Platinum MasterCard	Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 12 months on balance transfers	15.99%	15.99%	1.99% for 12 months	$0	55