Debit Cards - Having A Noteworthy Growth In Australia

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An expert has observed that Debit cards are becoming more and more popular amongst Australian buyers since it require organizing their expenses.

A debit card provides you all the liberty, flexibility and safety of a credit card, devoid of getting you into any liability and charging you interest long after you’ve taken your acquisitions home. As a replacement for credit card, a debit card lets you splurge your individual money, while not charging you any operational costs; you are able to pay your demands for payments over the phone, make acquisitions over the internet and pay with it in store, in order that you can steer clear of carrying huge quantity of hard cash.



Debit cards are utilized all over the world and even as they all work off the same concept, there are still dissimilarities, as in the case of the Australian cards.  One of the exciting facts regarding these cards from this part of the world is that conditional on the issuing bank, they are identified by a different name.  For example, following are the different names of the Australian cards and the connected banks:

  • ANZ debit card – Access Card
  • Bendigo Bank card – Cashcard
  • Commonwealth Bank of Australia card – Keycard
  • National Australia Bank card – FlexiCard
  • Westpac Banking Corporation card– Handycard

Generally Debit cards are issued by Visa and MasterCard, and these can benefit you:


·        If you have a terrible credit score and are incapable to obtain a credit card application approved.
·     If you have a poor record of paying off your credit card balance, previous to the interest free period.
·         If you are a scholar or else immature to be permitted - or to be able to acquire a credit card.
·      If you just want to be able to follow your acquisitions and expenses in one place, steer clear of transaction charges and use only what you are able to meet the expense of.

Debit cards in fact are a great financial tool. The benefits of holding one can't be denied.

Nearly all banks offer these cards, which act just like a visa debit card and debit MasterCard, devoid of potentially high fees, interest rates and debt.

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Posted by Jacob Robert

Credit Cards: Financial Assistance When Needed

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The need to borrow has increased in the current times by many folds. This need to borrow is well termed as credit in the financial terminology. The reason for borrowing can vary from person to person and from need to need however the common factor remains the same money. Gone are the days of barter system where one could exchange ones product with others product to satisfy the need. In current times money acts as the common factor for various things starting from vegetable needs, to fuel needs to bigger needs of house, car, etc.


And since not everyone is born with a silver spoon thus the need to borrow money becomes more predominant in such cases which can be many. Credit card is the modern day version of borrowing which acts as real money supplement. It is for its virtuality that it is known as plastic money.

Credit cards have gained and maintained their popularity with people from all ages. And if used wisely then there is no other bigger convenience in the current inflationary time. There are various benefits that credit cards offer with the biggest one being the availability of cash if one ran out of theirs. Another one can in linked with ease of carriage, as a credit card is like the size of a visiting card which fits well into a wallet.

A credit card is different than a debit card which is linked to ones bank account. In other words credit card is linked to the money which one has not earned but is given to them on credit when required. Obtaining a credit card can be an over-whelming task as various conditions are applied to such application. There are various things which the company looks into before giving the credit card to the applicant one of the most important of all being the credit score. Once the credit card is issued it can be used like a debit card however it is also the responsibility of the bearer to make repayments of the amount used well in time to avoid late charges.

Credit cards if used sensibly offer lot of benefits. 

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Posted by Jacob Robert

Visa Debit - The Safest Of All

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Money is the basic requirement for any and everything in the current times. And as they say nothing comes for free we work hard to earn our bit thus throwing this hard earned money is not a wise option. The every so increasing inflation rates andthe modern day lifestyles have forced many to take credit as they find it impossible to make the ends meet. Plus not everyone has a bulk of money available at all times which can be used to satisfy the immediate need. This is where credit requirement steps in.



Credit has entered our lives from all areas be it for house, car, personal needs to any other requirement. Just name it and companies have it in one form or another. Thus the importance of credit cannot be denied in any case.

In order to maintain pace with the changing lifestyles one needs to know the C words which means credit. Now-a-days credit can be obtained in the form of plastic money well known as credit cards. Credit cards have become the most convenient and popular way of obtaining credit so as to pay for varied purchases. Though qualifying for a credit card can be a challenge considering requirement of good credit score as well as the thought of cash being the safest bet for many.

Not many understand the difference that a visa debit card is not a regular credit card.  A visa debit is linked directly to ones bank account which means one can only spend that amount which is there in the account. It can be well put that a visa debit card offers the benefits of a credit card minusing the disadvantages of cost hassles. These costs can range from interest charges, fees, late payment charges to other namedpenalties.

Now-a-days there are various companies who offer visa debit card facilities right by filling an online form which is easy and requires basic details. The cards linkage with bank account makes it the safest option of the financial times as one can control the amount of money one wishes to spend. Many also prefer to call it wise card as it helps them from overspending. 

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Debit Cards In Australia

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Debit cards are everywhere. With time and technology, gone are the days when people used to carry cash for shopping or travellers check for travels. Today, we are in the generation of debit and credit cards, which gives people the liberty to go for shopping without card. Easy to carry and can be swiped in all shopping places. Debit cards and credit cards are more secured than carrying cash or checks, as they can be immediately blocked if misplaced or lost.

Debit cards are more popular than credit cards, as it prevents unsecured debt, as you spend your own money. Also, with debit cards it is easier to keep track of purchases and you can immediately check it online or receipts of ATM’s.



Almost all banks offers debit cards which are either visa debit cards or MasterCard’s without high fees or interest rates.

If you are in Australia and looking for debit and credit cards, the following cards can be highly useful.

ANZ Debit Card – This card is best for people who are looking for a debit card without mandatory credit check, as all traditional banks require. The options of direct debit are available to this card. You can operate through ATM’s and over the counter. You can choose black, blue or pink card.

NAB Visa Debit Card – NAB offers its customers three smart banking accounts which can be used with banks visa card. NAB customers have the advantage of using the debit card in any ATM in the world without any additional fee. However, certain ATM owners charge usage fee which cannot be controlled by the bank.

Westpac Debit Card – Westpac debit cards issued by Westpac gives its customers the option of shopping online, over the phone and stores with the Westpac MasterCard debit card. Westpac is the oldest financial institution of Australia and all products of Westpac are highly recommendable as they come without application fee and annual card fee. Westpac debit cards are accepted over 90000 ATM’s worldwide.

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Posted by Jacob Robert

Why Cards And Not Cash

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The modern world is ruled by technology and every effort is being made by people across the world to make life simpler and more comfortable with the use of technology. In the fast paced life, people do not have time and want convenience in every factor of life. This is why more and more people are drawn to the benefits and convenience of using debit cards and credit cards rather than cash or checks. Cards are easy to carry and can be easily swiped anywhere and everywhere making shopping easy and very convenient. There are different kinds of cards made by banks for the convenience of their consumers. Each card has its own privileges and benefits. Few of the popular cards are listed below:




·         Visa Debit Card – With the latest financial crisis, people across the globe have realised the consequences of credit and credit cards. With these Visa debit cards have become more popular. Ordinary people with limited income and budgeted expenses prefer visa debit card over credit card as they can spend within their earning limits and do not fall prey to the interest and late payment fees attached to credit cards. Hence all major banks and financial companies are including this type of debit card in their list of products.

·         Debit Master Card – Master debit card are not like traditional debit or credit card and are not tied up with banks. This is highly beneficial for people who do not have checking accounts or whose debit card has been suspended of any reason. Master debit card is accepted anywhere Master is and this gives consumers the option of buying things across the globe. Master debit card are best to carry while travelling as they are safer than carrying cash and offers similar protection to a credit card.

·         Westpac Debit Cards – Westpac debit cards are issued by the Westpac Bank of Australia and are highly recommendable for people in Australia as they are very secured and regulated. However, the charges of the Westpac debit cards are more than cards issued by smaller banks and financial institutions.

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Credit Cards And Debit Cards- Winners In Their Own Way

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Credit cards offer choice to people, to pay money for goods and services that they may not have ready cash to pay for. The credit they provide allows buyers to purchase instantly and compensate afterwards. A number of credit cardholders may even have the money to shell out, but like to add points for which they obtain rewards. Credit cards moreover mean, not having to have the ready money on you, when away shopping, and are a lot safer, than carrying huge amounts of cash.



But there are severe disadvantages in the direction of utilizing credit cards. You can put on serious debt, and if you are an uncontrollable spender, or else a “shopaholic” you can expend on your card to the maximum value, and lots of financial institutions are putting forward credit cards with limits that are excessively high for several people. This can result in a condition, where the cardholder is incapable to give the smallest amount of monthly balance, and then the financial institution is permitted to submit an application for insolvency attributable to, non-payment of the debt. This can result in your possessions being detained and put up for sale, your passport cancelled, and your credit record cleaned out, so that you are not capable to have a loan.

Furthermore, paying just the lowest amount of monthly balance can make you reimburse much more in interest than the acquisition cost.

Debit cards are perhaps better for those people, who have troubles in controlling their credit. These cards are connected to bank accounts, and you can make use of them to buy goods and services. No credit is drawn in; the fund comes from your savings account. You do not have to compensate any interest as you are not utilizing credit. In fact, you obtain interest on the money in your bank account. There is apparently no threat to your credit record, and no possibility of economic failure. Visa has a debit card, which means you are able to use it wherever a credit card is received. You can submit an application for Visa debit card at a number of financial institutions. There is moreover some MasterCard debit card, too.

Credit Cards - advantages:
  • Handiness
  • Quickness
  • Rewards plans
  • Safety of not carrying huge amounts of cash
Debit Cards - advantages:
  • No credit hazard
  • Handiness the same as various credit cards
  • No interest to reimburse 

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Debit Cards - A Preferred Spending Mode For Australians

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A lot of Australians are getting into financial problems with their credit cards and tend to increase an enormous amount of debt on it, as it is so alluring to use the money, you don't really have. Conversely, there is no possibility of this happening when you have a debit card; moreover you still have the handiness of using them, wherever credit cards are received.

ANZ Access Advantage card is one of the most excellent debit cards. It is an undemanding and straightforward bank account which you can utilize, for your daily purchases as well as savings. For a restricted time you will get a free ANZ debit card that is connected to your bank account from Visa.



A number of features you will come across, on this card are:

  • $5 monthly indefinite transactions fee.
  • Have the benefit of the additional safety of scam check, through ANZ Falcon.
  • The card can be used for bill imbursement or money withdrawals.
  • You have three special card colors to prefer from.
  • The card can be used for online dealings or to make acquisitions through phone.
  • It can be used out of the country.
  • An application does not necessitate a credit record verification.

This is the finest debit card, designed for easiness and user-friendliness.

St George Bank puts forward a Visa debit card obtainable on several accounts. These comprise the Express Freedom, Complete Freedom, Complete Freedom Student and the Retirement Access Plus accounts.

The charges at St George for a Visa Debit card are a bit more indefinite than a few other banks because the monthly fee amount relies on what sort of bank account you have your Visa debit card connected to. However whichever one you prefer, it won’t be too much of a strain on your wallet, since the most costly monthly charges for all the accounts obtainable is extremely low.

Nevertheless, if you are an undergraduate or a trainee this monthly fee will be not claimed when you have the Visa debit card allied with a St George Complete Freedom Student account.
Banking with St George provides you access to not just St George ATMs, but also Westpac and Bank SA branded ATMs, at no cost (by way of small transaction record accessible on St George ATMs).

You can also acquire access to Visa Entertainment offers which offer you elite access to a range of benefits for example, priority seating and ticketing for occasions, and money offs on lodging. This bucket-load of immense features makes the St George Debit card, a wise acquirement.

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