Australian Banking System (2)

in the last post, it stated that almost the big four banks provide the similar services, also the rules are similar.
for the students, no matter local students or international students, they both can avoid the monthly fee. but international student rarely can be approved for the credit card.for the normal bank users, some banks now have some special rules to help these users to avoid the monthly fee. for example, CBA has a promotion called "put a R into fee", that meaning free for monthly fee. but there are some conditions for a monthly fee free accouning, you must deposit certain amount money in your account until certain date, then in the rest of time of your card, you need not pay the monthly fee. other banks also has the similar rules, for example, u can see some big advertisements on some buses or bus stops, the ads say that NAB has no monthly fee account now, but i do not know the details.
about the credit card, i never apply for it, because i do not have job. but i hear that everyone who beyond 18 has the right to apply the credit card, but whether be approved depends on the bank. and CBA's rule is the most loose i hear, some students without job also get their CBA credit card, i do not know why and how. there is a type of card similar as credit card, that is debit vias or debit master card. debit visa or master is debit card but has the functions of visa or master card, but no credit. u spend your own money. the traditional debit card can not be used for online shopping or telephone shopping, but debit visa or master can. it has 16 numbers on the card as normal credit. when you shop online, debit visa or master card is treated as credit cards. visa and master are the most acceptable credit union in OZ, there are also other two credit union can be used in OZ, i.e dinner and American express. but not all the orginisations here accept these two credit cards. at first, ANZ's debit visa card needs to pay 5 dollar monthly fee even students can not avoid it. but now it is free. WEP and CBA at first, only Australian citizen or PR can apply the debit card, but now every can. NAB is the best, from the beginning, everyone can apply for it. and NAB's debit card is my first debit visa card, but for some reasons, i canceled it after using it for almost one year. i am now disputing with one US company, i think it is a fraud company, and i checked online, it really a fraud company. i canceled account, but my case is not end, i hope i can win in the dispute.
and about term depist, i think it you have small rest funds, say 5000-50000 australian dollar, ANZ's short term deposit rate is highest among these big four australian banks.
about the other services provided by these banks i have not used them, such as loan. so i do not konw the information about it.
in the next post, i will introduce other types banks exist in australia.