Home
Apply now
Sign Up

A fearless financial
future awaits

Explore our products:

Explore Products

  • Up to $1,000
    for your everyday

    • Interest free always

    • Spend everywhere Visa is accepted1

    • Flexible repayments from $10/week2

    Sign up to Zip Pay
  • New

    Up to $8,000
    for everyday, plus more

    • Interest free when your end of month balance is under $1,5003

    • Spend everywhere Visa is accepted1

    • Flexible repayments from $20/week3

    Sign up to Zip Plus
  • Up to $5,000
    for not-so-everyday

    • Interest free for a minimum of 3 months and up to 5 years4

    • Over 53,000 partnered merchants

    • Flexible repayments from $10/week4

    Sign up to Zip Money

Compare products and features

What Zip Plus offers

Credit limit

$350-$1,000

Upgrade from Zip Pay to Zip Plus available, subject to credit assessment.

$2,000-$8,000

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.

Digital Visa card1

Zip Pay tap to pay card
Zip Plus tap to pay card

Over 53,000 merchants

Use the Zip app to pay instore at partnered merchants.

Online checkout

Secure online shopping

Choose Zip at checkout or use your Zip Pay Visa Card.1

Secure online shopping

Choose Zip at checkout or use your Zip Plus Visa Card.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

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

Pay online anywhere Visa is accepted1

Pay for subscriptions and recurring purchases1

Generate single-use Visa cards for extra protection when shopping online5

Integrated online checkout

No international transaction fees

Earn cashback or Qantas Points with Zip Rewards6

Pay BPAY® Billers7

Get refund support with Buyer Protection

Learn more about Zip Plus

References

  • Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC. 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.
  • 1 Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa 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. 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 and will vary depending on your credit limit. 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 Zip Single-use card T&Cs apply
  • 6 Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.
  • 7 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