For everyday, there's Zip Pay
For everyday,
there's Zip Pay
Apply for up to $1,000 to spend, interest free always.
Why choose Zip Pay?
Zip Pay is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you, interest free.1
Flexible repayments
Choose a weekly, fortnightly or monthly schedule. Pay off early if you like, without a penalty.
Pay later, interest free
Every transaction you make with Zip Pay is interest free, always.
Approval in minutes
Apply in minutes, with no establishment fees and nothing to pay today.
Nothing to pay today, no hidden fees, and no interest, ever.
$0 establishment fee
We don’t charge you anything to open a Zip Pay account. Start shopping right away with nothing to pay upfront.Interest free, always
We don’t charge interest on your purchases, and we never will.$9.95 monthly account fee
Waived if you pay your statement closing balance in full before the due date.Pay your statement closing balance, in full, by the due date and we'll waive the fee.From $10/week flexible repayments
Choose weekly, monthly or fortnightly repayments. Repayments start from just $10 per week. Minimum monthly repayments apply.$350-$1,000 credit limit
Once you're approved we'll confirm your account credit limit.You may be eligible for a credit limit increase once you've been using your account for at least 6 months.
Need a larger limit?
Explore Zip Money
Purchase gift cards on the app
The perfect present, delivered in seconds. Choose from over 200 great brands with flexible amounts from $25 to $1000. Add a personal message, and send it now or schedule it for that special day. Gift card T&Cs apply.
Shop gift cards
Pay your bills
Use Zip with over 60,000 BPAY® Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There's just a small $2.50 processing fee when using Zip Money, no matter how big your bill is.2
Earn instant cashback
Not only are we flexible, we're rewarding too. Earn instant cashback when shopping at our rewards partners.
Download the Zip app to browse and activate our range of offers.*
Shop cashback offers
Spend with Zip Pay just about anywhere
Online shopping
Online shopping made easy
Your Zip Pay Visa Card works online anywhere Visa is accepted, even when you don't see Zip at checkout.** Just access your card details from the Zip app.
Open the ‘Pay’ tab in the Zip app
Tap your Zip Pay Visa Card
Use the card details to complete your purchase
Instore shopping
Tap your Zip Pay Visa Card
From grabbing a coffee to filling up the tank, pay with a tap of your phone. Add Zip Pay to your digital wallet and pay anywhere Visa is accepted.**
Open the ‘Pay’ tab in the Zip app
Add your Zip Pay Visa Card to your phone’s digital wallet
Tap your phone instore anywhere you see Visa or the Contactless Symbol
How do Zip Pay repayments work?
We have 2 repayment options:
- Choose your repayments: Set your repayment amount, date and frequency to suit you - weekly, fortnightly or monthly.
- Fee waiver: Zip will automatically adjust your Zip Pay repayment schedule to pay off your full balance owing each month, so that you don't have to pay the monthly account fee.
Frequently Asked Questions
- Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0001. You can buy what you love and enjoy the flexibility of paying it off over time.
- Apply in under 4 minutes and start shopping instantly once approved
- Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.**
- Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.
Zip Plus is a great value digital card with interest free and waived fee options. You’ll have more spending power than Zip Pay, with access to a credit limit of $2,000- $4,0003.- Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.**
- Reduce your owing balance to $1,500 at the end of each month and you’ll pay no interest at all. If your owing balance is over $1,500 at the end of the month, a low interest rate of 12.95% p.a applies.
- Repay from $20/week
- No international transaction fee when shopping abroad, including overseas online shopping.
- A $9.95 monthly account fee applies, waived if there is no balance owing at the end of each month.
Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers4.- Repay from $10/week
- A one-off establishment fee for certain credit limits may apply
- A $9.95 monthly account fee applies, waived if nothing owing at the end of each month.
Zip Pay is perfect for everyday purchases. The Zip Visa Card lets you make instore and online purchases anywhere Visa is accepted. Whether it’s weekly groceries, buying new shoes online or filling up the petrol tank - Zip Pay works everywhere.
For instore purchases, you can add the Zip Pay Visa Card to your phone’s digital wallet. When you’re ready to pay at the checkout, just tap your phone anywhere Visa is accepted - even when you don’t see Zip at checkout.**
For online purchases, your Zip Pay Visa Card details are available in the Zip app. Simply paste the card details at any online checkout that accepts Visa.**
Zip Pay can be used anywhere Visa is accepted. The Zip Visa Card works online and instore, even when you don’t see Zip at checkout.
Your Zip Pay Visa Card can be set up instantly right after your account is approved so you don’t have to wait to start shopping.
Add the Visa card to your phone’s digital wallet for easy instore shopping or use the Zip app for Visa card details that can be used online.
Plus, you can check out online and shop instore at any of our Zip Retail Partners using your Zip app.
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.
With Zip Pay a $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Money a $9.95 monthly account fee applies which is waived if you have nothing owing.
For Zip Pay, one late payment fee of $5. A customer will be charged an additional late fee where they have caught up on all repayments and then miss another repayment at a later date.
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 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.
- 2 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
- * Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.
- ** Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card 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).