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Explore Products
Up to $1,000
for your everydaySign up to Zip PayInterest free always
Spend everywhere Visa is accepted1
Flexible repayments from $10/week2
Up to $4,000
for everyday, plus moreSign up to Zip PlusInterest free when your end of month balance is under $1,5003
Spend everywhere Visa is accepted1
Flexible repayments from $20/week3
Up to $5,000
for not-so-everydaySign up to Zip MoneyInterest free for a minimum of 3 months and up to 5 years4
Over 53,000 partnered merchants
Flexible repayments from $10/week4
Compare products and features
What Zip Plus offers
Zip Pay
Explore Zip PayZip Plus
Explore Zip PlusZip Money
Explore Zip MoneyCredit limit
$350-$1,000
Upgrade from Zip Pay to Zip Plus available, subject to credit assessment.
$2,000-$4,000
Zip Pay not available once you sign up to Zip Plus.
$1,000-$5,000
Up to $50,000 available when you apply via select partnered merchants.
Tap to pay with Visa1
Over 53,000 merchants
Use the Zip app to pay instore at partnered merchants.
Online checkout
Secure online shopping
Choose Zip at checkout or create single-use virtual cards.1
Secure online shopping
Choose Zip at checkout or create single-use virtual cards.1
Secure online shopping
Choose Zip at checkout or create single-use virtual cards.1
Interest
Free
Interest free always.
No interest or low interest
Interest free when your owing balance at the end of each month is under $1,500. And a low rate of 12.95% p.a when it's over.3
Min. 3 months interest free
Interest free for a minimum of 3 months and up to 5 years at select merchants, 25.9% p.a thereafter.4
Monthly account fee
$9.95/month
$0 if no balance
No monthly account fee when you pay your statement closing balance, in full, by the due date, or a monthly account fee of $9.95 if you need more time to pay.2
$9.95/month
$0 if no balance
No monthly account fee if you have no balance owing, or $9.95 if you have a balance owing at the end of the month.3
$9.95/month
$0 if no balance
No monthly account fee when you have no balance owing, or $9.95 if you have a balance owing at the end of the month.4
Repayments
From $10/week
Set your repayment amount, date and frequency to suit you - weekly, fortnightly or monthly.
From $20/week
Set your repayment amount, date and frequency to suit you - weekly, fortnightly or monthly.
From $10/week or 3% of balance owing, whichever is greater
Set your repayment amount, date and frequency to suit you - weekly, fortnightly or monthly.Purchases over $300 are split into equal instalments to help you avoid interest charges.4
Establishment fee
$0
$0
Up to $99
$0 up to $1,000,
$25 for up to $2,000,
$49 for up to $3,000,
$75 for up to $4,000,
$99 for up to $5,000+.4
Benefits
Pay instore everywhere Visa is accepted1
Securely pay online with a Visa single-use card1
Integrated online checkout
No international transaction fees
Earn cashback or Qantas Points with Zip Rewards5
Pay BPAY® Billers6
Get refund support with Buyer Protection
References
- 1 Tap to pay in store available with Zip Pay and Zip Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single-use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
- VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
- 2 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.
- 3 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 $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. 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.
- 4 Zip Money Instalments: 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).
- 5 Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.
- 6 Payments may take up to 5 business days to reach your Biller. Certain Biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans and DEFT rent. A $2.50 processing fee may be payable for each bill processed using Zip Money. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. Exceptions may apply. ® Registered to BPAY Pty Ltd ABN 69 079 137 518