Almost everyone now uses a debit card as part of everyday finances, but gold debit cards can offer more than just access to money.

Just like gold credit cards, these debit cards reward people with premium financial services and often include lower access fees, special purchase offers or discounts and complimentary extras. They may also include optional personal overdraft facilities to help you get access to funds whenever you need them.

Some gold banking options, like the NAB Gold Visa debit card, will be available to most people who want to upgrade their current account or switch from another bank to NAB.

The NAB Gold Visa is ideal for people who want a debit card for travel or greater access affordability. The features of this debit card include:

• No fees for ATM use overseas
• No fees for transactions in a foreign currency
• Complimentary overseas travel insurance; and
• Complimentary purchase protection and extended warranty insurance

The eligibility for NAB’s Gold debit card account are almost the same as any other NAB account option, making it easy for anyone to take advantage of this Visa debit card’s benefits.

The Citibank gold debit card, on the other hand, is limited to people who have $100,000 or more in deposits and investments with Citibank but the benefits definitely make it worthwhile to consider doing all your banking with them.

This gold option, offered to people who become Citigold members, gives cardholders the chance to transfer money to other Citibank accounts around the world, have bank accounts opened up prior to relocation and withdraw up to $10,000 in emergency funds while travelling overseas.

With a financial eligibility requirement, Citibank’s gold debit card is a lot more exclusive but the services provided would be ideal for people who do a lot of banking, travelling and currency exchanges.

For people who want a lot more than just access to their money, a gold debit card could bridge the gap between debit card and credit cards without the greater risk of debt that often comes from paying with plastic.