From memory, I am quite sure that here in Australia standard bank cards, which are generally referred to as debit cards, use an entirely different fee structure

From memory, I am quite sure that here in Australia standard bank cards, which are generally referred to as debit cards, use an entirely different fee structure to credit cards. These bank cards always require a PIN and work on the EFTPOS network. Important, as you can't use them online. The rate is a flat one if I'm correct. Debit cards issued by Visa or Mastercard and operating over those networks incur a lower fee than credit cards but follow the same interchange fee structure. Australian Visa interchange fees are here: http://bit.ly/visainterchangefees http://bit.ly/visainterchangefees. Just incase anyone was interested. Whether or not these cards require a PIN or signature depends on whether they use the Chip-and-PIN system, which all new cards issued in Australia should.