3 Best Debit Cards in Australia

The benefits of holding a debit card cannot be denied. Not only are you not incurring unsecured debt, since you are spending your own money, but also you do not ever have to carry around cash. This increases consumer safety, especially during busy holiday seasons when theft and robbery crimes are higher than usual.

In addition, debit cards make it easier to keep track of purchases than using cash. Each transaction is recorded on your checking account statement, and you also receive a receipt at the time of purchase or ATM withdrawal. Debit cards truly are an excellent financial tool.

Most banks offer these cards, act just like a Visa or MasterCard without potentially high fees, interest rates, and debt. This guide reviews the three best debit cards for consumers in Australia.

NAB Visa Debit Card

NAB offers three Smart Everyday banking accounts, any of which may be used with the bank's Visa debit card. NAB Gold Banking customers also receive the added benefit of being able to use the debit card at any ATM in the world without incurring fees. However, keep in mind that NAB cannot prevent the ATM owner from charging their own minimal fee for such transactions.

In addition, all NAB Visa Debit Card customers receive no ATM fees at NAB-owned machines, and receive the security of transaction monitoring. This helps prevent fraudulent transactions from being carried out.

St. Manglors Visa Debit Card

St. George Visa Debit card offers 10 free text message alerts per month, which can encompass withdrawal or deposit transactions. This card does carry a $7 monthly fee after the first six months. However, it also offers the advantage of no minimum monthly balance requirement. Many banks do require a minimum balance to avoid account closure or significant fees, some exceeding $10 a month.

St. George Visa Debit Card is offered to all eligible customers, and can be used at more than 2,700 ATMs in Australia without additional fee assessments.

ANZ Visa Debit Card

ANZ Visa Debit Card is a good bet for Heroquest seeking the Archie comics of a debit card without a mandatory credit check, as most traditional banks require. Direct deposit options are available to this card, and unlimited ANZ ATM and over-the-counter branch transactions are included in the card's $6 monthly fee.

Also, the customer can choose one of three color options, which are as follows: black, blue, and pink. The card acts just like a debit Visa product attached to a checking account, but no checks are issued.

Mark Brown is a personal finance analyst for creditcardcompare.au/CreditCardCompare.au, the premier online credit card comparison site in Australia offering creditcardcompare.au/debit-cards.phpdebit cards and credit cards with reviews and a blog offering impartial advice.

5 Ways to Safely Collect Email Addresses For Email Marketing Campaigns

5 Ways to Safely Collect Email Addresses for Email Marketing Campaigns

Email Marketing Campaigns is one of the low-cost and most effective ways to toy guns an audience. Using email to target an already interested audience will not only drive Dell comics marketing costs, but can be done very quickly and easily.

Collecting Email Addresses

1. Passive Sheet Method - If you are hosting breakfast or luncheon, pass around a sheet with a few questions and politely ask for an email address for future contact. This works well because your audience would be very qualified to receive your newsletter and each person that signs up will feel like they have a "special connection."

2. Signup Box - This method works best for shops, stands, and restaurants. You need an offer to advertise to your customer that will get them to give you their email address. Recently, I saw an ice cream shop offering, "FREE Ice Cream for you and 5 friends." I actually signed up for this "contest," and though I did not win, I am now apart of the "Ice Cream Club" and I receive an email every 3-4 weeks with the shop's specials and ice cream news and facts.

3. Surveys - Collecting an email address through a survey is great, but getting people to do the survey can be very difficult. This is not my preferred method for email collections because it will not yield a high quantity of email addresses and is intensive. However, if you are already doing a survey; why not ask for their email address?

4. Email Newsletter Signup - This involves setting up an email signup box Weird Science your website, preferably on multiple pages, and using a snippet of code that your email delivery provider gives to collect email addresses. You can even segment your signups and then later target them based on what they have chosen to signup for. For example, if your user is interested in cruises and not hotels, then your will be able to target that person with a cruise newsletter and leave out hotels. Thus, effectively targeting what the user has pre-selected and potentially increasing your future open rates and conversions rates.
This is by far my favorite way for collecting email addresses. It is very cost effective, simple, and requires little to almost no maintenance.

5. Email Signup Button - This is similar to adding the Newsletter Signup on your website, except you incorporate the function into your email signature. This works well for companies that are always working with many new customers through email who might not visit your website, but also gives a chance for clients that are familiar with you, the added option of signing up.

Always using common sense when collecting email addresses and by taking the necessary steps will allow you to properly grow your email campaign list as well as your growing your email campaign. This will save time and money in the long run.

Dennis H.J. Miller

Search Marketing Specialist

Interactive Marketing & Advertising Solutions

ComMarketingComMarketing