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References

• ¹ 1. This offer is intended for Zip customers who receive a targeted communication from Zip. The offer is personalised to you. To receive $10 cashback you must be one of the first 100 customers to activate your EOFY offer and use your Zip account to spend at least $110 in one transaction with any Zip merchant between 12:00 AM AEST 17/06/2025 and 23:59 PM AEST 17/06/2025. This offer is only valid once during the promotional period. The cashback will be credited to your account within 30 days post the offer end date. Any transactions you have made using your Zip account prior to the promotional period before activating your offer will not be counted towards the qualifying amount. 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). 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. Fees and charges subject to change. T&Cs apply. Find out more zip.co/au/zip-pay Zip Plus - T&Cs and credit approval criteria apply. A monthly account fee of $9.95 applies unless you repay your balance in full by the end of the last day of the month. Each day ends at 11:59pm AEST (AEDT during daylight savings). 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). Visit zip.co/au/zip-plus to find out more. Zip Money - T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. 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. Find out more zip.co/au/zip-money Your personal information is handled in accordance with Zip’s Privacy Policy and the Privacy Act 1988 (Cth). 2. Offers made directly with retailer are subject to their T&Cs. See retailer website for more details. Zip does not guarantee the offer. Zip may receive a commission. 3. Amazon: Eligible purchases on Amazon.com.au are interest free for the first 12 months subject to a minimum spend of $1 and continuity of promotional offer between Amazon and Zip . At the end of the interest free period, interest will be charged on any balance outstanding at the Zip Money standard variable rate, being 25.9% per annum as at 1 January 2025. A monthly account fee of $9.95 will apply and a one-off establishment fee may apply for new customers. Available to approved applicants only and subject to completion of satisfactory credit assessment. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. T&Cs and credit approval criteria apply. Interest and other fees and charges may be payable, see Zip T&Cs. Interest, fees and charges subject to change. T&Cs and credit approval criteria apply. T&Cs available on application. See your Zip contract for further details. Credit provided by Zip Money Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. 4. 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 69 079 137 518 5. Gift card T&Cs apply
• ^* 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
• ^{^} Gift card T&Cs apply.