Wise is a Visa debit card, not a credit card. I was responding to your question which was something like "why not use your normal bank card".
As I already mentioned, normal Aussie bank debit cards are prohibitively expensive for ATM pulls which is the topic. There are only a few options to reduce the fees, ING Orange Everyday being one of them.
I note from another post that you might be Canadian. If so then there's no point comparing your card options to Australian ones, it's a totally different universe down there.