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The search for the best contactless debit card Australia involves understanding more than just the convenience of paying with a simple tap-and-go.
For those researching which contactless debit card Australia best suits their needs, it’s known that the complexity lies in comparing the fine print, such as exemption from monthly fees or the fees charged on international transactions.
For example, while some cards offer cashback on low-value purchases, others stand out for paying competitive interest on the account balance. This demonstrates that choosing the ideal contactless debit card Australia is not the same for everyone.
In this guide, we will objectively analyze the main options available, based on data from November 2025. By the end, you will have all the necessary information about limits, fees, and advantages of each contactless debit card Australia. Thus, you will make the right decision, choosing the card that best meets your expectations.
Detailed Analysis of the 10 Main Contactless Debit Cards in Australia
1. HSBC Everyday Global Account Visa Debit (Contactless debit card Australia)
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This contactless debit card Australia from HSBC stands out for being a multi-currency transactional account.
It allows the customer to hold and manage up to ten different foreign currencies, taking advantage of Visa’s exchange rate for conversions.
The product does not charge a monthly fee or exchange fees, making it attractive for those who travel frequently or make international purchases.
A differentiating factor is the 2% cashback on tap-and-pay purchases under AU$100, granted when the customer deposits AU$2,000 or more per month into the account.
In addition, the physical and digital card offers free withdrawals at any HSBC ATM worldwide, full compatibility with Apple Pay, Google Pay, and Samsung Pay.
2. Suncorp Bank Everyday Options Mastercard
Suncorp Bank offers a contactless debit card Australia with a focus on budgeting tools.
Initially, this contactless Debit Mastercard is associated with a transactional account that allows the customer to create up to nine different sub-accounts.
Furthermore, the card is exempt from monthly fees and allows free withdrawals at Suncorp’s own ATMs and those of major partner banks.
However, it is important to note the 3% fee charged on international purchases, a point to be considered by travelers.
Among the benefits are cashbacks at partner retailers, support for contactless payments via Apple and Google Pay, and a mobile application that provides robust budgeting tools.
3. ING Orange Everyday Visa Debit (Contactless debit card Australia)
The ING Orange Everyday account is a debit card from ING, a direct bank founded in Australia in 1999.
Firstly, this contactless debit card Australia operates with the Visa Debit flag. In addition, it has a performance-based benefits structure.
The account is exempt from monthly fees and offers up to 5 reimbursed domestic withdrawals. There is a possibility of reimbursement of the 3% fee on international transactions if the customer meets two monthly requirements: deposit AU$1,000 or more and make at least 5 purchases.
For overseas withdrawals, there is a fee of AU$5 per withdrawal, which can be waived by meeting the criteria.
The card offers 1% cashback on gas, electricity, and water bills, a benefit aimed at household savings.
In addition, it is compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay, and offers access to the Maximiser savings account with competitive interest. Plus, free deposits via Bank@Post.
4. Ubank Spend Account Visa Debit
The Ubank Spend Account offers a contactless debit card Australia.
The Visa Debit card has no monthly fee, no minimum deposit required. And best of all, it’s a card with no exchange or international transaction fees.
Although ATM operators may charge their own fees, the bank does not impose theirs.
Benefits include free withdrawals at thousands of ATMs in Australia, instant payments via Osko and PayID.
Not to mention an app with categorization and expense tracking tools, as well as recurring bill alerts and Australian support.
5. Up Everyday Account Mastercard (Contactless debit card Australia)
The Up Everyday Account is offered by a digital neobank, the result of a partnership between the software company Ferocia and Bendigo & Adelaide Bank.
This contactless debit card Australia is a Mastercard that prioritizes the mobile experience and budgeting.
The card is known for having zero monthly fees and for offering international withdrawals and currency conversion without fees.
Furthermore, the daily withdrawal limit is AU$1,000, and purchases are limited to the total account balance.
Moreover, Up was the first Australian neobank to allow immediate provisioning in Apple Pay.
6. Macquarie Transaction Account
The Macquarie Transaction Account is a contactless debit card Australia that offers a Platinum Debit Mastercard with no order cost or monthly fee.
The appeal of this transactional account from Macquarie Group is the yield it pays on the balance, offering 4.75% per annum interest on balances up to AU$1 million.
In addition, the card eliminates the foreign currency conversion fee and reimburses ATM withdrawal fees in Australia.
Transaction limits are good: AU$2,000 per day for withdrawals and AU$30,000 for PIN purchases.
The card also offers discounts at over 50 partner retailers, and the app features enhanced security via its own authenticator. Macquarie Group emerged in 1969 and obtained authorization to form Macquarie Bank Limited in 1985.
7. Bankwest Easy Transaction Debit Card
This contactless debit card Australia is an offering from Bankwest, which is a division of Commonwealth Bank.
Firstly, the Bankwest Easy Transaction Debit Card is a Platinum Debit Mastercard ideal for travel due to the absence of international fees.
The account has no monthly fee or minimum deposit required, and the bank does not charge fees on international withdrawals or purchases. Although ATM providers and merchants may apply their own fees.
The digital account offers benefits such as free ATM withdrawals, balance viewing in different currencies directly in the app, and 24-hour Zero Liability protection against fraud.
8. ANZ Access Advantage Visa Debit (Contactless debit card Australia)
The ANZ Access Advantage is a contactless debit card Australia from the Australia and New Zealand Banking Group (ANZ), one of the oldest banks in the country.
This Visa Debit card offers unlimited transactions at ANZ and features contactless functionality via Visa PayWave, being compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
The account has a monthly fee of AU$5, but this is waived if the customer deposits AU$2,000 or more per month, or if they are a student or young person.
The typical withdrawal limit is AU$1,000 per day, and PIN purchases are limited to AU$15,000.
Regarding international transactions, a 3% fee applies to purchases and AU$5 per overseas withdrawal.
9. NAB Classic Banking Account Visa
National AustraliaAU Bank (NAB) offers the NAB Classic Banking Account, a contactless debit card Australia that can be a Visa Debit or a Platinum option.
The account is one of the most straightforward and popular, charging no monthly fee and requiring no minimum deposit.
The card offers personalized cashback in the app through the NAB Goodies program, and the app itself provides spending insights and bill forecasting.
The Platinum option, although it costs AU$10 per month, eliminates the international purchase fee and pays 1% cashback on contactless transactions up to AU$10 per month.
NAB offers access to a wide network of over 4,000 free ATMs across Australia and fraud protection via NAB Defence and Online Secure.
10. Bendigo Bank Everyday Account
The Bendigo Bank Everyday Account is a contactless debit card Australia with the Mastercard flag.
This daily transaction account is exempt from monthly fees and minimum deposit.
As a rule, what makes it interesting is its ability to function as an offset account to reduce mortgage interest, a significant benefit for those with home financing.
Although it charges 3% on international purchases and AU$5 per overseas withdrawal, it offers unlimited electronic transactions and phone transfers free of charge.
Withdrawals are free at Bendigo ATMs and EFTPOS in Australia, with a daily limit of AU$1,000.
Quick Comparison of Contactless Debit Card Australia Options
| Card | Main Focus | Monthly Fee | International Fees |
| HSBC Everyday Global Account | Multi-currency, Travel | No Fee | Free withdrawals |
| Suncorp Bank Everyday Options | Budgeting, Sub-accounts | No Fee | 3% on purchases |
| ING Orange Everyday | Fee Reimbursement, Accounts | No Fee | 3% (reimbursable) |
| Ubank Spend Account | Zero Fees, Digital | No Fee | No Fee |
| Up Everyday Account | Mobile Experience, Budgeting | No Fee | No conversion fee |
| Macquarie Transaction Account | Balance Yield | No Fee | No conversion fee |
| Bankwest Easy Transaction Debit Card | Travel, Zero International Fees | No Fee | No bank fee |
| ANZ Access Advantage | Unlimited Transactions, Customization | AU$5 (waived with AU$2k/month) | 3% on purchases, AU$5/withdrawal |
| NAB Classic Banking Account | Zero Fee, Personalized Cashback | No Fee | 3.5% on purchases |
| Bendigo Bank Everyday Account | Mortgage Offset Account | No Fee | 3% on purchases, AU$5/withdrawal |
Conclusion
Contactless debit cards Australia represent the perfect balance between practicality, security, and financial efficiency.
Current options go far beyond simple “tap and go,” offering benefits ranging from fee waivers and cashback to multi-currency accounts and balance yield.
Thus, the best contactless card will be the one that combines cost exemption, convenience, and compatibility with your financial lifestyle.
Don’t know how to order your card? See now how to apply for a charge card online in Australia.