I don't use any of these bitcoin debit card because I can easily convert my bitcoins to cash with very less fee compared to these debit card. That's why I never used these cards.
I am using BIT-X debit card and it is very good.I got it for free and there is no monthly fee for a card (first 10k users).
Entire BTC balance is available for spending. ATM fee is not that high 0.01BTC + 3% exchange fee.
According to me the charges you mentioned is not very less, they are quite higher side but you have a option to convert your coins to cash easily.
That is awesome for you then,
Personally i find hard to convert to cash without any huge loss,
The best way is to find somebody locally or using these debit cards.