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Compare the best business debit cards in Australia

Last update: June 30, 2025

Contents

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.

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.

	World Card fees
Card	Free (up to 20)
Account linked to the card	Free
International transaction fees	15 major currencies (e.g. USD, GBP, EUR, CNH, AUD): Zero, as long as you have enough balance in that currency Other WorldFirst supported currencies: WorldFirst foreign exchange rate applies WorldFirst For unsupported currencies: Mastercard exchange rate + WorldFirst margin of up to 1.5% (for Mastercard’s exchange rates, refer to their currency conversion calculator)

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
Zero fees for the card ¹ Works domestically and internationally Card controls available through the ANZ app ¹	You need an eligible ANZ business account to apply for the card, which may have its own monthly fees No cashback offers or employee card support mentioned Up to 3% charged for international transactions ²

	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
Zero fees for the card ⁴ Cards can be linked to Apple Pay and Google Pay ⁴ Visa discounts available on various business services	You need a linked NAB business account to apply for the card, which may have its own monthly fees ⁴ No cashback offers or employee card support mentioned Up to 3% charged for international transactions ⁴

	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

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
Zero fees for the card ⁷ Cards can be linked to Apple Pay and Google Pay ⁷ Card controls available through the CommBank app ⁷	You need a linked CommBank business account to apply for the card and the account may have its own monthly fees While some business discounts are available with the card, there are no cashback offers or employee card support Up to 3.5% charged for international transactions ⁸

	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
Zero fees for the card ⁹ Cards can be linked to Apple Pay, Google Pay and Samsung Pay ⁹ You can add multiple cardholders to the same card (But it’s not possible to issue multiple unique cards to employees) ⁹	You need a linked Westpac business account to apply for the card and the account may have its own monthly fees Up to 3% charged for international transactions ¹⁰ No cashback offers available

	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
Ability to spend from multi-currency funds ¹¹ No foreign exchange fees in 10 supported currencies ¹³ Company and employee cards are available ¹⁴	While the card is free, it’s linked to an Airwallex business account which can cost up to 449 per month ¹² The number of cards available per account depends on the pricing plan you choose ¹² Expense management tools are available but only on higher plans ¹²

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

No charges if you have an existing balance in the purchase currency ¹³
In case of insufficient funds, the base currency funds are used to make the transaction and a currency conversion fee is charged ¹³
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
Supports 40+ currencies Ability to spend from multi-currency funds	While the card is free, the Wise Business account has a one-time fee of AUD 65 ¹⁷ Only three virtual cards are allowed at a time ¹⁸ No cashback offers

	Wise Business Card ¹⁶
Card	Free
Account linked to the card	AUD 65 one-time fee ¹⁷
International transaction fees	If you have available funds in the same currency: Zero If you don’t have sufficient funds in the same currency: Currency conversion fee starting at 0.65%

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

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.

Rick Hill has worked in payments and financial services for the past nine years. He began his career at a large institutional bank and has since worked across startups and scaleups. Over the past four years, his experience with e-commerce retailers has led him to believe that WorldFirst will be crucial in helping brands expand globally by demystifying the complexities of entering new markets.

Rick Hill

Author

Head of Sales ANZ at WorldFirst

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Compare the best business debit cards in Australia

What are business debit cards?