The utilization of debit cards has turn out to be a lot more widespread in the last decade, with a lot of customers now utilizing them instead of the credit card, cheque or cash.
A lot of people carry almost no money at all with them and make use of their debit card for all their purchases. Nearly all banks nowadays offer debit cards as a regular feature of their current bank accounts. It is used instead of hard cash to make purchases and other transactions, and usually work as an ATM card. It can moreover be utilized to make online purchases, for example buying movie tickets etc. The cash is taken out straightforwardly from the bank account, which the card is linked with.
When thinking about the benefits and drawbacks of debit cards, we should also think about its substitutes, for example hard cash, cheques as well as credit cards. In a lot of ways, debit card is preferable to all the other three options: as, carrying cash everywhere is not safe, and is not recoverable if your wallet/handbag is misplaced or stolen; nowadays cheques are more and more perceived as obsolete, and usually call for a bank card as a precaution in any case; moreover, credit cards are not offered to everyone and is not advantageous for clients who want to remain debt-free.
Debit card is very much like a credit card. The major dissimilarity is that by a debit card you are able to just spend the funds that you have in your bank account. This might be acknowledged as a benefit, since it avoids getting into debt. On the other hand, others might see this as a drawback, as they might be unable to make their chosen acquisition through it!
If you are in search of Australian debit cards, take a look at these providers...
St George Express Freedom
Visa offers the St George Debit Card via their low cost online banking account. There is a small monthly bank account service charge of $3 and this is not claimed, if you submit a low amount of $2,000 into your bank account till the last business day of the month.
CommonwealthDebit MasterCard
CBA make use of MasterCard as their chosen partner. Commonwealth Debit card charges are $4 a month; however these are ignored for permanent tertiary students as well as old pensioners. This offers uncomplicated access to your funds wherever MasterCard is acknowledged, with approximately 27 million places internationally.
Westpac Debit Card
This card has no monthly charge and offers all the benefits linked with the MasterCard. You get the help of banking with one of Australia's big bank, with access to a large ATM network. It moreover provides you access to the MasterCard Applause service. 
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