Credit/Debit Card in Australia?

Hi amigo I am also with the commonwealth bank. i been wit them since i came to Australia about 1.6 years ago and i got a credit card after about 5 months. I use the Credit card for everything but i don t go all crazy, i use it as if it was the debit card i pay "IN FULL" online when ever the statement gets put on the online banking.If you pay in full you don t pay interest, you get 55days to be exact. There is only one card that you don't get the 55 days its the "no annual fee card." I got the "low rate" one just in case i but something that i plan to pay off. i think the rate they give you is around 14% which is not that bad. any ways i see this as a good way of building a good credit record so later on in life i can get a good rate if i finance a car or mortgage a house. the better the record the lower the interest rate. oh the limit on my card is $5000 i couldn't believe it lol for my 1st credit card in Australia. Well i hope this helps you out seeing that this bank doesn't offer debit. Ciao Amigo