Spend everywhere Visa is accepted. Interest free under $1,000
Upgrade from Zip Pay to Zip Plus
An everyday Visa card with low to no interest and no international transaction fees.1
$2,000—$20,000 credit limit
Ready to spend instantly - right after your account is approved.
Spend everywhere with Visa
Add Zip Plus to your digital wallet.
Interest free when your owing balance is under $1,000 at end of month
13.70% p.a interest applies when you're above.
Minimum repayment from $25/month
Repayments start from $25 a month and are determined by your account's closing balance.
Monthly fee $9.95 if balance owing
No fee when nothing owing.
$0 establishment fee
Nothing to pay upfront.
Features
Interest free under $1,000 at end of month
No international transaction fees
Pay instore and online everywhere Visa is accepted2
Pay securely online with a single-use card3
Earn cashback or Qantas Points with Zip Rewards4
5 minute digital credit application
Upon upgrade, any owing balance on your Zip Pay account will be transferred to Zip Plus and will be subject to interest accrual if applicable.
References
- 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.
- 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 $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. Minimum monthly repayments are required and will vary depending on your closing balance at the end of each statement period. 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 Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
- 3 Zip Single-use card T&Cs apply
- 4 Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.
References
- 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.
- 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 $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. Minimum monthly repayments are required and will vary depending on your closing balance at the end of each statement period. 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 Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
- 3 Zip Single-use card T&Cs apply
- 4 Rewards are redeemable when you reach the Rewards Goal. See Promotion and Reward Program T&Cs for more details. Zip may earn a commission.