In this guide

  • Our verdict
  • Details
    • Product details
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
Wizitcard
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

  • No interest charges
  • No monthly fee if you have a $0 balance and don’t use the card for a statement period
  • Instant virtual card you can use with Apple Pay and Google Pay

Cons

  • Maximum credit limit of $1,000 is low compared to other credit cards
  • 3% currency conversion fee if you use this card overseas or online in an international currency
  • No option for ATM withdrawals or cash advances

In this guide

  • Our verdict
  • Details
    • Product details
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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.

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%

How to apply

You can apply for the Wizitcard directly through the Wizit app. To get started, make sure you meet the eligibility criteria and have the key documents and details you need to submit.

Eligibility criteria

  • Australian residency. This card is available to Australian permanent residents and citizens.
  • Age. You must be at least 18 years of age.

Card benefits

  • No interest charges. The Wizitcard doesn't charge interest on your purchases. But you do still have to meet minimum monthly repayments.
  • No monthly fee if you don't use the card. The monthly fee on this card is waived if you have no outstanding balance and don't use the card for a statement period.

Rates & fees

  • Monthly fee. The Wizitcard has a $19 monthly fee when you use the card or are paying off a balance during a statement period. If you use the card every month, this fee would add up to $228 over a year.
  • Minimum repayments. The minimum amount you need to pay is based on these repayment frequency options:
    • Weekly repayments: $10 per week, or the total amount if your balance is less than this.
    • Fortnightly repayments: $20 per fortnight, or the total amount if your balance is less than this.
    • Monthly repayments: per month, or the total amount if your balance is less than this.

Your reviews

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Ask a question

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Amy Finder

Editor

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