Visa Debit Cards

A visa debit card gives you the convenience of a credit card but none of the debt. You can use a Visa debit card online, on your smartphone or via tap and go. If you want a Visa issued debit card, you can find and compare your options from Australia’s banks and credit unions in the table below.

Visa debit card comparisons on Mozo - page last updated September 29, 2020

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  • Everyday Options

    $0.00

    Suncorp, RediATM

    Visa Debit

    Details
  • Everyday Account

    $6.00$0 monthly account fee if you deposit min. $2,000 per month or are under 23 years.

    MyState

    Visa Debit or
    EFTPOS

    Details
  • Everyday Global Account

    $0.00

    HSBC

    Visa Debit

    Details
  • Glide Account

    $0.00

    MyState

    Visa Debit

    Details
  • Access Advantage

    $5.00$0 monthly account fee if you deposit min. $2,000 per month

    ANZ

    Visa Debit or
    EFTPOS

    Details

^See information about the Mozo Experts Choice Debit cards Awards

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Debit card resources

Reviews, news, tips and guides to help find the best debit card for you.

About Visa Debit cards

Don't like carrying a wad of cash all the time? A Visa Debit card can make your wallet lighter and daily transactions simpler by letting you make withdrawals from ATMs, pay bills and make purchases in Australia or overseas, which directly get debited from your account.

Visa is a payments technology firm that connects financial institutions with merchants and cardholders across the world. A large number of Australian banks and credit unions offer Visa Debit cards when you open an everyday transaction account with them.

But with so many options available, it's a good idea to compare great deals on Visa Debit cards in our database and read real customer reviews before you decide which card is ideal for you. Start off with reading our list of frequently asked questions about Visa Debit cards to understand the different features you should be paying attention to.

What is a Visa debit card?

Visa is a payments technology firm that connects financial institutions with merchants and cardholders across the world.

A large number of banks offer Visa Debit cards when you open an everyday transaction account with them.

Your Visa Debit is directly linked with your everyday bank account and uses the money in this account every time you make a transaction.

Your debit card acts just like cash and lets you access your money 24/7. You can make payments and purchases in-store as well as online using your Visa Debit card.

How does a Visa Debit card work?

Your Visa Debit is directly linked with your everyday bank account and uses the money in this account every time you make a transaction. Your debit card acts just like cash and lets you access your money 24/7. You can make payments and purchases in-store as well as online using your Visa Debit card.

How is a Visa Debit card different from a credit card?

The main difference between a Visa Debit and a credit card is that with a credit card you actually 'borrow' money from the bank at a fixed interest rate, whereas a debit card uses your own money.

With a Visa Debit you don't run the risk of piling up a debt because you can only spend what you have in your bank account. Also, unlike a credit card, since your money on the debit card is treated like cash, you don't have to pay an extra fee while withdrawing money from your own bank's ATM.

How can I apply for a Visa Debit card?

A Visa Debit card is directly linked to the transaction bank accounts of certain banks. So when you apply for an everyday transaction account at one of these banks, you
should automatically get a Visa Debit card as well. If you already have an account but not a debit card, you can visit your local branch or call your bank to apply for a card.

How old do I have to be to get a Visa Debit Card?

Generally, to be eligible for a debit card, you have to be at least 16 years of age, and have an Australian residential address. Because you won't be borrowing any money from the bank, you don't even have to qualify for credit to receive a Visa Debit card.

Is it safe to use a Visa Debit card?

Using a Visa Debit card is a simple and secure way to make payments. Banks have an anti-fraud policy that protects you from fraudulent transactions made on your card. It's also safer than carrying cash in your wallet because in case you were to lose it, unlike with cash, you can just call your bank and block further transactions from your card.

Do I get purchase protection on my Visa Debit card?

The products that you buy using your Visa Debit card, should be eligible for Visa's inbuilt purchase protection policy. This is a kind of insurance which covers your purchases against loss, theft or accidental damage for up to 90 days. There are certain conditions in order to be eligible for the purchase protection, for instance, generally you would have to choose 'credit' instead of 'savings' while making a transaction on EFTPOS.

Can I use Apple Pay or Samsung Pay with a Visa Debit Card?

If your bank supports Apple Pay or Samsung Pay or any other digital payment wallet you will be able to add your Visa Debit Card to the wallet and make payments via your Apple iphone, Apple Watch or Samsung Galaxy phone.

Any payments made will come out of your bank account, just the same way that payments made using the physical card do.

Can I use tap and go technology with my Visa Debit card?

Yes, you can use the tap and go technology, also known as payWave with your Visa Debit card. This contactless payment lets you make a purchase of less than $100, without having to swipe your card or enter a pin. You can just tap or hover your debit card over the contactless payment machine and your payment is complete. Once your transaction is successful the machine would either display an illuminated light or a confirmation message on its screen.

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JP Pelosi
Managing editor

Jean-Paul (JP) Pelosi is an experienced journalist and editor who has contributed to many of Australia's leading media outlets including The Guardian, News.com.au, Domain.com.au, Investment Magazine and ANZ's Bluenotes. He has also edited news and communications for large financial services companies such as CommBank, Suncorp, Allianz and Amex. He loves a well told story and applying his editorial experience to content that readers both care about and enjoy. JP heads up our writing team.

More FAQs about Visa Debit Cards

Is there a withdrawal limit on my Visa Debit card?

Most debit cards have daily limits for cash withdrawals. If you are planning on making a major purchase, say over $1000, you would have to split up your withdrawals.

Can I get rewards for purchases made using my Visa Debit card?

These days, many Visa Debit providers have started offering rewards in the form of cash back options, special deals on shopping items or exclusive offers on concert or movie tickets. Check with your bank if any rewards program like 'Visa Entertainment' is applicable to your Visa Debit card.

Where can I use a Visa Debit card?

There are millions of stores, ATMs and EFTPOS across the world that accept Visa Debit cards. You can also make purchases online and over the phone. It's also a good way to pay your bills and even set up monthly debits so you don't miss payment deadlines and end up with late fees.

Are there instances when my Visa Debit Card won't be accepted?

Yes, generally you will not be able to use your Visa Debit card for holding deposits at places like hotels or restaurants. If you are travelling, it's a good idea to also have a credit card that you can use in these instances.

Debit Card Reviews

Bank of Melbourne Debit Card review
Overall 7/10
Service needs improvement

We have had a few issues with fraud through our debit cards.

Read full review

We have had a few issues with fraud through our debit cards.

Price
7/10
Features
6/10
Customer service
7/10
Convenience
8/10
Trust
7/10
Less
Alana, Victoria reviewed 11 months ago
Commonwealth Bank Smart Access review
Overall 10/10
Great banking experience

Commonwealth are continually delivering excellent services with confidence.

Read full review

Commonwealth are continually delivering excellent services with confidence.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Gordana, Victoria reviewed almost 4 years ago
Westpac Debit Card review
Overall 10/10
Fantastic service

Westpac are very helpful and have been in my life since the school days.

Read full review

Westpac are very helpful and have been in my life since the school days.

Price
8/10
Features
7/10
Customer service
10/10
Convenience
10/10
Trust
7/10
Less
Jeff, Queensland reviewed almost 4 years ago