Get 3% back with
every Tap & Zip

Hurry! Offer ends 8 January.
*T&Cs apply.

We’ve got your back

Earn 3% rewards back* to your Zip account when you pay with Tap & Zip, just about everywhere for just about everything.

Tap & Zip makes every experience rewarding

Whether you’re shopping instore for groceries or out and about, catching a bus or grabbing a bite, you’ll earn at every turn.

It’s payback time

When you’ve earned $30, simply redeem the full amount back into your Zip account. Don’t forget, redeem by 8 January or lose your unclaimed rewards.

Three easy steps to get 3% back*

Download the latest Zip app
Add your Zip card to Apple Pay or Google Pay
Use Tap & Zip everywhere you see the contactless symbol and get 3% back

Frequently asked questions

What are the key terms of this offer?
The transaction:
(1) Must be made using your Tap & Zip card instore; (2) will earn a maximum reward amount of $30 per transaction.
What is a Zip card?
The Tap & Zip card means the virtual Visa credit card provisioned to your Apple Pay or Google Pay wallet that can be used for Eligible Transactions on your Zip Pay Account with a merchant who accepts this card as a method of payment for goods or services.

*Terms and Conditions

Use Tap & Zip instore to get 3% credit back on any eligible transaction, up to a maximum limit of AUD$30 per transaction, redeemable when you reach the Reward Goal (“Offer”). This Offer is only available between 12:00am (AEDT) on 16 November 2020 and 11:59pm (AEDT) on 8 January 2021 ("Offer Period"). Maximum reward limit is AUD$30 per a transaction. This Offer is subject to the following conditions:

1. The transaction must be made using your Tap & Zip card in-store;
2. In order to redeem the credit back you must reach the Reward Goal;
3. For each transaction less than AUD$1000, you will earn 3% credit back on that transaction. For each transaction equal to or greater than AUD$1000, you will earn AUD$30 credit back; and
4. At the end of the Offer Period, any credit back that has not reached the Reward Goal will be cancelled.

The Tap & Zip card means the virtual Visa credit card provisioned to your Apple Pay or Google Pay wallet that can be used for in-store transactions on your Zip Pay Account with a merchant who accepts this card as a method of payment for goods or services. The transaction and your participation in this promotion must be made in accordance with these terms and conditions, your Tap & Zip Terms and Conditions and your Zip Pay Account Terms and Conditions.

You may only redeem the credit back you accumulate using your Tap & Zip card when the credit back reaches AUD$30 (“Reward Goal”). If you have reached the Reward Goal, you may redeem the Reward Goal via the Zip App (or any other method we make available to you). The Reward Goal will be applied to your nominated Zip Account within 7 days. You can only redeem the credit back in whole Reward Goal increments. Within a twenty-four (24) hour period, you (a) are limited to redeeming your Reward Goal eight (8) times, and (b) will not earn any further credit back if you spend $4,000 or more.

Zip may run other Reward Goal promotions which can be used in combination with this promotion to earn your Reward Goal. However, % credit back promotions cannot be used in conjunction with other % credit back promotions. Zip will ensure that the most favourable % credit back promotion will be applied on any given day, but not in combination with one another.

The Reward Goal will appear as a transaction on your applicable Zip statement with the following description: Reward Redeemed. This Offer is subject to your Zip Pay Account 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 nominated Zip Account. Any credit back amount applied to your Zip Account will result in a reduction of the amount you owe to Zip. You will not be able to withdraw the credit from your Zip Account or revert to cash, it can only be used via your Zip Account.

No promo code is required to claim the Offer. Should any transaction be cancelled, refunded, or varied in any manner the applicable credit back will be adjusted in accordance with the cancellation, refund, or variation. If at any time Zip reasonably believes that you are engaging in this promotion through fraudulent, deceptive, or dishonest actions or means, or you violate these or your Zip Pay terms and conditions, we reserve the right to block the release of any Reward Goals, deduct any Reward Goals from your Zip Account, or cancel or block your participation in the promotion.

Zip does not make any warranties or representations on the delivery, service, quality, quantity, merchantability, suitability or availability of the products sold on any merchant’s website or instore.

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 here, including (but not limited to) cancelling or in any way modifying this Offer or Offer Period.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Google and Google Pay are trademarks of Google Inc.

VISA is a trademark owned by Visa International Service Association and used under license.

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