Getting Started
Wizit is an innovative and responsible lender offering our customers three ways to pay. Our products include wizitpay, wizitcard and powerup. We consider customers in varying situations and promote financial inclusiveness wherever possible.
Wizitpay is our Buy Now, Pay Later product which allows you to shop now, and pay off your purchase in 4 instalments over 6 weeks with zero interest, forever.
Simply download the Wizit app. From there, you will be able to view our range of products and consider what may be suitable to you. Then, if you want to apply, you can commence the application process and you're on your way!
You'll need to provide some personal details, as well as your identification details (Driver Licence, Passport or Medicare card), your internet banking details and a debit or credit card as a funding source. But, no need for printing and paperwork, all of this is taken care of digitally.
The Wizitpay shopping limit is up to $500.
We get that people want answers quickly, so we strive to give you the fastest, easiest and most hassle-free way to apply for our products. In saying that, sometimes we do need to check a thing or two and it can take a little more time than usual.
If you have any questions or want to discuss your application, you can contact us at hello@wizit.money or by calling during business hours on 1300 730 522.
We need your information to verify it's you.
Australian citizens over the age of 18 who meet our eligibility requirements. Additional eligibility requirements apply, these are articulated in our TMD.
We consider applications from a variety of customers. If you're a discharged bankrupt, you may still qualify for Wizit. Your application will be subject to our assessment criteria.
We welcome applications from anyone. Your application will be subject to our assessment criteria and a decision will be made based on your circumstances.
Yes, we will conduct a credit check if you apply for a wizitpay account. But don't worry if your history is a little shaky, we consider a range of factors when making our assessment.
Account
You can make purchases online with any of our partnered merchants. A list of available merchants can be found on our Shop page
All of your account information is available is in the Wizit app. You can Download the Wizit app from the App Store or Google Play Store.
You are able to update some personal details in the Wizit app. If you get stuck, give us a call during business hours on 1300 730 522 or get in touch via the Contact page.
Your account may be on hold for a number of reasons. This may happen for a number of reasons including if you are behind on your repayments or if we have identified suspicious activity on your account. Need further information? Get in touch during business hours on 1300 730 522.
You must contact the merchant from where you purchased your item to request a refund.
If there is a problem with your purchase, such as your goods haven't arrived or they have arrived damaged, speak to the store from where you purchased.
When the merchant processes a refund request to Wizit, we will review and process the request within 5 business days. When complete, the refund will be reflected on your account and we will provide a refund to your card or adjust your repayments accordingly.
All refunds are subject to each merchant's policy.
No. You will need to download and install the Wizit app from the App Store or Google Play Store in order to log in to your account.
We are a responsible credit provider and take a bunch of information into account when making our decisions.
Unfortunately we can't always provide you the exact reasons that your application was declined. However, if your situation changes, you can apply again in the Wizit app to see if you qualify.
No, you cannot use your Wizitcard as a funding source for Wizitpay. You will need to use a different card to fund your Wizitpay account.
Payments
If you miss a repayment, your Wizitpay account will be placed on hold so you will not be able to make further purchases until you catch up. A $5 monthly late fee will also be charged to your account.
We understand that sometimes things happen, and while it is never nice to be behind, if you bring your account up to date before the end of the month, your late fee will be waived.
Please note - Late Payment Fees are capped at $5 per month, regardless of the number of missed payments in that month.
There will be a monthly fee of $5 charged only when you are using your account and you have a balance remaining at the end of the month.
If you pay off your balance before the end of the month, or are not actively using your account at all during the month, there is no monthly fee.
All fees are billed on the last calendar day of the month in which those fees are incurred and are payable on the 3rd calendar day of the month following the month in which they were incurred.
When making a purchase via Wizitpay, you will be required to make the first instalment upfront at the checkout (usually 25% of the purchase price).
The next 3 payments will be payable on a fortnightly basis from the purchase date.
Want details on a specific purchase? Everything you will need in relation to your repayments is available in the Wizit app.
Yes, you can make your required repayments early within the Wizit app. There are no penalties for paying early.
Yes, contact us to find out how.
Your payment method can be updated through the settings option in the Wizit app.
Not at this stage. If you need to change your repayment amount or repayment date, please get in touch.
Debit times may vary depending on your financial institution and it's not something we can control. It's safest to leave available funds in your nominated account on the due date for the entire day until it has been debited.
Hardship
If you are struggling to meet your repayments and require assistance, we have a number of options available depending on your circumstances.
We have a dedicated, specialised team ready to assist. Please contact us as soon as possible to discuss your situation on 1300 493 827. You can also fill out the contact form here.
If your claim is declined you are able to reapply for financial hardship assistance here.
If assistance is declined and you feel that the decision is unjust, Wizit has both internal and external dispute resolution processes in place.
If you have a concern or a complaint, in the first instance, please contact our internal dispute resolution department on:
Phone: 1300 768 621
Fax: (02) 9347 3600
Email: customercare@creditcorp.com.au
Mail: Customer Care, GPO Box 4475, Sydney NSW 2001.
If you remain dissatisfied with our response, you may raise your concerns with an independent dispute resolution service.
We are a member of the Australian Financial Complaints Authority (AFCA) which can be contacted by calling 1800 931 678, emailing info@afca.org.au or visiting www.afca.orga.au. Alternatively, you can write to AFCA at GPO Box 3, Melbourne VIC 3001.
There are also many external support networks that can provide you with assistance and guidance on your finances. The National Debt Helpline can be reached on 1800 007 007 should you wish to contact them.
Feedback & Complaints
We value your feedback and would like to hear from you. There are several ways to get in touch, head on over to the Feedback page for the details.
Wizit is here to help. If we haven't lived up to your expectations, we probably haven't met our own high standards and we would like to know about it.
There are several ways you can get in touch, head on over to the Feedback & complaints page for the details.
Privacy & Security
If you suspect fraudulent activity on your account it is important that you Contact us as soon as possible.
A member of the Wizit team will review the situation.
You can find this on our website here.
Getting Started
Wizit is an innovative and responsible lender offering our customers three ways to pay. Our products include wizitpay, wizitcard and powerup. We consider customers in varying situations and promote financial inclusiveness wherever possible..
The Wizitcard is not your usual credit card. The Wizitcard is an interest free credit card, with a simple $19 monthly fee that comes with no surprises - what you see is what you get.
The card can be used anywhere Mastercard is accepted.
Simply download the Wizit app. From there, you will be able to view our range of products and consider what may be suitable to you. Then, if you want to apply, you can commence the application process and you're on your way!
You'll need to provide some basic personal details, your internet banking details and two identification documents (Driver Licence, Passport or Medicare card). But, no need for printing and paperwork, all of this is taken care of digitally.
You can apply for a Wizitcard with a credit limit of up to $1,000.
With the Wizitcard, what you see is what you get. The Wizitcard is interest free forever, but some fees do apply.
- 0% p.a interest.
- $0 annual fee.
- $19 monthly fee applies only when you use the card in the month or have a balance owing in the month.
- $1 late payment fee. This fee is payable per day that the account is overdue and subject to a 14-day grace period.
- $1.90 dishonour fee. This fee is payable in the event that a direct debit is not honoured.
- 3% international conversion fee. If you ask us to process a transaction in a currency other than Australian dollars this fee will apply. The fee is equal to 3% of the Australian dollar value of the transaction.
We get that people want answers quickly, so we strive to give you the fastest, easiest and most hassle-free way to apply for our products. In saying that, sometimes we do need to check a thing or two and it can take a little more time than usual.
If you have any questions or want to discuss your application, you can contact us at hello@wizit.money or by calling during business hours on 1300 730 522.
We need your information to verify it's you, and also to determine whether our product is right for you.
Australian citizens over the age of 18 who meet our eligibility requirements. Additional eligibility requirements apply, these are articulated in our TMD.
We consider applications from a variety of customers. If you're a discharged bankrupt, you may still qualify for Wizit. Your application will be subject to our assessment criteria.
We welcome applications from anyone. Your application will be subject to our assessment criteria and a decision will be made based on your circumstances.
Yes, we will conduct a credit check if you apply for a wizitcard account. But don't worry if your history is a little shaky, we consider a range of factors when making our assessment.
Using the Card
You are able to use your Wizitcard anywhere where Mastercard is accepted.
Yes, you can use your Wizitcard to make overseas purchases. International conversion rates apply to purchases made in a currency other than Australian dollars and an International Conversion Fee of 3% will also apply.
As soon as your Wizitcard account has been set up, we will activate your digital card for you! You won't have to do a thing and your card will be ready for use.
Yes of course. Add the card to your Apple Wallet and off you go.
No. Cash advances are not available through your Wizitcard.
We do not allow or authorise gambling transactions through our Wizitcard.
While we understand that this can form part of normal entertainment for many people, we recognise that problem gambling is a growing issue in Australia.
Many financial institutions have placed similar restrictions on their products in an attempt to protect the financial wellbeing of their customers and we are no different.
Absolutely.
For Apple users - To pay with Face ID, double-click the side button, glance at your screen, then hold the iPhone near the reader. For Touch ID, hold your phone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader.
For Android users - You can use it anywhere you see either the Google Pay symbol or the contactless symbol. Just hold your Android phone near the reader until you see a check mark. You don’t even need to open the app to use it!
You can change your pin within the Wizit app. Navigate to the Manage Card section and follow the prompts.
Account
All of your account information is available is in the Wizit app. You can download the Wizit app from the App Store or Google Play Store.
You are able to update some personal details in the Wizit app. If you get stuck, give us a call during business hours on 1300 730 522 or get in touch via the Contact Us page.
Your account may be on hold for a number of reasons. This may happen for a number of reasons including if you are behind on your repayments or if we have identified suspicious activity on your account. Need further information? Get in touch during business hours on 1300 730 522.
No. You will need to download and install the Wizit app from the App Store or Google Play Store in order to log in to your account.
This could happen for a number of reasons. It could be that you have exceeded your credit limit, have overdue repayments, have an expired card, the transaction you are trying to make is restricted (such as gambling) or the transaction has been flagged as suspicious.
Please visit the Wizit app for further information or call us during business hours on 1300 730 522 if you would like to discuss a transaction.
We are a responsible credit provider and take a bunch of information into account when making our decisions.
Unfortunately we can't always provide you the exact reasons that your application was declined. However, if your situation changes, you can apply again in the Wizit app to see if you qualify.
If you exceed the credit limit on your Wizitcard you will not be able to make further transactions or purchases. We will contact you within 2 business days to notify you if this occurs.
Yes. While we would be sad to see you go, get in touch via the Contact us page and make a request or give us a call during business hours on 1300 730 522.
There is no cost to keep your Wizitcard account open if you have a zero balance and have not used the card in the month.
Yes you can. Get in touch via the Contact Us page and make a request or give us a call during business hours on 1300 730 522.
You will need to provide your account information, the reason for your request to reduce your credit limit, and the date you would like the reduction to take place.
If you have successfully transferred funds from your Powerup account, this should be instant. For any issues, get in touch via the Contact Us page or give us a call during business hours on 1300 730 522.
Please note that interest will be charged as soon as funds are transferred from your Powerup account to your Wizitcard.
No, you cannot use your Wizitcard as a funding source for Wizitpay. You will need to use a different card to fund your Wizitpay account.
Payments
If you miss a repayment, you will be given 10 days to bring your Wizitcard account up to date. If your account remains overdue after this time, your account will be placed on hold and you will not be able to make further purchases or transactions.
A Late Fee of $1.00 is payable per day that the account is overdue. This amount is capped at $100 per rolling 12 month period and subject to a 14 day grace period.
A $1.90 Dishonour Fee is also payable in the event that a direct debit is not honoured.
Yes, $19 per month, but only if you have used your card during the month or if there is an outstanding balance at any time within the month.
We like to keep things simple and affordable. We have designed the Wizitcard so you will always know your minimum repayment regardless of the amount you have spent.
If you repay your account weekly, your minimum repayment will be $10. If you repay your account fortnightly, your minimum repayment will be $20. And if you repay your account monthly, your minimum repayment will be $45.
Finally, if your closing balance at the end of the relevant statement period is less than the minimum repayment, your minimum repayment will be your closing balance.
Yes, you can make your required repayments early within the Wizit app. There are no penalties for paying early.
Yes, Wizit allows for BPAY payments to be made. Get in touch to find out how.
Your bank details can be updated through the settings option in the Wizit app.
Not at this stage. If you need to change your repayment amount or repayment date, please get in touch.
Debit times may vary depending on your financial institution and it's not something we can control. It's safest to leave available funds in your nominated account on the due date for the entire day until it has been debited.
Hardship
If you are struggling to meet your repayments and require assistance, we have a number of options available depending on your circumstances.
We have a dedicated, specialised team ready to assist. Please contact us as soon as possible to discuss your situation on 1300 493 827. You can also fill out the contact form here.
If your claim is declined, you are able to reapply for financial hardship assistance here.
If assistance is declined and you feel that the decision is unjust, Wizit has both internal and external dispute resolution processes in place.
If you have a concern or a complaint, in the first instance, please contact our internal dispute resolution department on:
Phone: 1300 768 621
Fax: (02) 9347 3600
Email: customercare@creditcorp.com.au
Mail: Customer Care, GPO Box 4475, Sydney NSW 2001.
If you remain dissatisfied with our response, you may raise your concerns with an independent dispute resolution service.
We are a member of the Australian Financial Complaints Authority (AFCA) which can be contacted by calling 1800 931 678, emailing info@afca.org.au or visiting www.afca.orga.au. Alternatively, you can write to AFCA at GPO Box 3, Melbourne VIC 3001.
There are also many external support networks that can provide you with assistance and guidance on your finances. The National Debt Helpline can be reached on 1800 007 007 should you wish to contact them.
Feedback & Complaints
We value your feedback and would like to hear from you. There are several ways to get in touch, head on over to the Feedback page for the details.
Wizit is here to help. If we haven't lived up to your expectations, we probably haven't met our own high standards and we would like to know about it.
There are several ways you can get in touch, head on over to the Feedback & complaints page for the details.
Privacy & Security
If you suspect fraudulent activity on your account it is important that you contact us as soon as possible.
A member of the Wizit team will review the situation.
Yes, you can temporarily lock your card in the Wizit app. Log on to the app, navigate to the manage card section and tap the 'lock card' toggle. You can unlock your card by switching the toggle off.
While your Wizitcard is locked, no further transactions can be processed.
You can find this on our website here.
You are able to report a lost card within the Wizit app, or give us a call during business on 1300 730 522. We will re-issue a digital card to you as soon as possible.
Getting Started
Wizit is an innovative and responsible lender offering our customers three ways to pay. Our products include wizitpay, wizitcard and powerup. We consider customers in varying situations and promote financial inclusiveness wherever possible.
Powerup is a Continuing Credit Contract that allows you to draw funds directly to your bank account or to your Wizitcard.
Simply download the Wizit app. From there, you will be able to view our range of products and consider what may be suitable to you. Then, if you want to apply, you can commence the application process and you're on your way!
You'll need to provide some basic personal details, your internet banking details and two identification documents (Driver Licence, Passport or Medicare card). But, no need for printing and paperwork, all of this is taken care of digitally.
You can apply for a Powerup account with a credit limit of up to $30,000.
Wizit caters to a wide range of customers. Our Powerup account interest rates range from 19.9% to 47.8%.
We get that people want answers quickly, so we strive to give you the fastest, easiest and most hassle-free way to apply for our products. In saying that, sometimes we do need to check a thing or two and it can take a little more time than usual.
If you have any questions or want to discuss your application, you can contact us at hello@wizit.money or by calling during business hours on 1300 730 522.
We need your information to verify it's you, and also to determine whether our product is right for you.
Australian citizens over the age of 18 who meet our eligibility requirements. Additional eligibility requirements apply, these are articulated in our TMD.
We consider applications from a variety of customers. If you're a discharged bankrupt, you may still qualify for Wizit. Your application will be subject to our assessment criteria.
We welcome applications from anyone. Your application will be subject to our assessment criteria and a decision will be made based on your circumstances.
Yes, we will conduct a credit check if you apply for a powerup account. But don't worry if your history is a little shaky, we consider a range of factors when making our assessment.
Account
All of your account information is available is in the Wizit app. You can Download the Wizit app from the App Store or Google Play Store.
You are able to update some personal details in the Wizit app. If you get stuck, give us a call during business hours on 1300 730 522 or get in touch via the Contact page.
Your account may be on hold for a number of reasons. This may happen for a number of reasons including if you are behind on your repayments or if we have identified suspicious activity on your account. Need further information? Get in touch during business hours on 1300 730 522.
No. You will need to download and install the Wizit app from the App Store or Google Play Store in order to log in to your account.
We are a responsible credit provider and take a bunch of information into account when making our decisions.
Unfortunately we can't always provide you the exact reasons that your application was declined. However, if your situation changes, you can apply again in the Wizit app to see if you qualify.
If you have made the transfer during business hours, most major banks will put the funds into your account in under an hour from when we transfer the cash.
From time to time it can take a little more (up to 3 hours) but we find it is safest to wait at least 2 hours and check again before contacting us.
If you have made the transfer outside of usual business hours, it can take between 1-3 days, as most banks do not process transfers outside of business hours.
If you can’t wait that long and you also have a Wizitcard, you can transfer the funds to your card and shop immediately.
If you have successfully transferred funds from your Powerup account, this should be instant. For any issues, get in touch via the Contact Us page or give us a call during business hours on 1300 730 522.
Please note that interest will be charged as soon as funds are transferred from your Powerup account to your Wizitcard.
Subject to our approval, you can transfer unused credit from your Wizitcard to your Powerup account by manually requesting a transfer back to your Powerup account, up to the amount of any prior Powerup. Contact us if you would like to make a request.
Once the sum of your repayments minus any interest and fees charges reaches the lower of $500 or 25% of your Credit Limit, you may be eligible to apply for a TopUp to access further funds.
Payments
If you miss a repayment, your account will be placed on hold and you will not be able to access additional credit until you bring your account up to date.
A Late Fee of $1.00 is payable per day that the account is overdue. This amount is capped at $100 per rolling 12 month period and subject to a 14 day grace period.
A $1.90 Dishonour Fee is also payable in the event that a direct debit is not honoured.
No. There are no monthly fees applied on your Powerup account.
Repayments will be made in line with your income frequency and your repayment amount will vary depending on how much credit you have accessed from your Powerup account.
The specific dates and amounts can be located in the Wizit app and you will only pay interest on the credit you have accessed.
Yes, you can make your required repayments early within the Wizit app. There are no penalties for paying early.
Yes, Wizit allows for BPAY payments to be made. Get in touch to find out how.
Your bank details can be updated through the settings option in the Wizit app.
Not at this stage. If you need to change your repayment amount or repayment date, please get in touch.
Debit times may vary depending on your financial institution and it's not something we can control. It's safest to leave available funds in your nominated account on the due date for the entire day until it has been debited.
Hardship
If you are struggling to meet your repayments and require assistance, we have a number of options available depending on your circumstances.
We have a dedicated, specialised team ready to assist. Please contact us as soon as possible to discuss your situation on 1300 493 827. You can also fill out the contact form here.
If your claim is declined you are able to reapply for financial hardship assistance here.
If assistance is declined and you feel that the decision is unjust, Wizit has both internal and external dispute resolution processes in place.
If you have a concern or a complaint, in the first instance, please contact our internal dispute resolution department on:
Phone: 1300 768 621
Fax: (02) 9347 3600
Email: customercare@creditcorp.com.au
Mail: Customer Care, GPO Box 4475, Sydney NSW 2001.
If you remain dissatisfied with our response, you may raise your concerns with an independent dispute resolution service.
We are a member of the Australian Financial Complaints Authority (AFCA) which can be contacted by calling 1800 931 678, emailing info@afca.org.au or visiting www.afca.orga.au. Alternatively, you can write to AFCA at GPO Box 3, Melbourne VIC 3001.
There are also many external support networks that can provide you with assistance and guidance on your finances. The National Debt Helpline can be reached on 1800 007 007 should you wish to contact them.
Feedback & Complaints
We value your feedback and would like to hear from you. There are several ways to get in touch, head on over to the Feedback page for the details.
Wizit is here to help. If we haven't lived up to your expectations, we probably haven't met our own high standards and we would like to know about it.
There are several ways you can get in touch, head on over to the Feedback & complaints page for the details.
Privacy & Security
If you suspect fraudulent activity on your account it is important that you contact us as soon as possible.
A member of the Wizit team will review the situation.
You can find this on our website here.
Signing Up
We’d love to have you on board! From the menu, select Retail Partners and then Become a Partner and follow the prompts. If you have any questions, get in touch on 1300 730 522, our team will be more than happy to assist.
We pride ourselves on being a better value, more sustainable choice for retailers and consumers alike. We offer low merchant fees, next day settlement and complimentary brand exposure via our shop page and social media.
Plus, we have a long history of providing affordable and sustainable lending solutions to Australians over many years and pride ourselves on financial inclusion.
My Orders
We take on the customer initiated fraud risk so you will still get paid. We ask if you discover fraud at any point with an order, please contact us here or by calling us on 1300 730 522 to report it straight away.
Payments
Wizit has no setup fees and our merchant fees start from a low 2%.
Wizit will deposit payment into your nominated bank account, minus our fees, the following business day.
These transfers are subject to regular bank processing times.
To verify the status of your order, check your retailer portal or your e-commerce platform which will display all successful purchases.
Support & Feedback
Anything Else
Yes. Wizit does not require you to use us as an exclusive service.
At Wizit, we don’t have any lock in contracts, so this means you can disable our plugin at any point. If you are having concerns, we simply ask that you get in contact with us first so that we can try and resolve any concerns you have with continuing our partnership.
Any request for changes to be made to your account must be requested by an authorised person via email (please refer to the agreement/system for details).
The authorised person is generally the signatory on the agreement or the nominated delegate.
These requests must be made via email to the Wizit Retail Support Team. Only existing authorised contacts can request changes to their Retail Portal.
In the event of a new staff member holding the position, the request must come from the existing authorised contact with an explanation of the change, e.g. they are no longer with the company, etc.
An incident refers to an unplanned interruption or reduction in quality of Wizit’s Systems or IT Support Services.
Please contact our Wizit Retail Support Team here or by calling us on 1300 730 522 to first report the issue.
We will then escalate the issue internally and will be in contact with you to discuss further (impact, timeframe for resolution, actions we are taking to resolve the issue, etc.)
Integration steps vary depending on your e-commerce platform. To find out further details about integrating, head to our Integration and API page. Alternatively, get in touch with our team who will be more than happy to help.
We currently integrate with WooCommerce, Wordpress, Magento, Magento 2, Salesforce, Opencart, Lightspeed and Prestashop.
We are hoping to add more soon so if you don’t see your platform listed here, please contact us on 1300 730 522 to discuss your requirements.
Refunds are initiated by you. You are able to complete this request in the admin area of your e-commerce platform or via your Wizit retailer portal.
If a customer contacts Wizit about a refund, we will advise the customer to contact you to discuss the situation.
We have a complex system that constantly monitors and evaluates an array of data.
