I use one called wirex. Not sure if they operate in Ozzyland.

Basically, it costs me £1 per month to keep the card open but i can cash out BTC to my bank account in a few minutes. And then i have a contactless visa debit card to use in shops, online are at the ATM.

I've been using them for around 3 years, never had a problem. They are working on a new card now that they will release soon. The new card will let me spend BTC directly, no having to convert BTC to fiat first. Game changer and as far as im aware, the first debit card that will let me directly spent BTC are other cryptos at the shop are cash out at an ATM machine.