The Bendigo Blue Visa debit card is one of only a few cards with credit card capabilities on offer from Bendigo Bank. It is a very basic card with only the bare minimum in terms of features.

This debit card can be used at over 840,000 ATMs across the world, so you can use the cash in your Bendigo account without any hassle anywhere you go. With a cheap monthly fee of just $3, you can link your Bendigo Visa debit to any everyday banking account at Bendigo, including your deposit account and any mortgage or personal loan accounts you might have.

Additional cards are available free of charge if you want to share this account with a friend or family member. However, with multiple cards in use it is much harder to keep track of your debit card balance, and if you have an overdraft on your account then this could be a recipe for disaster as it will be much easier to go into debt.

Interest on an overdraft debt will accumulate much faster than it would on a normal credit card because you won’t get any interest-free days in which to pay it off. While Bendigo is overall a good bank, the Blue debit card lacks in many areas, things that most banks provide in a debit card.

This includes minimum security measures put in place to protect cardholders (only those put in place by Visa are effective on the debit card), so it doesn’t really measure up to the majority of debit cards available from other banks.

Overall, despite this card being cheaper than the majority of debit cards on the market, it seems like if you get this debit card then you are most definitely only getting what you pay for.

See our top credit card picks in the Editor’s Choice category