A Visa Debit card allows you to access your own funds but with all the benefits of Visa. You can stay in-control of what you spend and where you spend it, because it’s your money.
Virtually anywhere. Your Visa Debit card will be accepted anywhere Visa is accepted! Use your card at millions of places around the world. You can use your Visa Debit card online, overseas, over the phone, in store and at over 2.2 million ATMs worldwide.
Yes, using your Visa Debit card is a fast and easy way to pay your bills. You save time and avoid the hassle of writing cheques or waiting on the phone. You can pay even set up recurring payments.
When your Visa Debit transaction is processed through the Visa network, you’ll enjoy all the protection of a Visa transaction, which includes:
*Visa’s Zero Liability policy covers Australian and New Zealand issued Visa cards against fraud 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. For more information on Visa’s Zero Liability policy visit www.visa.com.au
You simply swipe the card, press ‘CR’ or ‘CREDIT’, and enter your four-digit PIN.
By pressing ‘CREDIT’, your transaction is processed through the Visa Network. This gives you all the protection of a Visa transaction. Your Visa Debit card still works like a debit card, using the funds from your bank account.
It’s important to know there are always available funds for any transactions a member makes.
This protects the member and the merchant they are buying from. Because funds take time to clear in and out of a member’s account, it’s not always possible to know the precise amount of money available. This sometimes happens at petrol stations and rental car companies. Funds may be put on hold to ensure a member’s balance doesn’t fall below zero. Holds are usually temporary, typically less than 24 hours.
You can spend your available account balance for purchases. If you try to spend over your available balance, the transaction may be declined. Cash withdrawals can be made up to $1000 per day.
The refund is deposited directly into your nominated account. Refunds typically arrive 1-2 days after the return.
A member’s daily spending limit may still be affected by a purchase, even if the return is made the same day.
If your Visa Debit card is lost or stolen and fraudulent activity occurs, you are protected by Visa’s Zero Liability policy*, which means you’re protected against unauthorised transactions. If you notice fraudulent activity on your Visa Debit card, promptly contact Australian Military Bank as soon as possible on 1300 13 23 28. It is important to check your statement for any unauthorised transactions.
*Visa’s Zero Liability policy covers Australian and New Zealand issued Visa cards against fraud 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. For more information on Visa’s Zero Liability policy visit www.visa.com.au
If your card is lost or stolen, contact us immediately on 1300 13 23 28. This reduces your liability if fraud losses have occurred.