Visa Debit Cards
Shop online, overseas, or ‘Tap to Pay’ with Visa payWave.
Made from 82% recycled material re-purposed from post-industrial sources.
A quick and convenient way to pay with your own money
Suncorp Bank’s Visa Debit cards come with Visa payWave technology for 'Tap to Pay' payments and are made from 82% recycled material re-purposed from post-industrial sources.
They also include features to assist customers living with visual impairments, such as tactile dots to distinguish between cards and a thumb insert to correctly orientate cards into terminals.
Our Visa Debit cards are linked with Everyday Options, Everyday Essentials, Carbon Insights Account and Business Premium transaction accounts.
Convenience
- Use your Visa Debit card to withdraw money at ATMs and EFTPOS machines.
- Make purchases online, in person or over the phone.
- Visa payWave is a contactless payment method which offers a quick and easy way to pay for items under $100. You can pay for purchases $100 and over with payWave, you just need to enter a PIN to authorise the transaction.
Visa Zero Liability
Cardholder’s liability is limited to zero for unauthorised transactions, provided the cardholder notifies Suncorp Bank of unauthorised Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion.
Security
- You’re covered by Visa’s Zero Liability policy for unauthorised transactions.
- Your card is embedded with the latest EMV microchip technology, which provides both data protection and transaction security, for greater protection against fraud.
- When you're shopping online with your Suncorp Bank Visa Debit card at retailers who have signed up to Visa Secure or eftpos Secure, you may be asked to enter an SMS code before finalising your purchase. This ensures only you, the authorised cardholder, can use your Suncorp Bank Visa Debit card to make online purchases. If you do not have your mobile number registered with us, it may be necessary for you to contact the bank directly.
Visa Perks
As a Suncorp Bank Visa Debit cardholder, you have access to exclusive Australia and Overseas offers and perks provided by Visa, including:
- Discounts on hotels, car rentals and travel experiences
- A wide variety of shopping deals
- Offers on sports and entertainment
- Access to exclusive lifestyle events
Find your favourites in Visa Offers and Perks
Please refer to Visa’s website for full terms and conditions and availability and eligibility of offers and discounts.
Make sure you are eligible
- To have a Suncorp Bank Visa Debit card you'll need to apply for an Everyday Account. Account owners must be 11 years or older (unless otherwise stated on the Product Information Document) and a permanent resident of Australia.
- For Visa Debit Cards issued to customers aged 11-15 years of age, we will block known gambling, adult entertainment and certain other transactions involving restricted products or services.
Visa Zero Liability
Cardholder’s liability is limited to zero for unauthorised transactions, provided the cardholder notifies Suncorp Bank of unauthorised Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion.
Fees
- Withdrawing your money is fee-free¢ from Suncorp Bank ATMs, atmx and the ATMs of any Big 4 bank.
- There are no foreign currency conversion fees and no cash advance fees on overseas ATMs for Everyday Options, Everyday Essentials and Carbon Insights Account holders with a Visa Debit card. Holders of other transaction account types with a Visa Debit card may be charged a foreign currency conversion fee or a cash advance fee when using an ATM overseas. The foreign currency conversion fee for Visa Debit cards is 3% of the converted Australian dollar transaction amount, made or charged to your account.
For more information on fees and charges, please read the relevant Product Information Document & Terms and Conditions before making any decisions regarding these products.
Limits
The combined cash out and withdrawal limit for ATMs and in-store EFTPOS terminals is $1,000 per day per card. This limit can be increased to $2,000 per day per card by sending us a Secure Message in Internet Banking or visiting your local Suncorp Bank branch. Please be aware that by increasing your cash withdrawal limit, you will increase your liability in the event of unauthorised transactions.
Your daily cash withdrawal limit is separate from your online banking limits. Learn more about daily limits and transaction limits.
Disputing a transaction
As a Visa Debit cardholder, if you believe a transaction was not authorised or processed in accordance with your authority, you may have a right to recover the value of the transaction in accordance with the chargeback rules. Common chargeback reasons include unauthorised transaction, not receiving goods or services, duplicated transactions, cancelled membership or subscription, or a refund not being processed.
The fastest and easiest way to dispute a Visa Debit card transaction is through the Suncorp Bank App. Learn more about how to dispute a transaction.
For a transaction that you authorised, try resolving the issue with the merchant first. This is often the quickest option. If you’re not able to resolve the issue with the merchant, you can dispute a Visa Debit card transaction through the Suncorp Bank App.
Recurring payments when your card details are updated
If your card details change (e.g. if your card is reissued or replaced), Visa may send this information to merchants who you have authorised to charge recurring payments. For example, if you have authorised a recurring subscription payment for a streaming service, Visa may give your new card details to the merchant and their bank to facilitate payment continuity. This means that the subscription payment may continue to be charged without you providing the updated card details (depending on whether the merchant receives this service).
Of course, you have the option to opt out of this service. If you would like to opt out of Visa sharing your updated card details with all merchants, please contact us on 13 11 75.
Ready to apply for an Everyday Account?
Visa Debit Cards are available with our Everyday Accounts.
Home Loan, Personal and Business Banking products are issued by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882) to approved applicants only. Eligibility criteria, conditions, fees and charges apply and are available on request. Please read the relevant Product Information Document and terms and conditions before making any decisions about whether to acquire a product.
† A Suncorp Bank Visa Debit Card is required. Suncorp Bank Visa Debit Cards are not available to overseas residents, Trustee accounts, accounts where the number to sign to operate is two or more (no form of card access is allowed) or a child under the age of 11. Suncorp Bank Visa Debit Cards must have an account linked as Primary Credit Relationship. Each customer may only have one Suncorp Bank Visa Debit Card per Primary Credit account.
To be eligible for a Suncorp Bank Visa Debit Card you must be 11 years of age or older. For Visa Debit Cards issued to customers aged 11-15 years of age, we will (where possible) block purchases from merchants using the following Merchant Category Codes: Dating Services (7273), Massage Parlours (7297), Gambling Transactions (7995) , Government-Owned Lotteries (Non-U.S. region) (9406), Government-Owned Lotteries (U.S. Region only) (7800), Government Licensed Casinos (Online Gambling) (7801), Government Licensed Horse/Dog Racing (U.S. Region only) (7802), Direct Marketing - Outbound Telemarketing Merchants (5966), Direct Marketing - Inbound Telemarketing Merchants (5967) .
¢ Suncorp Bank is a member of the atmx by Armaguard (atmx) ATM Network. The deposit is taken by Armaguard on behalf of Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882) at all atmx ATMs. Fee-free access applies to the following transactions: a successful cash withdrawal, account balance enquiry, PIN change, transfer between Suncorp Bank accounts, or a cash deposit using a Suncorp Bank Visa Debit or Suncorp Bank eftpos Card. Daily withdrawal limits apply. Deposit up to 90 notes per transaction. Cheques deposits are not accepted at atmx ATMs for Suncorp Bank Customers. Terms and conditions apply. Find out more on our Suncorp Bank ATMs page.
Visa functionality provided by Visa Inc.
