Visa Debit Card

Visa Debit cards

Are you an existing rediCard customer transitioning to a Visa Debit card? Click HERE.

 

What is a Visa Debit card?

A Visa Debit card enables you to use your own money from your transaction account to make purchases online, overseas, over the phone and with a merchant wherever Visa is accepted. The same card also gives you access to Australian and international ATMs where the Visa PLUS logo is displayed.

Who can apply for a Visa Debit card?

You must be 16 years of age or older to apply for a Visa Debit card.

How can I apply for a Visa Debit card?

Calling 08 9021 6444; or
Visiting any of our offices.

You will receive a Visa Debit card and your allocated PIN number within 4-6 business days.

Can I have an additional card/s?

Yes. You can choose to have an additional card or cards issued to family members or anyone else of your choosing, provided they are over 16 years of age. The additional card/s operate in the same way as your primary card and you will be responsible for their usage.

Can I still access telephone and internet banking services?

Yes. Phone banking is accessible by calling 08 9022 8811. Internet banking is available by clicking HERE.

How is the Visa Debit card used to make purchases?

When the Visa Debit card is used at an EFTPOS terminal, customers have the option of either selecting the savings option to withdraw cash with your purchase, or by selecting the credit option. The credit option will still access your own funds.

How can I save on fees using the Visa Debit card used to make purchases?

By selecting the ‘credit’ button rather than the 'savings' or 'cheque' button when making purchases, the transaction will not count towards your free monthly withdrawal transactions. Note that all transactions using Visa PayWave are processed as credit transactions and do not incur fees.

Will my card be issued with the PayWave functionality?

Yes. Visa PayWave is a contactless method of payment. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to tap their card on a contactless POS terminal to make transactions up to $100, rather than swiping or inputting their card into POS terminals. Refer below for more information.

What is the difference between a Visa Debit card and a Visa credit card?

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. A Visa credit card also provides you with a credit limit, which can be utilised and repaid at a later date. Unlike the Visa credit card, the Visa Debit card does not have an overdraft facility (unless you apply for one) and no interest charges apply unless you become overdrawn.

Can EFTPOS still be used?

Yes. To use EFTPOS, the Visa Debit card can be used in the same manner as a rediCARD, where the savings option is selected and your PIN is keyed in when paying for purchases.

Will I receive a PIN number with my Visa Debit card?

Yes. For a new or additional card, the card will be sent to you in the mail after you receive your PIN.

Can I use my Visa Debit card overseas?

Yes. The Visa Debit card is accepted at more than 24 million locations worldwide (fees will apply). You can also make withdrawals from ATMs where the Visa PLUS logo is displayed. This can help avoid carrying large portions of cash (withdrawal fees apply).

Will I need a PIN number for overseas transactions?

Yes. Whether you are using a magnetic strip or chip card, we strongly recommend that you know your PIN before travelling overseas. If you do not know your PIN, please contact us on 08 9021 6444 and a new one will be issued.

What if my card is lost or stolen?

If your card is lost, stolen or you believe it may have been compromised, you must advise us immediately.

 

If my card is lost or damaged, will there be a card replacement fee?

Yes. A card replacement fee is payable when a card is damaged, captured, lost or the PIN is forgotten.
If you are overseas when your card is lost, stolen or damaged, you can contact Visa Global Customer Assistance to request an emergency card. The cost for this service is $300.

Will my card be embedded with a chip to give me greater protection from fraud?

Yes. All new, renewed and replacement Visa Debit cards are issued with chips in line with the Global Standards for card security.

Can I make internet, phone or mail order purchases using my Visa Debit card?

Yes. Visa Debit card gives you all the convenience and access to the worldwide Visa network, enabling you to make purchases online or over the phone, such as booking tickets or paying a bill.
To make internet, phone or mail orders it is as simple as quoting your card number,expiry date and the CVV number (the three digit code located on the back of your card to the right of the signature panel) if requested.

Can I set up recurring transactions?

Yes. You can set up recurring transactions to other organisations like insurance or car repayments to be charged to your card.

What is "Verified by Visa"?

Verified by Visa is a free service to ensure that you are protected while shopping online with your card at participating merchants. All cards are automatically protected.

What are the terms and conditions of use for the Visa Debit card?

Please click HERE for a link to the terms and conditions of use and other disclosure statements.

 

Frequently asked questions - Visa payWave

What is Visa payWave?

Visa payWave is a contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals. The cards have a tiny antenna embedded into the chip which securely transmits payment instructions to and from a specially adapted card terminal. payWave cards feature a distinctive contactless mark and POS terminals for payWave cards will also feature a contactless symbol.

How do I use my Visa payWave card?

You can make payWave transactions by holding your card within 5cm of the secure contactless reader. This takes no more than half a second. You can then remove your card and the transaction will be complete. The reader will indicate approval of the transaction. You can choose to have a receipt, but this is optional. Your Visa payWave card still has all the regular features of a non-payWave card, so you can still ‘swipe or dip’ your card.

Where can I use my Visa payWave card?

You can use your Visa payWave-enabled card at any retailer displaying the contactless symbol at the point of sale, in Australia or overseas.

What are the benefits of payWave?

A Visa payWave-enabled card is a quicker and more convenient way to pay, with the following benefits:  

Can I still use my card the same way?

You can still use your payWave card at ATM’s and you can make EFTPOS transactions simply by entering your PIN.

Can I choose not to have a payWave card?

The option to elect a non-payWave card is not available as all new and renewal cards will be automatically issued with payWave. However, you do have the option not to use the payWave functionality if you choose. You can still choose to ‘swipe or dip’ your card using a PIN even if a payWave contactless terminal is available.

Why do I not have a choice to select a payWave card or a non-payWave card?

Unfortunately, the option to choose is not available for customers. However, there are many benefits associated with using a payWave card in terms of ease of payment and convenience. You can still choose to use your card in the way you are most comfortable with – whether by payWave or using your PIN. All payWave Visa cards carry Visa’s Zero Liability Policy, which ensures that you are not responsible for unauthorised transactions in the rare instances they occur. If you suspect any unauthorised charges on your card, please call us immediately.

Can I use my payWave card overseas?

Yes, you can use your payWave card wherever the contactless symbol is displayed, whether in Australia or overseas. The Visa payWave-enabled card can be used for traditional transactions at millions of locations worldwide wherever the Visa logo is displayed, including over the internet, telephone or via by mail order.

Can I use my payWave card at retailers that do not have Visa payWave terminals?

Yes, you can still use your payWave card as the card’s chip and magnetic strip also allows the card to be used in the same way a traditional Visa card is used: by using a PIN.

Do I need to select credit, savings, or cheque buttons when I make a transaction?

No. You do not need to make any selection as Visa payWave transactions are automatically routed through the credit button.

Is there any chance that payments may be taken twice from my account?

No. Visa payWave terminals are designed to only make one transaction per card at a time. All Visa payWave terminals are tested and certified to confirm that a card is only read once, before the transaction is concluded. As a safeguard, each transaction must be complete or void before another one can take place.

Is the transaction information secure?

Yes. The transaction information is secure because Visa payWave platform is based on secure EMV chip technology that provides both data protection and transaction security via the use of keys and the latest encryption technology. Transactions are processed through the same reliable payment network as magnetic strip and chip transactions.

What features of a contactless card make it secure?

The security features of Visa payWave enabled cards include:

In addition, cardholders remain in control of their cards during the entire transaction, further reducing the risk of fraud.

Can I get cash out with a Visa payWave transaction?

No. You can only obtain cash via the ATM or EFTPOS network using the payWave card.

What is Visa's Zero Liability Policy?

This policy is Visa’s guarantee that Visa cardholders will not have to bear any liability for an unauthorised transaction, which includes transactions done through theft of the card or card fraud.

How does Visa’s Zero Liability Policy work?

You are protected by this policy when you do the following:

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 card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details. You should review your regular statement and report any fraudulent activity as soon as possible. There is a limit on the reasonable time period from when you can make a claim on fraudulent activity that has taken place.

Can my identity be stolen through the chip in my hand?

Only minimal account and information is stored on a Visa payWave card, which is no more than traditional magnetic strip cards or contact chip cards. Visa payWave cards do not transmit the cardholder name or other personal details such as address or contact details, hence such information cannot be accessed by unauthorised methods.

Can a counterfeit card be created from intercepted contactless data?

The card contains an embedded chip that uses advanced cryptographic security to generate a unique code for each and every transaction. If a criminal attempts to use intercepted data to manufacture a counterfeit card, the bank that issued your card would be able to identify and prevent the transaction.