Pretty much all Australian & New Zealand cards use a system called EFTPOS[1] in addition to Visa / MasterCard credit since the 80s. Fees are virtually nil, and

Pretty much all Australian & New Zealand cards use a system called EFTPOS[1] in addition to Visa / MasterCard credit since the 80s. Fees are virtually nil, and payments are instant. They cannot be used for online purchases though, I believe. [1] https://en.wikipedia.org/wiki/EFTPOS#Australia https://en.wikipedia.org/wiki/EFTPOS#Australia