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Visa Debit Card

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Visa Debit has a number of fantastic features to help you access your own funds conveniently and easily.

  • Select 'Credit' when using EFTPOS and transactions are fee-free1
  • Buy now and pay now
  • Load onto Google PayTM or Apple Pay to shop with your smart phone
  • Acceptance at 30 million locations in 150 countries (including ATMs)
  • No need for travellers cheques and credit cards
  • Shop online, overseas2, over the phone, by ATM or EFTPOS, or in person all using your own money
  • Selection of your own PIN3
  • Visa Entertainment rewards4
  • Feel secure with your online purchases at participating stores, thanks to Visa Secure
  • Cardholders aged 12 to 16 yrs have a $500 cash withdrawal limit per day

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  What is my daily contactless (payWave/Tap&Go) limit with my Visa Debit?
  • Maximum payWave transaction amount is normally $100 per transaction, but due to Covid-19 the industry has increased the limit to $200 per transaction, until 17 December 2020 . Any amount above this will require you to enter your PIN or insert your card and use your PIN.
  • Maximum of 15 payWave transactions can be made per day
  • Maximum total amount spent with payWave per day is $250
If these limits are reached, you need to insert your card and use your PIN


  What if my Debit Card is lost or stolen?

If you believe your card has been misused, lost or stolen or the PIN has become known to someone else, you have 2 options:
If you have our smartPAY App you can report your card lost or stolen, block (and unblock your card if you find it again) and change your PIN.
If you don't have our smartPAY App, you must contact us as soon as possible on 02 6763 5111, or visit your branch.


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Important Information:

1You could be charged fees for making contactless transactions within the Wesfarmers group (including Coles, Kmart, Target, Liquorland, Vintage Cellars, Bi-Lo, Officeworks). When using your Visa Debit card at these businesses, insert your card and select 'Credit' or 'Visa Debit' to ensure that it is a fee-free transaction.

2Overseas foreign currency transaction fees and charges may apply. Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.

3PIN change facility available at selected Northern Inland branches until 30 June 2020, at Northern Inland ATMs and via the smartPAY app and Online Banking..
4Free access to exclusive concert ticket pre-sales, member promotions and much more. Visit to register and for full benefits and terms.
Please read the Product Fact Sheet to see if this product suits your needs and circumstances.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc. registered in the U.S. and other countries. Read the Product Fact Sheet to determine if this product is right for you.

Android, Google Pay, and the Google Logo are trademarks of Google LLC. Read the Product Fact Sheet to determine if this product is right for you.