I may be wrong but when I paid / bought anything with a credit card years ago, there were no additional charges to me. Now if I pay with a debit card, I get a surcharge fee – so now I pay cash in those places. What annoys me is that banks are closing everywhere – Lower North Shore, Sydney – and nowhere to actually bank any money, let alone get cash out – though IGA, Woolworths, Aldi and Post Office can assist – must go and count my $2 coin stash!