In Australia, HSBC (HSBC Bank), ANZ (Australia and New Zealand Banking Corporation), ST GEORGE (St. George Bank), Commonwealth Bank (CBA), WESTPAC (Westpac Banking Corporation), NAB (Australian National Bank) Bank) and other major banks accept applications for Australian credit cards from international students. In addition, Bank of China bank cards can be used there, and there are branches of Bank of China in Australia.

1. Of course, it is better to apply for a bank card here. When you first come, you can turn your living expenses into a money order (if you don’t know, you can go to the Bank of China in China for consultation), and then wait for you to come. Deposit the money order at the local bank of your choice, and a bank card and password will be sent to you within a week (some banks send you the password first and then the card, and some do the opposite). If you are worried that the address you leave is unsafe, you can also choose your own. You can pick it up or go to the bank to choose the password yourself;

2. There are many choices of banks, the main ones are Westpac (mainly for business investment customers, if you have a lot of money and want to deposit them, they can add Interest rate is good), St. George's (service attitude is good), Commonwealth (there are many ATMs, it is convenient to withdraw money at any time), HSBC (it is HSBC, Hong Kong people use it more), NAB (nothing special, National Bank of Australia), etc., student accounts are free of charge There are a lot of handling fees, which you will know when you arrive. If your English is not good, you can ask them to speak slower, or ask if there are staff who can speak Mandarin, and they will give you advice. When applying for a student account, remember to bring the student ID card given to you by the school. If you do not bring your admission letter, or if you have neither of these when you first come here, you can open an ordinary account first, and then convert it to a student account after you get the student card. Remember to bring your passport;

3. These are deposits. It is actually very convenient to have a credit card abroad, because many things can be applied for and paid online. However, it costs more to apply for a credit card in Australia, and it is difficult for students without a fixed income. This kind of card should be applied for in China. I currently use a VISA student credit card from Bank of China. The annual fee is relatively cheap. I use the sub-card, and my family members use the main card in China. When I spend money here, they pay back the money in U.S. dollars at home. It is best not to withdraw cash with this card, as there will be a 3% handling fee, but it is ok to use it normally. Accepted in many places. It is recommended that you go to the bank for consultation. Many banks have credit cards for international students with cheap annual fees and many discounts. You should inquire and compare by yourself to see what kind of benefits there are. As for the acceptance of VISA and Master here, they are almost the same. They can be used in many stores, so there is no comparison;

4. It is recommended that the domestic office should be the Bank of China. There is an office here, but there is actually a problem. It is still necessary to send the card back to the country, because the information on both sides is not connected to the Internet, which is very troublesome, so the card should be kept well and not lost or damaged. Otherwise, you must either return to the country to get it, or ask the domestic bank to mail a new one. Very inconvenient.