Bits

Product Comparison

What is the difference between our credit card and store card? Here is the answer:

Bits Store Card

A digital card

It's a digital card, not physical.

Shop only in Bits store

You can use it in the Bits store, paying 70% up front for each purchase, and 30% goes on the credit line.

Higher credit limits

Limits tend to be higher than on the credit card, meaning that this is more impactful with building credit.

Paid in full, monthly

You have to pay back your balance in full, with a single bullet repayment every month

You have to pay back your balance in full, with a single bullet repayment every month.

Bits Credit Card

A physical credit card

It's a real piece of plastic. Sent to your home.

Shop across the world

You can use it wherever MasterCard is accepted

You can use it wherever MasterCard is accepted.

Low credit limits

You get a low credit limit to start with, lower than what you'd get from a bank credit card

You get a low credit limit to start with, lower than what you'd get from a bank credit card.

Paid in full, weekly

You have to pay back your balance in full, with a single bullet repayment every week

You have to pay back your balance in full, with a single bullet repayment every week.

Not repaying on time will result in an adverse report to the credit agencies which may negatively impact your credit score.

Please note that the Bits Credit Card and Bits Store Card are not regulated credit products as they are structured under exemptions in the Regulated Activities Order.

Start building credit today

Get the app

Start building credit today

Get the app