Wizit

Wizit credit card

Not available for application via this website

Wizitcard Credit Card

Highlights

If you want to keep spending simple, this card’s 0% interest rate—forever—stands out. The $19 monthly fee is straightforward, and there are no charges if you’re not using it. Credit limits range from $500 to $1,000, with clear repayments that make budgeting easier. You can use it instantly with Apple Pay and Google Pay. Just note the $1 late fee and the modest limit. A solid pick for those who want control without the usual credit card hassle.

Pros

No ongoing fees or charges when the card isn’t in use or has no balance.
The $19 monthly fee simplifies costs compared to an annual fee.
Get a credit limit ranging from $500 to $1,000.
Know your repayments in advance which makes budgeting easier.
Instant virtual card which can be used with Apple Pay and Google Pay.

Cons

There is a $1 late payment fee.
3% currency conversion fee if using overseas or shopping online with foreign currency.
The $1,000 limit is low in comparison to other cards.
No option for cash advances or ATM withdrawals.