Wizard Clear Advantage MasterCard Frequently Asked Questions

Who do I contact with enquiries about the Wizard Clear Advantage MasterCard?

You can call the Wizard Clear Advantage MasterCard Customer Solutions team on 1300 552 079. The team do not currently handle email enquiries.

How much money can I balance transfer from my existing credit card?

You can transfer any amount up to the available credit on your account (subject to a minimum of $100).

How much cash can I withdraw on my Wizard Clear Advantage MasterCard?

Subject to your available credit, you can withdraw up to $1,000 per day at an ATM and up to $3,000 per day over the counter at a financial institution. Some financial institutions may also limit the amount of cash you can withdraw through their facilities.

What are the approval criteria for the Wizard Clear Advantage MasterCard?

Like most financial institutions, we work on a credit check system to make sure that we are identifying the right person, to prevent fraud. Our lending criteria take many factors into consideration. We don't disclose the specific details on our criteria. However, if you're declined for this product, we'll advise you of this in writing.

I've seen other credit card offers that are similar. Why should I choose the Wizard Clear Advantage MasterCard?

The Wizard Clear Advantage MasterCard offers a competitive interest rate on purchases and cash, no annual fee and up to 55 days interest free on purchases.‡

If I don't pay off my balance transfers in the first six months, what interest will I be charged?

You'll be charged the standard annual percentage rate –19.24% p.a – on any unpaid balance transfers after six months from date of account opening.

Can the Wizard Clear Advantage MasterCard be linked to my mortgage?

No, this product isn't designed for those seeking a mortgage linked credit card.

Can I pay my credit card balance at a Wizard branch?

No. Unfortunately our branches aren't set up to handle payments, but you can pay via Direct Debit, BPAY, at Australia Post outlets (a small handling fee will apply) or you can mail a cheque or money order made payable to Wizard Clear Advantage MasterCard, GPO Box 5373, Melbourne Vic 3001.

The BPAY biller code and customer reference number will be included in your monthly statement, or call 1300 552 079.

What will my credit limit be?

Our lending criteria takes into account many different factors. The information that you supply in your application will assist us in determining your credit limit, and if your application is approved, we will let you know your credit limit in your Welcome Pack.

Can I have an additional cardholder on my account?

Yes. If you would like your partner or friend to enjoy the ease and convenience of the Wizard Clear Advantage MasterCard, free additional cards are available (up to 9 at no cost to you). You can view all itemised transactions on the one simple statement, allowing you to track and monitor shopping and expenses.

If I apply online, when can I expect to receive an answer on my application?

We can give an answer on your application within seconds in most instances.

If I apply online, and my application is approved, when can I expect to receive my card?

It will take approximately 10 working days from your approval for you to receive your card

If I apply by mail, when can I expect to receive an answer on my application?

It will take approximately 10 working days from receipt of your application to receive an answer from us in writing.

If I apply by mail, and my application is approved, when can I expect to receive my card?

If approved, you will receive your card with your approval letter 10 working days after your application.

Who do I call if I want to track my application?

You can call our Customer Care Centre on 1300 552 079 to check your application status.

Can I apply for the Wizard Clear Advantage MasterCard in a Wizard branch?

Unfortunately you can't apply in a Wizard branch. However, you can apply online or print out a PDF of the application form from the website.

How long is the 4.99% p.a. Balance Transfer rate available for?

The 4.99% p.a. balance transfer rate will apply to balance transfer amounts for the first six months after your account is opened. Unpaid balance transfers will then be charged the standard annual percentage rate of 19.24% p.a.

How do I activate my credit card?

When you receive your card, you will need to activate it. Call our Customer Care Centre on 1300 721 540 and follow the prompts. Don't forget to sign your card immediately!

Are there any countries where I can't use my card?

Yes, your card will not be accepted in Cuba, Sudan, North Korea, Burma or Iran. This information is correct as at 18 April 2008.

Choose your own PIN

From 4 June 2008, when you make a purchase on your Wizard Clear Advantage MasterCard, you’ll have the choice of signing or entering your PIN when verifying your transaction. To make it easier for you, it’s now possible to create your own PIN with a simple phone call. So if you’re having trouble remembering your existing PIN, simply call us to choose your own! Remember, you’ll need a PIN number if you’re travelling overseas or need to withdraw cash.

Call us today to create your own PIN

Follow these easy steps:

1. Call 1300 559 082
2. Have your card number ready and follow the operator prompts
3. Choose and enter your own 4 digit PIN

To make your PIN more secure:

• Don’t select a PIN that uses your birth date, or an alphabetical or numeric code, which is a recognisable part of your name or address.
• Don’t select a PIN which has sequential numbers, e.g. '1234' or where all numbers are the same, e.g. '1111'.
• Select a PIN that’s easily remembered only to you, without needing to write it down.

For your security, never:

1. Write down or record your PIN or PIN change reference number.
2. Save your PIN to a mobile phone, computer, organiser or other device.
3. Write down or record a disguised PIN, for example, by reversing the numbers.

If you don’t follow these instructions, in the event of loss or theft, you may be held liable for any unauthorised transactions on your account. If your card or PIN is lost or stolen, please notify us immediately.