Prepaid Cards

Prepaid cards (sometimes known as prepay or prepaid credit cards) are relatively new to the Aussie market but are becoming increasingly popular. Prepaid credit cards provide an alternative to regular credit cards – the money on the card is loaded on there by you – there is no credit facility on a Prepaid card.

Credit Report        Prepaid Cards Information

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So, if you're looking for a cheap way to make payments online, abroad, or want to share money with family and friends (get secondary prepaid cards which can access the same funds), look at the attractive range of Prepaid credit cards and their offers in the table below. Check what fees (such as ATM fees) are involved with the card, and what the minimum age limit might be (some cards require you to be at least 18 years of age).

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COMPANYTYPEISSUERCOSTMAXMONTHLY FEEPURCHASE BALANCEATM FEEUNDER 18SMS SERVICESMONEY SHAREMORE INFO
Canvas Visa
Canvas Visa		Pay As You Go Prepaid CardVisa Card$7.95$1000$2.95$0.00$0.50NoYesNoCanvas Visa
The Canvas Prepaid Visa Card allows you to use your own money when and where you like. These cards offer many of the benefits of a credit card without downsides such as debt and trying to meet application criteria. You simply load your card with cash as you like - enabling you to control your money and your spending.
DETAIL INFORMATION >>		Top Ups

Top Ups

1. Funds loading fee (per Funds Credit) $3.95
2. Purchase a Reload Pack in values of $50, $100, $250 or $500 at your closest participating Australia Post outlet then visit www.load2card.com.au or call 1800 254 731 to apply the funds to your card.


Services

Services

1. Check your balance online, by SMS or by phone.
2. Funds can be added to your card via BPAY® or at participating retail outlets nationwide


Advantages

Advantages

1. You can use your CANVAS card for online purchases, ATM cash withdrawals or at any store where VISA Prepaid cards are accepted.
2. They offer you many of the benefits of a credit card without downsides such as debt and trying to meet credit card application criteria.
3. There’s no credit so there’s no credit check required.
4. You don’t need a linked bank account.
5. Point of sale transactions are FREE.
6. You use your money, so there’s no debt and no expensive interest charges.
7. It’s quick and convenient to add funds to your card.
8. Pick a design that says something about you – from sexy black to laid back yellow.
9. Get your hands on heaps of freebies, giveaways and other prizes that come with CANVAS.


Disadvantages

Disadvantages

1. You can’t load more than $2,000 on your CANVAS card in any 30 day period.
2. Other than payment surcharges that may be charged by some merchants or CANVAS foreign exchange fees or optional issuer mark up.
3. Card purchase price (Low Limit) $7.95
4. $2.95 monthly service fee.
5. When the card expires, you forfeit any remaining available balance and you will not be given any prior notice of this.
6. You might not be able to get your money back if unauthorised or unintended transactions occur.

ANZ Student Rights Prepaid Visa Card
ANZ Student Rights Prepaid Visa Card		Pay As You Go Prepaid CardVisa Card$0.00$1,000$2.9$0.00$0.75 - $1.25NoYesNoANZ Student Rights Prepaid Visa Card
The Students Rights Prepaid Card offers you the freedom of a Visa card, however, you are in control of your spending. The prepaid card is reloadable and can be used in stores, online and even overseas. You can reload your card with your own cash up to $1,000.
DETAIL INFORMATION >>		Top Ups

Top Ups

1. BPAY - $2.00
2. ANZ Merchant (Participating) - $3.45


Services

Services

1. The Card can be used at over 500,000 Visa locations the world were Visa is displayed
2. The Card can be used for cash withdrawals at participating Visa ATMs
3. The Card is reloadable


Advantages

Advantages

1. Use where Visa prepaid cards are accepted electronically.
2. No application fee.
3. No credit checks & no interest.
4. Use in stores, online and even overseas.
5. Reload with your own cash up to $1000.
6. Get cash out at ATMs that display the Visa symbol.


Disadvantages

Disadvantages

1. ATM transaction fees and charges will apply to non-ANZ ATMs as set out by ANZ. These are in addition to any ATM operator fees that vary by ATM operator.
2. The minimum Value Load that can be loaded at any one time is $50.00
3. You might not be able to get your money back if unauthorised or unintended transactions occur.
3. The maximum Value Load that can be loaded at any one time is £1,000

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