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Wizard clear advantage mastercard charges

Wizard Clear Advantage MasterCard At Wizard we are committed to educating our customers about charges. An important part of this is letting you know some of the options available to help you reduce or avoid charges altogether.

General tips

  • Keep track of your available balance using the Online Service Centre or by calling on 1300 552 079.
  • If your circumstances change, so can your credit limit. If you would like to review your current limit, please call us on 1300 552 079.

How can I avoid paying late and over-limit charges?

  • Avoid over-limit charges by regularly checking your available credit and not spending more than this.
  • Avoid late charges by ensuring you have paid at least your minimum payment before the due date.
  • Pay special attention when using payment methods such as Bpay and personal cheques, which can take between three to five business days to process.
  • Ensure you have sufficient funds in your account so all direct debits and other scheduled payments can be made.
  • Contact us to review your credit card limit.

Charges

Below is a summary of your charges. For a more detailed explanation, please refer to your Contract Documents.

Overview – Wizard Clear Advantage MasterCard

Standard Annual Percentage Rate
 The interest you pay on purchases and cash advances.

19.24% p.a.

Interest Free Days
 The number of days no interest will be charged for the Wizard Clear Advantage MasterCard purchases you make.

Up to 55 days

Cheque Dishonour Charge
 This is applied if a cheque payment is rejected by the paying bank.

$10

Direct Debit Dishonour Charge
 This is applied if a direct debit is rejected by the paying bank.

$2.50

Australia Post Payments Charge
 The cost incurred from making your payment at Australia Post.

$1.50<

Late Charge
 This fee is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date.

$35

Over-limit Charge
 This is incurred when a purchase takes your balance over your credit limit.

$35

Statement Reprint Charge
 This is charged if you request a copy of your statement (the charge is waived if you did not receive your original statement).

$7

Voucher Retrieval Charge
 If you wish to dispute a purchase, you can request a copy of the purchase receipt. No charge will be applicable if you did not approve the purchase.

$7

Trace Charge
 If you move, you need to let us know your new address. If your monthly payment is late and we have to trace where you've moved, you'll be charged a Trace Charge.

$30