Home
Apply now
Sign Up

30 days.
30 winners.
Up to $5,000
each day

Win your cart back this Black Friday

Get what you NEEDWANT™ this Black Friday

Ticking off gifts? Prepping the house for summer? Apply for Zip then shop anywhere for your chance to win your entire cart back—up to $5,000 every day.

Every tap and checkout is a chance to win. Shopping with Zip Money? You'll get 5 bonus entries for every transaction.

Competition ends 30 November 2026. Winners announced 14 December 2026^.

Sign up nowShop now

Zip Accounts

  • Zip Pay logo

    For your everyday,
    interest free.

    up to $1K to spend instantly once approved.1

    Sign up now
  • Zip Plus logo

    For your everyday,
    plus more.

    Up to $20K, interest free when your end of month balance is below $1,000.2

    Sign up now
  • Zip Money logo

    For life's next
    step.

    Apply today up to $5K or $50K through our partnered merchants.3

    Sign up now
Compare Zip products

Why Zip? Why not!

  • Sign up in minutes

    Applying is fast and easy so you can start shopping today.

  • Pay online and instore

    With a digital Visa card for online and instore shopping, even when you don’t see Zip at checkout.

  • Repay at your pace

    Our flexible repayments put you in control by letting you pay later at your own pace.

Download the Zip app

4.9App store rating
Every shop is a chance to win your cart back.^

References

  • T&Cs, fees and credit approval apply. Other charges may be payable. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
  • 1 Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip-pay to find out more.
  • 2 Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. Minimum monthly repayments are required and will vary depending on your closing balance at the end of each statement period. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
  • 3 Zip Money: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly payments are required and vary depending on your closing balance at the end of each statement period. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
  • ^ Eligible Entrants: Australian residents aged 18+ with an active Zip Pay, Zip Plus or Zip Money Account and valid email/phone number.
    Promotion period: Between 0:01 AEDT 1/11/2026 and 11:59PM AEDT 30/11/2026 How to enter: Hold an active Zip Account and make any purchase of $0.01 or more using your Zip Account during the Promotion Period.
    Bonus entries: Making a purchase using Zip Money (5 entries). Unlimited entries permitted.
    Prize: 30 prizes to be won. Each prize is up to $5,000 worth of the winner’s cart value, awarded as a credit applied to the winner’s Zip Account. Total Prize Pool is up to $150,000.
    Draw: A random prize draw will occur at 11:00am AEDT on 8 December 2026. Unlimited redemptions per customer.
    Winners announcement: Winners will be published on zip.co/au/page/terms-win-your-cart-back by 14 December 2026. Promoter: Zip Money Payments Pty Ltd, Level 7, 180 George Street, Sydney NSW 2000.
    Full T&Cs: zip.co/au/page/terms-win-your-cart-back T&Cs, fees and credit approval apply. Other charges may be payable. Credit provided by Zip Money Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878) Permit numbers: NSW Authority No. TP/05443, ACT Permit No. TP 26/02450, SA permit. T26/1887