{
  "brand": "Credit Corp Financial Services Pty Limited trading as WizitMoney",
  "brand_label": "Wizit",
  "brand_slug": "wizit",
  "legal_entity_abn": "39146525706",
  "public_base_uri": null,
  "logo_uri": null,
  "status": "documents",
  "stale": false,
  "bank_last_updated": "2026-11-12T02:35:39Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":2,"of":52,"product_label":"Wizitcard","card_type":"credit","purchase_rate_pct":0.0,"annual_fee":228,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":0,"min_credit_limit":500,"max_credit_limit":5000,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "no interest is charged on purchases; the card costs $19.00 a month instead",
        "read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily",
        "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
        "a virtual Mastercard in the issuer's app, not a physical card",
        "credit limit $500 to $5,000",
        "cash advances are not offered",
        "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.",
        "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.",
        "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.",
        "not for applicants whose income is more than half pension, carer or jobseeker payments",
        "late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Card issuers with no Consumer Data Right feed, read by hand from their card pages and Key Facts Sheets; every figure is quoted from the sentence it was read from and re-read daily.",
  "licence_note": "This issuer publishes no Consumer Data Right feed. Its rates and fees are read from its own public card pages and Key Facts Sheets and reproduced here as reference data: every figure carries the sentence it was quoted from and the page it came from, each sentence is re-read daily, and a card whose sentence has gone is unranked and marked. Rates, fees and offers change without notice; check the issuer's page before acting. This is not financial advice.",
  "source_kind": "document",
  "why_not_in_the_feeds": "Wizit is not on the Consumer Data Right register of data holders, so it publishes no product reference data feed; its Key Facts Sheet (a web page, correct as at 14 September 2026) and card page are the public record.",
  "website": "https://wizit.money/",
  "products": [
    {
      "product_id": "wizitcard",
      "product_name": "Wizitcard",
      "product_label": "Wizitcard",
      "product_slug": "wizitcard",
      "page": "/au/finance/credit-cards/cards/wizit/wizitcard/",
      "product_url": "https://wizit.money/wizitcard",
      "terms_url": null,
      "fees_url": "https://wizit.money/wizitcard",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 0.0,
      "purchase_rate_is_base": null,
      "no_interest_card": true,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 228,
      "fee_period": "monthly",
      "fee_as_stated": 19,
      "annual_fee_stated": true,
      "annual_fee_note": "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
      "fee_name": "Monthly fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": null,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "form": "virtual_card",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 500,
      "max_credit_limit": 5000,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "no interest is charged on purchases; the card costs $19.00 a month instead",
        "read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily",
        "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
        "a virtual Mastercard in the issuer's app, not a physical card",
        "credit limit $500 to $5,000",
        "cash advances are not offered",
        "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.",
        "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.",
        "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.",
        "not for applicants whose income is more than half pension, carer or jobseeker payments",
        "late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 2,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://wizit.money/wizitcard",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
      "document_date": "2026-09-14",
      "checked": {
        "at": "2026-11-12T02:35:39+00:00",
        "quotes": {
          "purchase_rate": {
            "status": "found",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"
          },
          "annual_fee": {
            "status": "found",
            "url": "https://wizit.money/wizitcard",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/wizitcard#:~:text=Pay%20a%20flat%20%2419%20monthly%20fee.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"
          },
          "fee_waiver": {
            "status": "found",
            "url": "https://wizit.money/wizitcard",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/wizitcard#:~:text=The%20monthly%20fee%20will%20not,the%20card%20was%20not%20used.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"
          },
          "interest_free_days": {
            "status": "found",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20free%20period%20Not%20applicable",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"
          },
          "cash_advance": {
            "status": "found",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Cash%20advances%20are%20not%20available",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"
          },
          "min_credit_limit": {
            "status": "found",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Minimum%20credit%20limit%20%24500",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"
          },
          "max_credit_limit": {
            "status": "found",
            "url": "https://wizit.money/wizitcard",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/wizitcard#:~:text=Now%20access%20up%20to%20%245%2C000%20with%200%25%20interest%20on%20purchases.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"
          },
          "virtual_card": {
            "status": "found",
            "url": "https://wizit.money/wizitcard",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/wizitcard#:~:text=You%20don%E2%80%99t%20need%20a%20physical%20card%20to%20shop.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"
          },
          "kfs_date": {
            "status": "found",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Correct%20as%20at%3A%2014%2F09%2F2026",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"
          },
          "issuer.issuer": {
            "status": "found",
            "url": "https://wizit.money/wizitcard",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/wizitcard#:~:text=Credit%20Corp%20Financial%20Services%20Pty,706%29%20Australian%20Credit%20Licence%20%28400871%29",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://wizit.money/wizitcard",
            "confirmed": "2026-11-12",
            "cite_url": "https://wizit.money/wizitcard#:~:text=The%20fee%20is%20equal%20to,dollar%20value%20of%20the%20transaction.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"
          }
        }
      },
      "quotes": {
        "purchase_rate": {
          "text": "Interest on purchases 0% p.a.",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
          "citation": {
            "quote": "Interest on purchases 0% p.a.",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a",
            "confirmed": "2026-11-12"
          }
        },
        "annual_fee": {
          "text": "Pay a flat $19 monthly fee.",
          "url": "https://wizit.money/wizitcard",
          "citation": {
            "quote": "Pay a flat $19 monthly fee.",
            "url": "https://wizit.money/wizitcard#:~:text=Pay%20a%20flat%20%2419%20monthly%20fee.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026",
            "confirmed": "2026-11-12"
          }
        },
        "fee_waiver": {
          "text": "The monthly fee will not be charged if, for the entire statement period, your account had a zero balance and the card was not used.",
          "url": "https://wizit.money/wizitcard",
          "citation": {
            "quote": "The monthly fee will not be charged if, for the entire statement period, your account had a zero balance and the card was not used.",
            "url": "https://wizit.money/wizitcard#:~:text=The%20monthly%20fee%20will%20not,the%20card%20was%20not%20used.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest free period Not applicable",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
          "citation": {
            "quote": "Interest free period Not applicable",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20free%20period%20Not%20applicable",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Cash advances are not available",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
          "citation": {
            "quote": "Cash advances are not available",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Cash%20advances%20are%20not%20available",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $500",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
          "citation": {
            "quote": "Minimum credit limit $500",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Minimum%20credit%20limit%20%24500",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a",
            "confirmed": "2026-11-12"
          }
        },
        "max_credit_limit": {
          "text": "Now access up to $5,000 with 0% interest on purchases.",
          "url": "https://wizit.money/wizitcard",
          "citation": {
            "quote": "Now access up to $5,000 with 0% interest on purchases.",
            "url": "https://wizit.money/wizitcard#:~:text=Now%20access%20up%20to%20%245%2C000%20with%200%25%20interest%20on%20purchases.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026",
            "confirmed": "2026-11-12"
          }
        },
        "virtual_card": {
          "text": "You don’t need a physical card to shop.",
          "url": "https://wizit.money/wizitcard",
          "citation": {
            "quote": "You don’t need a physical card to shop.",
            "url": "https://wizit.money/wizitcard#:~:text=You%20don%E2%80%99t%20need%20a%20physical%20card%20to%20shop.",
            "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at: 14/09/2026",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
          "citation": {
            "quote": "Correct as at: 14/09/2026",
            "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Correct%20as%20at%3A%2014%2F09%2F2026",
            "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a",
            "confirmed": "2026-11-12"
          }
        }
      },
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "purchase_rate_pct",
            "annual_fee",
            "interest_free_days",
            "cash_advance_rate_pct",
            "min_credit_limit",
            "max_credit_limit",
            "form",
            "document_date",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.",
          "quote": "Interest on purchases 0% p.a."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Credit Corp Financial Services Pty Limited trading as WizitMoney",
      "brand_label": "Wizit",
      "brand_slug": "wizit",
      "legal_entity_abn": "39146525706",
      "product_id": "wizitcard",
      "product_name": "Wizitcard",
      "product_label": "Wizitcard",
      "product_slug": "wizitcard",
      "page": "/au/finance/credit-cards/cards/wizit/wizitcard/",
      "product_url": "https://wizit.money/wizitcard",
      "terms_url": null,
      "fees_url": "https://wizit.money/wizitcard",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 0.0,
      "purchase_rate_is_base": null,
      "no_interest_card": true,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 228,
      "fee_period": "monthly",
      "fee_as_stated": 19,
      "annual_fee_stated": true,
      "annual_fee_note": "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
      "fee_name": "Monthly fee",
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": null,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "form": "virtual_card",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 500,
      "max_credit_limit": 5000,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "no interest is charged on purchases; the card costs $19.00 a month instead",
        "read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily",
        "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
        "a virtual Mastercard in the issuer's app, not a physical card",
        "credit limit $500 to $5,000",
        "cash advances are not offered",
        "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.",
        "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.",
        "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.",
        "not for applicants whose income is more than half pension, carer or jobseeker payments",
        "late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://wizit.money/wizitcard",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
      "document_date": "2026-09-14",
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "purchase_rate_pct",
            "annual_fee",
            "interest_free_days",
            "cash_advance_rate_pct",
            "min_credit_limit",
            "max_credit_limit",
            "form",
            "document_date",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.",
          "quote": "Interest on purchases 0% p.a."
        }
      ],
      "rate_pct": 0.0,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 2,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}