Top 8 Best Debit Cards in Australia 2025
Choosing a debit card in Australia might seem straightforward, but the options in 2025 are more varied than ever. From traditional banks to digital-first platforms, each card comes with its own perks, fees, and quirks. Picking the right one can save you money, make travelling overseas easier, and even help you manage your finances better.
This guide explores the top debit cards in Australia in 2025, diving into what makes each one stand out, who it’s best for, and what to watch out for.
Why Picking the Right Debit Card Matters
A good debit card does more than let you pay for groceries or a coffee. It can:
- Reduce fees and save money
- Make online and international shopping cheaper
- Offer cashback or rewards on everyday purchases
- Help you track and manage spending more effectively
- Integrate with digital wallets for tap-and-go convenience
Choosing the right debit card upfront can prevent headaches later, think less wasted money on unnecessary fees and a smoother banking experience overall.
Top Debit Cards in Australia for 2025
1. HSBC Everyday Global Account
Best for: International travel and cashback
The HSBC Everyday Global Account is built for Aussies who frequently travel overseas or shop online from international stores.
Key Features:
- $0 monthly account fees
- Up to $50/month cashback on eligible tap-and-pay transactions
- No international transaction fees or ATM withdrawal fees abroad
- Supports multiple currencies, including USD, EUR, and GBP
- Compatible with Apple Pay, Google Pay, and Samsung Pay
Why it’s great:
If you’re travelling or making purchases from international websites, the HSBC Everyday Global Account helps you avoid nasty currency conversion fees. For example, buying that overseas skincare product online won’t cost an extra few dollars in fees. Plus, the cashback feature on tap-and-pay purchases rewards your daily spending.
Who should get it:
This account suits frequent travellers, expats, or anyone who spends online internationally. Even if you only travel occasionally, avoiding foreign transaction fees can save hundreds of dollars each year.
2. Suncorp Bank Everyday Options Account
Best for: Budgeting and digital wallet integration
Suncorp’s Everyday Options Account is ideal if managing your money is your priority.
Key Features:
- $0 monthly account fees
- No ATM withdrawal fees
- Works with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
- Built-in budgeting tools in the mobile app
Why it’s great:
The real highlight here is the budgeting features. The app automatically categorises your spending, showing you where your money goes each month. It’s perfect for people who want to plan ahead, track expenses, and avoid overspending.
Practical tip:
Set up alerts for when you’re nearing your monthly spending limit in certain categories. It’s a simple way to stay on top of bills and discretionary spending without stress.
Who should get it:
Anyone who wants to get better at budgeting or wants full control over day-to-day finances. It’s especially useful for students, young professionals, or families managing multiple expenses.
3. ING Orange Everyday Account
Best for: Cashback and ATM fee rebates
The ING Orange Everyday Account rewards you for regular spending and can save you money on ATM fees.
Key Features:
- $0 monthly account fees
- Rebates on up to 5 ATM withdrawals per month
- 1% cashback on eligible utility bill payments
- No foreign transaction fees if conditions are met
Why it’s great:
Not only do you get cashback on bills, but you also avoid annoying ATM fees, which can add up quickly. Imagine withdrawing cash a few times a month — ING covers those fees, so more of your money stays in your account.
Practical tip:
Pair this account with a budgeting strategy. Pay your utility bills via the Orange Everyday Account to earn cashback automatically, and use the rebate feature when withdrawing cash locally or overseas.
Who should get it:
This account suits Australians who want to make their money work for them, enjoy rewards, and avoid unnecessary fees. Ideal for families, renters, or anyone with regular utility expenses.
4. Macquarie Bank Transaction Account
Best for: Earning interest on balances
If you like to keep a bit of a buffer in your account, Macquarie Bank’s Transaction Account helps your money grow while still offering the convenience of everyday banking.
Key Features:
- $0 monthly fees
- No ATM withdrawal fees
- Earns up to 2% p.a. interest on your balance
- Apple Pay and Google Pay compatibility
Why it’s great:
Many debit cards don’t pay any interest, but this one rewards you for keeping a balance. Even a few thousand dollars in your account can earn some extra cash each year.
Practical tip:
Use this as your primary account for receiving income and paying bills while keeping surplus funds here to benefit from the interest. Combine it with another account for everyday spending to make it more efficient.
Who should get it:
Great for anyone who maintains a moderate balance in their account, such as working professionals, freelancers, or small business owners.
5. Wise Personal Account
Best for: International spending and currency exchange
Wise is a standout for anyone dealing with multiple currencies.
Key Features:
- No monthly fees
- Spend in over 40 currencies
- Uses real exchange rates with no hidden markup
- Compatible with Apple Pay and Google Pay
Why it’s great:
If you regularly send money overseas, shop internationally, or travel a lot, Wise saves you significant fees compared to traditional banks. Transactions are fast, transparent, and cost-effective.
Practical tip:
Top up your Wise account in AUD, then spend in the local currency of your travel destination for a real-time exchange rate. You’ll avoid expensive ATM or conversion fees often charged by other banks.
Who should get it:
Expats, frequent travellers, online shoppers buying from international retailers, and freelancers working with overseas clients.
6. Revolut Standard Account
Best for: Global spending and financial management
Revolut isn’t just a debit card; it’s a full financial management tool.
Key Features:
- $0 monthly fees
- Spend in multiple currencies
- Built-in budgeting tools and spending insights
- Apple Pay and Google Pay compatible
Why it’s great:
You can set monthly spending limits, receive notifications in real-time, and even see where your money goes by category. Plus, it’s perfect for online shopping or international transactions.
Practical tip:
Use Revolut for travel or online purchases in foreign currencies while keeping another account for regular bills to make the most of budgeting insights.
Who should get it:
Anyone who wants a clear picture of their spending, travels occasionally, or needs to handle multiple currencies without headaches.
7. Ubank Spend Account
Best for: Fee-free banking
Ubank keeps it simple. No monthly fees, no ATM withdrawal fees, and a clean, straightforward interface.
Why it’s great:
It’s perfect for people who just want a basic, cost-effective account with no hidden surprises. You can still use Apple Pay and Google Pay, and everything else is standard banking without extra charges.
Practical tip:
Pair Ubank with a high-interest savings account to get the best of both worlds: everyday fee-free spending and growing savings.
Who should get it:
Budget-conscious Australians, students, or anyone who prefers simplicity over fancy features.
8. Up Everyday Account
Best for: Digital experience and customer satisfaction
Up is known for its user-friendly mobile app, clever budgeting features, and excellent customer support.
Key Features:
- $0 monthly fees
- No ATM withdrawal fees
- Intuitive mobile app for budgeting and financial insights
- Apple Pay and Google Pay are compatible
Why it’s great:
The digital-first approach makes it easy to manage money on the go. You can round up purchases for savings, create virtual sub-accounts for different goals, and even track recurring payments effortlessly.
Practical tip:
Use Up’s sub-accounts to separate bills, savings, and daily spending — it makes budgeting feel less like a chore and more like a game.
Who should get it:
Young professionals, tech-savvy users, or anyone who prefers a seamless mobile banking experience.
How to Choose the Right Debit Card?
When deciding, consider these points:
- Fees: Look for low or no monthly fees, and check ATM and foreign transaction costs.
- Rewards: Cashback or bill rebates can add up over time.
- Travel: If you travel overseas, choose a card with no foreign fees or multiple currency options.
- Budgeting Tools: Apps or built-in features make tracking spending easier.
- Digital Wallet Compatibility: Apple Pay, Google Pay, or Samsung Pay can make everyday payments quicker and safer.
FAQ: Best Debit Cards in Australia
Q1: Can I hold more than one debit card account?
Yes. Many Aussies maintain multiple accounts — one for everyday spending, one for savings, or one for travel.
Q2: Do debit cards earn interest?
Some do, like Macquarie Bank’s Transaction Account, but most standard cards don’t.
Q3: Are international payments safe with debit cards?
Yes, as long as your card is enabled for international transactions and used through secure apps or websites.
Q4: Can debit cards be used for online shopping overseas?
Absolutely. Cards like HSBC Everyday Global, Wise, and Revolut are designed for safe, low-cost international transactions.
Q5: Can I get cashback with any debit card?
Yes, cards like HSBC Everyday Global and ING Orange Everyday offer cashback on eligible transactions or bills.
Final Thoughts
Your choice of debit card in 2025 can make everyday spending, budgeting, and travelling simpler and more rewarding. Whether you want fee-free banking, cashback, budgeting tools, or international convenience, there’s a card that fits your lifestyle.
Take the time to compare features, read the fine print, and choose the one that aligns with your needs — it could save you hundreds of dollars each year and make managing money much less stressful.
Important Note: While we’ve provided up-to-date information on these debit cards, features, fees, and offers can change at any time. We cannot guarantee that all details are accurate or current. For the most reliable information, please check directly with the bank or provider before opening an account or making any financial decisions.