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Custom Debit Cards
Explore your options for customising your debit card to suit your personality right here with Savvy.
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Up Everyday Account | |||||||||||||||||||
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Use invite code SAVVY10 for $10 upon successful sign-up. (Refer to offer T&Cs on Up website)More details |
- Make 5 successful purchases using your Up or 2Up debit card, Apple Pay™, Google Pay™ or other digital wallets in a calendar month to qualify for interest. ATM transactions or transfers are not included.
- No overseas purchase fees when travelling abroad with Up.
- Auto-spend categorisation helps you better understand your purchase habits.
ING Orange Everyday | |||||||||||||||||||
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Rebates on ATM fees anywhere in Oz. No ING international transaction fees. Zero monthly fees.More details |
- $0 ING international transaction fees
- 1% cashback on eligible utility bills
- Australia's Most Recommended Bank
NAB Classic Banking Account | |||||||||||||||||||
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No monthly account fees ever, with no conditions. Free use at over 7,000 ATMs around Australia. No overdrawn fees if you happen to go over your account balance. Open an account in less than 7 minutes.More details |
- No monthly account fees and no minimum monthly deposits
- No overdrawn fees if you happen to go over your account
- No ATM withdrawal fees at over 7,000 ATMs across Australia
- A NAB Visa Debit card for all your everyday spending
St.George Complete Freedom Account | |||||||||||||||||||
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Get $40 with a new Complete Freedom everyday bank account.More details |
- Get $40 when you open a new Complete Freedom account online and deposit $500 within 30 days
- Zero fees
- Manage your card with internet and mobile banking
- Fraud money back guarantee
Westpac Choice | |||||||||||||||||||
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Westpac Choice for easy day-to-day bankingMore details |
- Pay $0 monthly fee if you’re under 30
- Track trends in Cash flow to stay in control of your monthly budget while tagging expenses in Categories to better understand your spending
- Use Osko by BPAY so you can pay and get paid in seconds
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Custom debit cards explained
Can I get a customised debit card in Australia?
There’s very limited choice when it comes to customising your debit card from a bank or financial institution in Australia. Most banks give you a wide choice of bank accounts to choose from, but either no choice or a very limited selection of colours and designs to personalise your linked debit card.
The nearest you can come to customisation is choosing the colour of your card, an option which is offered by ME Bank, Bendigo Bank and ANZ Bank. ME Bank in particular has a range of five different card colours to choose from when you open a transaction account with them.
Football fans may be keen to choose a Geelong Cats or Adelaide Crows Mastercard from Bendigo Bank, but that’s about the extent of customised debit cards from either Mastercard or Visa currently available in Australia.
Therefore, if you want to stand out from the crowd with a customised debit card, you’ll have to first choose a debit card from a regular bank or financial institution and find a company to customise it.
You can choose the best debit card for your spending habits by comparing offers here with Savvy. Look at the fees charged, rewards offered and spending limits enforced on a wide range of cards before deciding which card is the right one for you here with Savvy.
What are my other options for getting a customised debit card?
There are many companies online who offer to customise your bank-issued debit card or prepaid card for you. To take advantage of this service, or to design your own debit card, you’ll have to lock it and send it to them via post. You’ll then receive your original card and the new customised debit card back a few days later. Some companies can even print your card onto a thin sheet of metal.
Card customisation companies can offer a range of designs for metal cards or enable you to design your own card, such as printing it with your company logo. Other companies which offer customised designs and colours for debit cards can be found on eBay, Etsy and TikTok. While there are some options available in Australia, many of these companies and services are based overseas.
An alternative to having a new customised debit card printed is to put a covering, much like a sticker, onto your existing debit card. These sticker covers have spaces and holes to allow the vital card data to be seen through the sticker or cover. The debit card information that must not be covered up by a sticker includes:
- the microchip
- the magnetic stripe
- the card number
- the expiry date
- your name
- the CVV on the back of your card
However, there are disadvantages to having a customised sticker on a debit card. The suppliers of such stickers warn not to use them in older-style ATMs and EFTPOS terminals which require you to insert your card, as there’s a risk they could get stuck inside and jam the machine.
The suppliers of metal credit cards also warn that some metal cards won’t work on newer contactless EFTPOS terminals. There’s also a risk associated with sending your debit card through the mail, even if you do lock it before you send it off. If you choose to customise your debit card and send it via post, ensure you only use a registered mail service which can be tracked to help ensure your card won't be lost in the postal system.
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More of your frequently asked questions about custom debit cards
Yes – the companies that allow you to customise your debit cards often say they can work with all types of debit card, including prepaid debit cards, Visa and Mastercard.
Changing the look of your debit card shouldn’t affect its functionality, so you should still be able to use your debit card overseas. However, as with all debit cards, check for any foreign transaction fees and currency conversion fees before using your card overseas. It’s also worth checking which ATMs you can use overseas, as using an ATM which isn’t linked to your bank could cost you between $2.50 and $5 per withdrawal.
The cost to customise your debit card will vary depending on which company you use. Some offer to print a customised debit card for just over $10, while other metal cards may cost over $100. You’ll need to factor in the additional cost of registered post when considering the overall cost of a custom debit card.
Yes – you should be able to add your customised debit card to your virtual wallet just like a standard debit card. You may find that the customised design doesn’t appear in your phone’s wallet, but this may depend on how you customise it. However, if your digital wallet won’t recognise your card, there are mobile apps available which can allow you to add unsupported cards to your virtual wallet.
When considering your options, look at the following points to compare debit cards:
- compare the fees charged if your card becomes overdrawn
- look at foreign transaction fees and ATM fees
- see what rewards points or frequent flyer points are on offer, if any
- check if there are any cashback offers applicable when you open a new linked bank account
- familiarise yourself with any spending limits which may apply to the card
- make sure it is easy to lock the card in case your card is lost or stolen
- ensure the card is compatible with the digital wallet on your phone or wearable device