Christmas comes early with $15 Zip credit back!*

Hurry, offer ends 20 January 2021.
Only available to new Zip customers.

Apply for a Zip account

Get $15 credit back when you shop with Zip at all your favourite stores

Shop everywhere for Christmas, and pay later!

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Up to $1000 to spend with Zip Pay
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Interest free, from just $10 a week
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Flexible repayments

Sign up in minutes and pay for just about everything


*Terms and Conditions

Sign up as a New Customer for a Zip Account and complete your first transaction of $50 AUD or more within the Offer Period to get $15 AUD credit back to your Zip Account (“Offer”). This Offer is only available between 12:01AM (AEDT) on Monday 23 November 2020 and 11:59PM (AEDT) on Wednesday 20 January 2021 (""Offer Period"").

To be eligible to receive this Offer you must, within the Offer Period;

1. Apply for a Zip Pay or Zip Money Account for the first time (“Zip Account”) via the link https://zip.co/promotion/activate-15 and be approved for the Zip Account in accordance with our approval criteria (“New Customer”); and

2. Successfully complete a transaction of $50 AUD or more instore or online using your Zip Account.

If you have previously held a Zip Account, either active or previously closed, you will not be eligible for this Offer.

The credit back is capped at a maximum of $15 AUD credit back per Zip customer (i.e. you are only eligible for the Offer once). The $15 AUD credit back amount will be applied within 14 business days to the Zip Account from which the eligible transaction was made.

Credit back shall appear on your applicable Zip statement with the following description: Activate15.

Any credit back amount applied to your Zip Account will result in a reduction of the amount you owe to Zip for the eligible transaction and not as a payment towards the eligible transaction. You will not be able to withdraw the credit from your Zip Account or revert to cash, it can only be used via your nominated Zip Account. This Offer is subject to your Zip Account (used to participate in the Offer) remaining open and being kept in good standing for the duration of the Offer Period and until the credit back amount is applied to your Zip Account.

This Offer is subject to the applicable Zip Pay or Zip Money T&C’s provided at the time you sign(ed) up to Zip (as amended from time to time).

No promo code is required to claim the offer. Should any eligible transaction be refunded the applicable credit back will be adjusted in accordance with your refund.

Zip does not make any warranties or representations on the delivery, service, quality, quantity, merchantability, suitability or availability of the services provided. Nothing in these conditions is intended to exclude, restrict, or modify any non-excludable right or remedy you have under law including the Australian Consumer Law. Any disclaimer, exclusion, or limitation as provided for in these conditions applies to the full extent permitted by law and subject to any non-excludable right or remedy. Zip reserves the right to vary the terms and conditions of the Offer and Offer Period at its reasonable discretion by publishing revised terms on https://zip.co/promotion/activate-15, including (but not limited to) cancelling or in any way modifying this Offer or Offer Period.

This offer is being made by Zip Money Payments Pty Ltd ABN 58 164 440 993 Australian Credit Licence Number 441878.