Wise or Aus Post Credit Card for Internet Purchases?

slowlyslowly on 26/03/2025 - 08:56

Hi, I was just about to get an Auspost prepaid credit card to make internet purchases, mainly to limit my risk to amount on the card, rather than expose details of one of the banks I bank with. Thought I should research here first in case I was missing out on something. Wise (and Macquarie, etc) popped up and read a fair bit about them.

The card will 95% be used for internet purchases in Aus, any advantage one way or the other? Or just not bother worrying about, too small an issue or difference to matter in the use case? Thanks in advance

Financial Credit Card

Comments

  • tenpercent on 26/03/2025 - 09:02
    +1

    Wise (and Macquarie, etc) popped up and read a fair bit about them.

    What did your reading tell you about them?

  • CodeXD on 26/03/2025 - 09:06
    +3

    The card will 95% be used for internet purchases in Aus

    Why not get a credit card and collect points?

    Not sure who you bank with but usually there is discounted annual fee if you already have an account with them.

  • Shadowsfury on 26/03/2025 - 09:13

    Just sign up for a debit card with a bank you don't normally use - ideally one without any forex fees (just in case)

    Transfer only what's needed for your purchase, spend it, leave it empty again

  • slowlyslowly on 26/03/2025 - 09:15
    -1

    Code XD, just wanted to keep this totally separate from the bank accounts. I have a couple of cards which accumulate points, this is a protection thing.

    Ten percent, most use Wise for OS transactions, I didn't read much about using locally, hoping to get some user experience.

  • boomramada on 26/03/2025 - 09:17
    +2

    Auspost prepaid credit card to make internet purchases, mainly to limit my risk to amount on the card

    Prepaid, if you get scammed, that does happen, you get ZERO back. If you get scammed, the bank issues a CC, which eventually refunds you based on how it happened.

  • slowlyslowly on 26/03/2025 - 09:18

    Thanks Shadowsfury, that may work out the way

  • slowlyslowly on 26/03/2025 - 09:19

    I never thought of that Boomramada, that does make a difference

  • tonester on 26/03/2025 - 09:42
    +1

    • credit card - you’re spending someone else’s money (bank/card provider’s) not yours, so extra protection against fraud, also some offer 90-day purchase protection, up to 1yr extended warranty

    • debit card - i prefer Revolut which offers unlimited virtual card numbers

    • also pay via PayPal, who have their own buyer protection in addition to the card provider’s, or other 3rd party payment processor, such as Apple/Google Pay, to hide your actual card number from merchants

    ps to reply to comments, use the reply button rather than making a new comment :)

    • slowlyslowly on 26/03/2025 - 10:03

      Taught me two things Tonestar, looking in to Revolut now - and reply button :)

    • slowlyslowly on 26/03/2025 - 18:50

      Thanks for the Revolut link Tonester, just signed up for the $40 offer

  • animasoIa on 26/03/2025 - 09:52
    +2

    Zip allows you to generate one-time use cards that expire after 24-hours. Gives me anonymity and safety. But you have to use Zip, lol.

  • FrogSoup on 26/03/2025 - 11:17
    +2

    I used to use the reloadable Australia Post card for subscriptions and online purchases. At first it was good but then over time so many places stopped accepting it that it made it not a viable option anymore.
    I did what other people have suggested and opened a debit card with a different bank to my usual one and use that. I only keep a small amount in the account and transfer money across as I needed.

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