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Sign up for Zip Plus

For your everyday, plus more.

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Apply for up to $4,000 credit to spend everywhere Visa is accepted.

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  • A credit limit for your everyday, plus more

    Book that weekend away or transform your living space. Whatever tomorrow holds, nothing is holding you back.

  • No interest or low interest

    Interest free when your end of month balance is under $1,500. And a low rate of 12.95% p.a. when it's over $1,500.1

  • No international transaction fees

    Pay no international transaction fees when you shop instore while you travel or when buying from overseas websites.

Zip Pay logo

Up to $4,000 to spend everywhere Visa is accepted

Repayments from $20/week2

Nothing to pay today & no hidden fees

  • Interest free when your owing balance at the end of each month is under $1,500

  • 12.95% p.a. when your owing balance at the end of each month is over $1,500

  • $9.95 monthly account fee 
  • Repay from $20/week flexible repayments

  • $2,000-$4,000 credit limit

Upgrade from Pay to Plus

When you upgrade to Zip Plus, we'll close your Zip Pay account and transfer any owing balance to your new Zip Plus account.

Pay your way with Zip Plus

  • Online and instore

    For online choose Zip at checkout or create single-use virtual cards. For instore purchases, tap and Zip everywhere Visa is accepted.

  • Zip digital gift cards

    The perfect pressie, delivered in seconds. Choose from over 100 brands, add a personal message, send now or schedule for that special day. Gift Card T&Cs apply.

  • Pay BPAY® Billers

    Use Zip Plus with over 60,000 BPAY® Billers and spread the cost of your bills over time.3

Frequently Asked Questions

  • Zip Plus is perfect for everyday purchases. You can shop with Zip Plus everywhere Visa is accepted using Tap to Pay, or online using our Single-Use Card feature. You can check out online and shop instore at any of our Zip Retail Partners using your Zip app.

    Zip Plus can also be used to buy Gift Cards and pay your bills using our Zip Bill feature.

  • Credit limitsMinimum repayment
    $2,000$80/month
    $2,500$80/month
    $3,000$100/month
    $4,000$120/month
  • Fee/CostTerms
    Monthly Account Fee$9.95/month Waived if $0 owing at the end of each calendar month.
    InterestInterest free when your owing balance is under $1,500 at the end of each calendar month. 12.95 % p.a. if your owing balance is above $1,500 at the end of each calendar month.
    Late FeeIf the minimum monthly payment amount (or your remaining balance if less than the minimum) is not met, you will incur a $15 late fee. It will be charged 21 days after your contractual due date.
    International Transaction CostsNo charges apply.
  • Zip Plus has 2 repayment options:

    • Choose your repayments: Set your repayment amount, date and frequency to suit you. You can repay weekly, fortnightly or monthly.
    • Autopay balance: your repayment schedule will automatically repay your total owing balance at the end of each month so you won't be charged interest or the monthly account fee.

    All repayments are direct debited from the payment method you nominate when setting up your account. You can change your payment method and the frequency of your repayments at any time as long as you're covering your minimum monthly repayment amount. Choose what works best for you!

  • When you switch to Zip Plus, your Zip Pay account will be closed and any owing balance will be transferred to your new Zip Plus account. If you are entitled to a refund on your Zip Pay account after closure, it will be credited to Zip Plus. Interest will accrue daily on the transferred balance and will be charged to your account if you owe more than $1,500 at the end of the month.

    More info about upgrading from Zip Pay to Zip Plus can be found in our Help Centre here.

References

  • 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 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.
  • 2 Minimum monthly repayments are required and will vary depending on your credit limit.
  • 3 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