HERE ARE THE AUSTRALIAN LOAD AND GO FACTS FOR YOU:
In this link you will find out everything. The main point is that I was able to purchase e books through Amazon with my Load & Go card. It was instant download. When you get the Load and Go card at the Post office, you pay $26.95. They retain the $6.95 as a one off payment for issuing the card. You can renew the card which is valid for 2.5 years or more I think. You make sure you have no balance, or only .50c on the card at the end and renew. If you leave funds on the card at the expiry date, the post office retains that money and shares it with Heritage Bank. But you'd be nuts to leave it on there at the expiry date of the card. I think for over two years having a card like this with no risk and paying $5.96 for the privilege is small change. This visa card is able to be used anywhere, all currencies as well. You pay .9 per transaction with a cap of .99c per month if you go over a certain number of purchases, check that in the link. Just letting everybody know. Safe, secure, no risk of hacking because you register the card. You have a pin number, they have your mobile phone number. If you lose your card and it is registered, you do not lose your money. The only time charges could blow out a bit is if you wish to speak with them on the phone. But so far, no issues.
Just letting eveybody know who was interested enough to try to help. You can reload funds onto your card via internet, B Pay etc. or go directly to any post office and pay cash over the counter. As I've said my reasons for this are mainly security, to restrict myself and purely for e reading purchases from Amazon for the Kindle. Just wanting to let everybody know who may be interested and thanks for all the interest in the original question guys.