Feature Spotlight

Introducing Debut Ora Card

Meet Ora Card - A smart and secure debit card designed for the digital age.
Illustration of Debut Ora debit cards in colours hebe and blanc
May 1, 2024

We’re super excited to tell you all about our debit cards and some of the things we’re doing to improve payments.

Meet Debut Ora Card

Meet Debut Ora Card 💳

Debut Ora Card is your payment card for everyday things. It’s ready to use within minutes of setting up your Debut account using just your phone. Ora Card is also ready for the real world with a companion card you can hold in your hand, dispatched to you shortly after sign-up.

Swipe, slip, tap or type to pay
at over 35 million locations.

Debut Ora Card is powered by Mastercard™, so you can use it to pay confidently and securely at card and contactless terminals or with Apple Pay and Google Wallet at over 35 million locations around the ao 🌏 or online.

So shiny!

Debut Ora Card comes in two sleek, minimalist looks we call Blanc and Hebe. Both cards feature a reflective holographic logo on the front and playful Debut shapes with a pearlescent coating on the back. 

Last year, we held a competition asking people in the Debut community to share and vote on what they most wanted to see on Debut’s upcoming cards. The winning entry proposed the inclusion of Braille, as some modern cards have phased this out. We’ve made sure to include both a debit notch and the letter D in Braille to aid people with blindness or low vision to identify their Ora card in their wallet or purse and to hold it the right way when making a payment.

Get more mileage from your money.

Money doesn’t grow on trees! Keep more of your hard-earned cash when you use Debut Ora Card. Whether you’re travelling overseas or paying in another currency online, Debut provides one of the industry’s most competitive conversion rates, powered by Mastercard™ – and that’s it. You’ll just pay for the conversion, and nothing else. Debut saves you about 2% in foreign exchange fees, compared with other cards, because we don’t charge any. Want to see what other fees we don’t charge?

To put that into perspective, a day trip from London to Cambridge, including lunch and a snack, could cost you $4.97 NZD less when you travel with Debut, compared with other cards that charge foreign exchange fees. That’s about the cost of a small flat white back home, just in fees alone. And it adds up.

Cost of a Day Trip from London to Cambridge

Item Local Price in GBP Price in NZD at market rate What you pay with Debut What you pay with other cards
2x adult return train tickets £92.80 $193.09 $194.09 $197.97
2x ham and cheese sandwiches £9.40 $19.56 $19.66 $20.05
2x flat white coffees £7.80 $16.23 $16.31 16.64
2x Cans of Coke Zero £4.60 $9.57 $9.62 $9.81
2x bags of crisps £4.20 $8.74 $8.78 $8.96
Totals £114.40 $238.04 $248.46 $253.43

The Great British Pounds to New Zealand Dollar conversion is based on the market rate on 13 March 2024.
Debut’s cost is based on the Mastercard conversion rate. The Mastercard conversion rate is updated daily and factors in the market rate.
What you pay with other cards is based on the Mastercard currency conversion, inclusive of the foreign exchange fee charged in the local currency at a median rate of 2%. In NZ, FX fees can range between 1.8 to 2.5%.
Cost of lunch based on Prêt À Manger menu, 2024 via The Restaurant Planet.
Cost of train tickets based on National Rail prices provided by trip.com

Plus, Tonu Cards – Digital Card on Demand

In addition to Ora Card, you can also create digital-only cards in an instant from Debut. Tonu Cards are ideal for grouping similar kinds of payments or for when you want to set more granular controls over how a card is used.

Kia ora Debut Tonu Cards - Generate a new digital debit card in the Debut app.

How to get your own Debut Card?

Debut is now available. Sign up in the Debut app.

Download on the App Store Download on Google Play


Please note, Debut is not a registered bank under the Banking (Prudential Supervision) Act. This is about our future intentions. Investments with us are not supervised currently by the Reserve Bank of New Zealand.

Derrick Olivier is Head of Community and Growth at Debut
Debut is the best way to save, track, budget and understand your money.
We’re doing something that’s never been done in New Zealand. We’re building a bank carefully, thoughtfully and with feedback from our customers. This is only the beginning.
Please note, Debut is not a registered bank under the Banking (Prudential Supervision) Act. This is about our future intentions. Investments with us are not supervised currently by the Reserve Bank of New Zealand.