One of the best kept secrets is the ING Direct Visa Debit card, which I have been using for years.  As long as you deposit at least $1000 every month, you can withdraw money from any bank operated ATM in Australia for no fee, as ING pays the fees for you.  It certainly saves you the hassle of frantically searching for your own bank’s ATM when you need cash in a hurry.

On top of this, they give you 2% back in cash for purchases made by payWave, up to $100 a transaction.  This is also credited to your account.  The only drawback is there are no reward points, but then you can’t have everything.