Compare Visa debit cards to use at millions of locations worldwide

Untitled designGet a Visa debit card to access our own money globally, without the stress of building debt.

Visa Inc, a multinational financial services corporation, works in facilitating electronic funds transfers across the world, through Visa branded debit and credit cards. Visa doesn’t issue these cards. When you get a Visa debit card, you’re essentially getting a Visa branded card from a financial institution that has chosen to partner with Visa.

What sets a Visa credit card apart from a Visa debit card is the former provides funds on credit and the latter gives you access to your own money.

Visa Debit Account Offer

NAB Classic Banking

Visa Debit Account Offer

Impressive digital perks. $0 monthly account fee. Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone. Temporarily block your card at the touch of a button if you lose it.

  • Account keeping fee: $0.00
  • Linked debit card: Visa
  • ATM withdrawal fee: $0.00
  • Overseas EFTPOS fee: 3%
Go to site
Promoted
Rates last updated May 25th, 2018
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
NAB Classic Banking
Visa
$0
$0
Impressive digital perks.
$0 monthly account fee.
Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone. Temporarily block your card at the touch of a button if you lose it.
St.George Complete Freedom Account
Visa
$0
$2,000
Pay with Samsung Pay & manage your budget with the St.George Spend Tracker.
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria.
NAB Classic Banking with Platinum Visa Debit Card
Visa
$0
$0
1% cashback on contactless purchases, $0 foreign transaction fee and complimentary travel insurance.
$10 waivable monthly account fee.
Complimentary travel insurance, transport accident insurance, purchase protection insurance and more when you meet eligibility criteria. Book travel and restaurants through NAB's 24/7 Concierge Service.
ING Orange Everyday Account
Visa
$0
$1,000
$75 cash bonus.
$0 monthly account fees.
Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month and make 5+ card purchases (T&Cs apply). Get a competitive ongoing variable rate when linked with an ING Savings Maximiser.
Bank of Melbourne Complete Freedom
Visa
$0
$2,000
A flexible option for those living in Victoria. Manage your budget with a spend tracker and pay with Samsung Pay.
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria.
BankSA Complete Freedom Account
Visa
$0
$2,000
$50 cash bonus available.
A flexible option for those living in South Australia. Manage your budget with a spend tracker and pay with Samsung Pay.
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria.

ANZ Access Advantage
Visa
$0
$2,000
Pay with Apple Pay, Google Pay & Samsung Pay.
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 25 or if you meet other eligibility criteria.
HSBC Day to Day Transaction Account
Visa
$0
$0
Open an account and easily switch your regular payments over from your current bank.
$0 monthly account fee.
Through your linked Visa debit card, you can access exclusive shopping, travel and restaurant deals here and abroad through HSBC's home&Away Privilege Program.

Compare up to 4 providers

Video: What is a Visa debit card?

What is a Visa debit card?

A Visa debit card gives you the ability to make payments without the use of cash, giving you easy access to the money in your bank account. When you use such a card to make a purchase, the funds debit from your account automatically, provided your existing account balance can cover the purchase. Visa cards find acceptance internationally, so you can look forward to using your card when you travel overseas.

A number of financial institutions in Australia offer Visa debit cards, and while they come with the same basic functionality, features on offer can differ from one card to the next.

Back to top

What are the benefits of using a Visa debit card?

Here are some of the perks you can expect from using a Visa debit card:

  • No debt. One of the primary benefits of getting a debit card is the reduced risk of getting into debt. This is because you limit to spending your own money, and you don’t have to worry about overspending owing to easily available credit.
  • Convenience. Using a Visa debit card definitely offers more convenience when compared to using cash or an EFTPOS card.
  • Easy access to account information. Most financial institutions that offer a Visa debit card allow cardholders to manage their account through an online banking platform.
  • No credit check. Getting a Visa debit card doesn’t involve an application for credit, so you don’t have to worry about an impending credit check.
  • Zero Liability policy. Visa has a Zero Liability policy in place that protects cardholders from taking responsibility for fraudulent and unauthorised transactions.

Using your Visa debit card

Where can I use my Visa debit card?

Visa finds acceptance in over 200 countries and territories around the world, at more than 30 million locations, and you can use your Visa debit card at any ATM or EFTPOS terminal that displays the Visa symbol. You can also use your Visa debit card to make purchases and pay bills over the phone and online.

How can I use my Visa debit card?

You use your Visa debit card just as you would an EFTPOS card or a credit card. When you use your card at an EFTPOS terminal, press the ‘credit’ button. This does not mean you’re using credit, but ensures that you receive protection through Visa’s Zero Liability policy. To authorise a purchase, you can enter your PIN or sign a receipt. If your Visa debit card is payWave enabled, you can use it to make contactless payments of less than $100.

How do I apply for a Visa debit card?

You’ll need to get in touch with your preferred financial institution to apply for a Visa branded credit card. You would need to apply for a transaction account or an everyday account that comes with a Visa debit card. Most financial institutions give you the ability to apply online, and you would need to complete an identity verification process before your account becomes operational.

How has the Visa debit card has evolved over the years?

Visa’s history dates back to the late 1950s, when Bank of America launched its BankAmericard credit card program in California, USA. The name Visa came about in 1976, when various international financial networks came together as a single network. While credit cards have been around since the 1950s, debit cards entered the picture only in the late 1960s, and their use grew considerably in the 1980s.

Visa debit cards, over time, have evolved from cards that relied solely on magnetic strips, to cards that come with microchips and allow contactless payments.

If you don’t want to build up debt, and want the convenience that comes with a credit card, consider getting a Visa debit card instead. Don’t forget that you have numerous options from which to choose, so compare as many as possible before applying.

Frequently asked questions

Was this content helpful to you? No  Yes

Related Posts

Savings Account Offers

Important Information*
RaboDirect High Interest Savings Account

Maximum Variable Rate

3.05

Standard Variable Rate

1.80
Bankwest Hero Saver

Maximum Variable Rate

2.60

Standard Variable Rate

0.01
Bank Australia Bonus Saver Account

Maximum Variable Rate

2.60

Standard Variable Rate

0.15
Citibank Online Saver

Maximum Variable Rate

2.85

Standard Variable Rate

1.70

Ask an Expert

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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site