Debit Cards with a Platinum Concierge Service

Concierge services are a great way to save time, but while they are popular with credit cards they are rarely seen in debit cards.

Concierge services are usually offered as a complimentary feature on high end credit cards, but are not usually associated with debit cards. Though some debit cards have limited concierge services available for their holders.

HSBC Day to Day Transaction Account

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Your Visa debit card unlocks special privileges worldwide with the HSBC home&Away Privilege Program.

  • Make contactless payments for items under $100
  • Get exclusive shopping offers at over 1,500 retailers
  • Send money overseas for $20
    Rates last updated October 21st, 2017
    $
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    HSBC Day to Day Transaction Account
    The HSBC Premier Debit card offer a gold standard concierge service to handle all your needs.
    Visa $0 $0 $0 account keeping fees. Unlimited free withdrawals at over 3,000 HSBC, Westpac, St.George, Bank of Melbourne and BankSA ATMs. Go to site More
    Commonwealth Bank Smart Access
    Commonwealth Bank's Platinum debit card provides you with a lifestyle concierge service, 24/7.
    Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $4 fee applies. Unlimited free withdrawals at CBA ATMs. More

    What is a debit card with a concierge service?

    A concierge service is similar to a personal assistant as they can handle your requests. Usually they do small but time consuming things to help you save time. These could include things like sending flowers, tracking an item or booking travel tickets. However, concierge services are not entirely dedicated to you, as they normally handle many requests from many cardholders.

    What types of debit cards have a concierge service?

    At the moment, there is only one debit card in the Australian market that offers a concierge service as a complimentary feature. The HSBC Premier Debit card gives you access to the Visa Platinum Concierge service 24/7 to help you with any requests such as;

    • Travel assistance such as flight and hotel accommodation
    • Information and reservations about car rentals and limousine services
    • Sport and entertainment services
    • Business services
    • Shopping and locating a particular item

    How does a concierge service work?

    If your debit card comes with a concierge service, then upon application you will be notified whether or not you have access to this service. If you do, then your debit card provider would have provided you with the appropriate phone numbers you can contact to make your special requests. During your request, your concierge will notify you of any costs and what options you have before confirming your purchase or request.

    A concierge service can help you with almost everything, provided, of course, that the request is legal.

    What are the pros and cons of a debit card with a concierge service?

    Pros

    • Someone to handle your requests. Concierge services are helpful when you don’t have the time or knowledge to organise events yourself, such as organising a holiday in a particular country or a business trip. They can also help with simple and easy requests when you just don’t have the time.
    • Normally comes with other services. As well as a concierge service, these cards will often come with other complimentary insurances such as extended warranty, price protection, purchase protection and international travel insurance.

    Cons

    • Rare. At the moment, only the HSBC Premier Visa Platinum Debit card offers a concierge services for its cardholders. The transaction account that it’s linked to comes with a relatively high monthly fee.
    • Higher fees. These type of cards tend to be linked with full service transaction accounts and have relatively high fees.
    DID YOU KNOW
    You can still get a concierge service with your debit card even if its not a built-in feature. The downside is that it’s probably more expensive than the fee that you pay to maintain your transaction account linked to your debit card. Sites such as Utilise My Time and Someone Life Services are external concierge services that you pay for with your debit card, and receive the same, if not better, service.
    What kind of services do they offer?

    • House and garden
    • Business and finance
    • Personal and gift shopping
    • Travel
    • Lifestyle
    • Entertainment

    What are things to avoid?

    A concierge service should only be used when you need and can afford the services. While this feature is handy, you pay for it within your high service fee linked to your debit card. Concierge services are designed for those who don’t have enough time and need the extra helping hand.

    Frequently asked questions

    Concierge services usually charge you on an hourly basis, so the fees will depend on how long it would normally take to complete your request.

    Credit card concierge services are fairly standard on most premium and platinum credit cards. You may want to compare our gold, platinum and black credit cards.

    Most concierge services are available 24 hours a day, seven days a week world-wide.

    So if you aren't looking to spend on your credit card, but still want the benefits of a concierge service, it's refreshing to know that you can still get access to this premium credit card service.

    Shirley Liu

    Shirley is finder.com.au's publisher for banking and investments. She has completed a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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