The Wizitcard is an instant, virtual credit card you can add to Apple Pay and Google Pay, then use anywhere Mastercard is accepted. Paying a monthly fee instead of interest charges means you’ll always know how much the account costs. It also offers weekly, fortnightly or monthly direct debit payments and the option of additional payments if you want to repay it faster.
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Wizitcard Review
Terms and conditions apply
- Purchase rate
- 0% p.a.
- Annual fee
- $0 p.a.
Our verdict
This virtual credit card doesn’t charge interest on purchases, with a $19 monthly fee instead.
The Wizitcard offers an alternative to traditional credit cards and buy now pay later, with limits up to $1,000 and no interest charges. The $19 monthly fee that’s charged instead is also competitive with other no interest, flat fee credit cards in Australia. While this fee is waived if you don’t owe anything and haven’t used the card for a statement period, it could add up to $228 over a year if you regularly use it.
Pros
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No interest charges
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No monthly fee if you have a $0 balance and don’t use the card for a statement period
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Instant virtual card you can use with Apple Pay and Google Pay
Cons
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Maximum credit limit of $1,000 is low compared to other credit cards
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3% currency conversion fee if you use this card overseas or online in an international currency
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No option for ATM withdrawals or cash advances
Details
Product details
| Product Name | Wizitcard |
| Purchase rate p.a. | 0% |
| Interest-free period | |
| Min credit limit | $500 |
| Max credit limit | $1,000 |
| Card type | Mastercard |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $0 |
| Late payment fee | $1 |
| Foreign currency conversion fee | 3% |
Sources
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Amy Finder
Editor
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