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Happy holiday shopping

Pay for your presents with Zip and spread the cost over time. Unwrap deals, earn cashback and pay later.

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Fool-proof Christmas gifting

The perfect pressie from $25 to $1000. Choose from over 200 brands, add a message, send it now or schedule for later.3

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Zip not at checkout?

Use a Zip single-use card to checkout securely online, anywhere Visa is accepted.2

Explore Single Use Card


  • 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 check. Other charges may be payable. T&Cs apply.
  • Zip Money: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes Zip bills and gift cards. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).
  • 1 Offers made directly by retailer and subject to their T&Cs. See retailer website for more details. Zip does not guarantee the offer. Zip may receive a commission.
  • * Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.
  • 2 Single-use card T&Cs apply. VISA is a trademark owned by Visa International Service Association and used under license.
  • 3 Gift card T&Cs apply.