Compare the best business debit cards in Australia
Last updated: 30 Jun 2025
Knowing what to look for when comparing business debit cards in Australia is key to finding one that fits your company’s needs.
Key takeaways
- Business debit cards let you spend directly from your available account balance, making them cost-effective and low-risk for everyday transactions
- Some cards, like the World Card, support multi-currency payments and charge zero foreign exchange fees, which is ideal for companies with global suppliers
- Traditional bank cards (ANZ, NAB, CommBank, Westpac) have no card fees but may charge up to 3.5% on international transactions
- Cards like Airwallex and Wise offer multi-currency support but are linked to paid business accounts with no cashback
- Key features to prioritise include spend controls, automated expense tracking and real-time security features for team use
Whether you’re a sole trader, small business, or fast-growing global e-commerce brand, having the right debit card can make everyday business transactions smoother, more secure and more cost-effective for you.
In this guide, we compare the top business debit cards in Australia and highlight their key features, fees and perks to help you choose the right one.
Table of Contents
What are business debit cards?
Directly connected to your business bank account or online business account, business debit cards are a seamless way to purchase services and goods for your company’s daily operations. Compared to credit cards that allow businesses to borrow funds up to a specific limit, debit cards draw funds directly from the business’s available balance.
Debit card transaction fees are usually lower than credit card fees and there are no late payment charges to worry about. These lower costs can add up to big savings, especially for businesses with tight budgets.
Key features to look for in a business debit card
Before getting a new business debit card, there are several factors that you should consider:
Fees and charges
A card might appear free at first glance, but hidden costs can add up quickly. Always read the fine print. Pay close attention to fees for issuing new cards, international transaction fees and the monthly or annual fees associated with the business account linked to the card.
Cashback and rewards
Many top business debit cards in Australia offer cashback and rewards. Look at what kind of cashback they offer and how you can make the most of it based on how your business spends money.
Automated expense management
If you plan to give team members their own cards, choose a business debit card offering automated expense tracking and reconciliation. It saves time, improves accuracy, helps prevent fraud and gives you better control over team spending.
Spend control
You should be able to set up spending limits and controls for every business card that gets issued. Spend controls allow you to prevent overspending and ensure that employees only use the company funds for approved expenses.
Security
Look for debit cards for businesses that offer security features such as two-factor authentication and 3D Secure for online transactions. You should also be able to freeze/unfreeze cards instantly and monitor transactions in real time.
Support for international payments
The business card should support international transactions in multiple currencies and offer competitive exchange rates.
Top business debit cards in Australia
1. World Card
The World Card is a multi-currency debit card that lets you pay in 150+ currencies, wherever Mastercard is accepted. You can get up to 20 World Cards for your company and set spend limits for each card.
The World Card is linked to your World Account, a multi-currency account which allows businesses to set up local currency accounts in 15+ currencies – each with a unique account number and bank code.
When you use the World Card to make payments in 15 supported currencies (such as USD, GBP, EUR, CNH), there are zero foreign exchange fees (as long as you have sufficient balances in your account in the supported currencies). For payments in all the other currencies, a competitive exchange rate applies.
Pros of the World Card include:
- Zero foreign exchange fees when spending from local account balances
- Issue 20+ cards for your team members and employees
- Set spending limits for each card
- Zero charges for signing up for a World Account or receiving payments into it
- Automated account reconciliation and expense management
- Earn 1% cashback on monthly spend, always*
*Cashback promotions are subject to change at any time. *T&Cs apply
| World Card fees | |
|---|---|
| Card | Free (up to 20) |
| Account linked to the card | Free |
| International transaction fees |
2. ANZ Business Visa Debit Card
The ANZ Business Visa Debit Card allows Australian businesses to pay for expenses online, in-store, or overseas. It is also compatible with Apple Pay and other digital wallets 1. The card is issued in the company’s name and you’ll need an eligible ANZ business account to get it 1.
Pros and cons of the ANZ Business Visa Debit Card
| Pros | Cons |
|---|---|
| ANZ Business Visa Debit Card fees 2 | |
|---|---|
| Card | Free |
| Account linked to the card | AUD 0 to AUD 10 per month 3 |
| International transaction fees | Up to 3% |
3. NAB Business Visa Debit Card
NAB’s Business Visa Debit Card gives business owners seamless access to funds by making online and in-store transactions easy. The Visa-powered debit card has to be linked to an existing NAB business account before you can start using it for domestic and international purchases 4.
Pros and cons of the NAB Business Visa Debit Card
| Pros | Cons |
|---|---|
| NAB Business Visa Debit Card fees | |
|---|---|
| Card | Free 4 |
| Account linked to the card | AUD 0 to AUD 10 per month 5 |
| International transaction fees | Up to 3% 4 |
- Open 15+ local currency accounts and get paid like a local
- Pay suppliers, partners and staff worldwide in 100+ currencies
- Collect payments for free from 130+ marketplaces and payment gateways, including Amazon, Etsy, PayPal and Shopify
- Take control of spending with the World Card, a business expense card that saves you more with 1% cashback. Learn more
- Save with competitive exchange rates on currency conversions and transfers
- Lock in exchange rates for up to 24 months for cash flow certainty
4. CommBank Business Visa Debit Card
Similar to NAB, CommBank also offers a Visa debit card with business bank accounts that you can use in-store and online. Digital card access is available instantly and users can make purchases online until the physical card arrives 7.
Pros and cons of the CommBank Business Visa Debit Card
| Pros | Cons |
|---|---|
| CommBank Business Visa Debit Card fees | |
|---|---|
| Card | Free 7 |
| Account linked to the card | AUD 0 to AUD 10 per month 7 |
| International transaction fees | Up to 3.5% 8 |
5. Westpac Business Debit Mastercard
Westpac’s Business Debit Mastercard lets you make payments and withdraw funds from your business bank account 9. You can add additional cardholders who can use the debit card in different places at the same time 9.
Pros and cons of the Westpac Business Visa Debit Card
| Pros | Cons |
|---|---|
| Westpac Business Mastercard Debit Card | |
|---|---|
| Card | Free 9 |
| Account linked to the card | AUD 0 to AUD 10 per month10 |
| International transaction fees | Up to 3% 10 |
6. Airwallex Borderless Card
Airwallex Borderless Card is a Visa-powered multi-currency debit card that supports payments in various currencies with no foreign exchange fees in 10 supported currencies (if sufficient funds are available) 13. Airwallex business account holders can get company and employee cards, each with spending controls 14.
Pros and cons of the Airwallex Borderless card
| Pros | Cons |
|---|---|
| Airwallex Borderless Card12 | |
|---|---|
| Card | Free |
| Account linked to the card | AUD 29 to AUD 499 per month (Zero, if you deposit at least $5K per month or hold a minimum balance of $10K) |
| International transaction fees | 0.5% for USD, HKD, CNY, AUD, EUR, GBP, CAD, SGD, CHF, NZD and JPY; 1% for all other currencies Foreign transfer fees and currency conversion fees apply |
7. Wise Business Debit Card
Wise Business debit card is powered by Mastercard and supports over 40+ currencies 16. You can get up to three virtual multi-currency debit cards for your team at no additional cost 17. For more virtual cards, you’ll have to remove and replace the existing ones.
Pros and cons of the Wise Business card
| Pros | Cons |
|---|---|
| Wise Business Card 16 | |
|---|---|
| Card | Free |
| Account linked to the card | AUD 65 one-time fee 17 |
| International transaction fees |
Top business debit cards in Australia – Comparison
| Card | Card fee | Monthly account fee | International transaction fees |
Multi- currency support |
Employee/ additional cards |
Cashback/ perks |
|---|---|---|---|---|---|---|
| 🌟 World Card | ✅ Free | ✅ Free | ✅ Zero if paying in a supported currency with sufficient funds 🔁 Up to 1.5% if conversion is required |
✅ Yes |
✅ Up to 20 cards free | ✅ 1% cashback on all eligible spend* *T&Cs apply |
| ANZ Business Visa | ✅ Free | AUD 0–10 | Up to 3% | ❌ No | ❌ Not mentioned | ❌ None |
| NAB Business Visa | ✅ Free | AUD 0–10 | Up to 3% | ❌ No | ❌ Not mentioned | ✅ SaaS discounts (via Visa) |
| CommBank Business Visa | ✅ Free | AUD 0–10 | Up to 3.5% | ❌ No | ❌ Not mentioned | ✅ Some business discounts |
| Westpac Business Debit | ✅ Free | AUD 0–10 | Up to 3% | ❌ No | ⚠️ Same card used by multiple people | ❌ None |
| Airwallex Borderless Card | ✅ Free | AUD 29–499 | 0.5% for major foreign currencies 1% for others |
✅ Yes |
✅ Depends on pricing plan | ❌ None |
| Wise Business Card | ✅ Free | AUD 65 one-time | Zero if you have available funds in the same currency Otherwise, the currency conversion fee starts at 0.65% |
✅ Yes | ✅Max 3 virtual cards at once | ❌ None |
| Card | Card fee | Monthly account fee | International transaction fees |
Multi- currency support |
Employee/ additional cards |
Cashback/ perks |
|---|---|---|---|---|---|---|
| 🌟 World Card | ✅ Free | ✅ Free | ✅ Zero if paying in a supported currency with sufficient funds 🔁 Up to 1.5% if conversion is required |
✅ Yes |
✅ Up to 20 cards free | ✅ 1% cashback on all eligible spend* *T&Cs apply |
| ANZ Business Visa | ✅ Free | AUD 0–10 | Up to 3% | ❌ No | ❌ Not mentioned | ❌ None |
| NAB Business Visa | ✅ Free | AUD 0–10 | Up to 3% | ❌ No | ❌ Not mentioned | ✅ SaaS discounts (via Visa) |
| CommBank Business Visa | ✅ Free | AUD 0–10 | Up to 3.5% | ❌ No | ❌ Not mentioned | ✅ Some business discounts |
| Westpac Business Debit | ✅ Free | AUD 0–10 | Up to 3% | ❌ No | ⚠️ Same card used by multiple people | ❌ None |
| Airwallex Borderless Card | ✅ Free | AUD 29–499 | 0.5% for major foreign currencies 1% for others |
✅ Yes |
✅ Depends on pricing plan | ❌ None |
| Wise Business Card | ✅ Free | AUD 65 one-time | Zero if you have available funds in the same currency Otherwise, the currency conversion fee starts at 0.65% |
✅ Yes | ✅Max 3 virtual cards at once | ❌ None |
Fees checked in June 2025
Find the right debit card for business
Choosing the right business debit card in Australia depends on your company’s size, spending habits and international payment needs. If you frequently deal with overseas suppliers or clients, a multi-currency card with low or no foreign exchange fees could help reduce costs and simplify accounting.
Before making a decision, evaluate the total cost of ownership, including any account fees and weigh them against the benefits each card offers for your specific business use case.
1. https://www.anz.com.au/business/accounts/transaction-accounts/business-visa-debit/
2. https://www.anz.com.au/content/dam/anzcomau/documents/pdf/transaction-accounts-fees-charges.pdf?MOD=AJPERES
3. https://www.anz.com.au/business/accounts/transaction-accounts/
4. https://www.nab.com.au/business/business-bank-accounts/nab-business-visa-debit-card
5. https://www.nab.com.au/business/business-bank-accounts
6. https://www.nab.com.au/important-information/business/banking-fees-charges
7. https://www.commbank.com.au/business/bank-accounts/business-visa-debit-card.html
8. https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf
9. https://www.westpac.com.au/business-banking/bank-accounts/debit-mastercard/
10. https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/deposit-accts-bus-customers-tandc.pdf
11. https://www.airwallex.com/au/business-account/cards
12. https://www.airwallex.com/au/pricing
13. https://help.airwallex.com/hc/en-gb/articles/900003301566-What-is-the-automatic-conversions-for-cards
14. https://help.airwallex.com/hc/en-gb/articles/4970990380943-How-do-I-choose-between-a-Company-Card-or-Employee-Card
15. https://wise.com/au/pricing/business
16. https://wise.com/au/business/card
17. https://wise.com/help/articles/2935762/how-do-i-order-a-wise-card
Disclaimer: The information contained is general only and largely our views. Before acting on the information you should consider whether it is appropriate for you, in light of your objectives, financial situation or needs. Although information has been obtained from and is based upon multiple sources the author believes to be reliable, we do not guarantee its accuracy and it may be incomplete or condensed. All opinions, estimates, mentioned products/services and referenced material constitute the author’s own judgement as of the date of the briefing and are subject to change without notice. WorldFirst shall not be responsible for any losses or damages arising from your reliance of such information.
Compare the best business debit cards in Australia
Compare Australia’s best business debit cards by fees, features and perks to find the best fit for your company’s spending and growth needs
Jun / 2025
Airwallex review 2025: Features, fees and alternatives
Check out our review of the Airwallex business account, a digital payments and financial platform. See how it compares to WorldFirst for business needs
Jun / 2025
WorldFirst vs Wise Business: Fees and features comparison
WorldFirst and Wise both allow businesses in Australia to make secure international transfers. But which one is better for your bottom line?
Jun / 2025Choose a category below for more business, finance and foreign exchange support from WorldFirst.
- Almost 1,000,000 businesses have sent USD$300B around the world with WorldFirst and its partner brands since 2004
- Your money is safeguarded with leading financial institutions
