Sending an applicant up to any examiner to take a flight test WITHOUT a checklist for the airplane being used for the test will usually result in an instant failure.
Certainly not under Australian regulations and you can rest assured that any flight operations inspector in Australia who failed a candidate purely for not using a written checklist for a flight test, would find himself quickly removed from testing duties by the regulator and retrained. I guess it all depends on the regulatory authority of the country concerned. Some inspectors are quite anal - depending on personality and own pet hates.